{"ira":0,"a401":0,"hval":69000,"hmort":60150,"hequity":8850,"nifa":100,"net_nifa":-3300,"tfa":100,"net_tfa":-3300,"tfa_he":5550,"tw":53550,"age":31,"inc":28146,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":20000,"hequity":58000,"nifa":61010,"net_nifa":61010,"tfa":61010,"net_tfa":61010,"tfa_he":119010,"tw":124635,"age":52,"inc":32634,"fsize":5,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":61010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1800,"a401":0,"hval":200000,"hmort":15900,"hequity":184100,"nifa":7549,"net_nifa":7049,"tfa":9349,"net_tfa":8849,"tfa_he":192949,"tw":192949,"age":50,"inc":52206,"fsize":3,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":8849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2487,"net_nifa":-6013,"tfa":2487,"net_tfa":-6013,"tfa_he":-6013,"tw":-513,"age":28,"inc":45252,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-6013,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":90000,"hequity":210000,"nifa":10625,"net_nifa":-2375,"tfa":10625,"net_tfa":-2375,"tfa_he":207625,"tw":212087,"age":42,"inc":33126,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-2375,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":99600,"hequity":20400,"nifa":9000,"net_nifa":-11000,"tfa":9000,"net_tfa":-11000,"tfa_he":9400,"tw":24400,"age":49,"inc":76860,"fsize":6,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":63000,"hequity":26000,"nifa":1099,"net_nifa":-16901,"tfa":1099,"net_tfa":-16901,"tfa_he":9099,"tw":33299,"age":40,"inc":57477,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-16901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":1000,"tfa":1700,"net_tfa":1000,"tfa_he":1000,"tw":2500,"age":58,"inc":14637,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":6573,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5700,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":700,"tfa":6500,"net_tfa":6400,"tfa_he":6400,"tw":7150,"age":50,"inc":5766,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.11738,"net_n401":6400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":83000,"hmort":68000,"hequity":15000,"nifa":16900,"net_nifa":16900,"tfa":24900,"net_tfa":24900,"tfa_he":39900,"tw":52625,"age":45,"inc":43239,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":24900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-675,"tfa":100,"net_tfa":-675,"tfa_he":-675,"tw":-675,"age":25,"inc":40323,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-675,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":8100,"age":30,"inc":30000,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":217,"net_nifa":-83,"tfa":217,"net_tfa":-83,"tfa_he":-83,"tw":2250,"age":27,"inc":9612,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-83,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":34000,"a401":0,"hval":12000,"hmort":235,"hequity":11765,"nifa":1400,"net_nifa":1400,"tfa":35400,"net_tfa":35400,"tfa_he":47165,"tw":59519,"age":42,"inc":85086,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":35400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-100,"tfa":1400,"net_tfa":-100,"tfa_he":-100,"tw":18900,"age":35,"inc":32208,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60000,"net_nifa":60000,"tfa":62300,"net_tfa":62300,"tfa_he":62300,"tw":64800,"age":35,"inc":63525,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":62300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":612,"net_nifa":-3888,"tfa":612,"net_tfa":-3888,"tfa_he":-3888,"tw":15112,"age":41,"inc":31896,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-3888,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":1445,"age":53,"inc":9744,"fsize":1,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":20,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":3098,"net_nifa":3098,"tfa":3098,"net_tfa":3098,"tfa_he":123098,"tw":123098,"age":62,"inc":74589,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":298,"net_nifa":205,"tfa":298,"net_tfa":205,"tfa_he":205,"tw":43258,"age":45,"inc":38148,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":205,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3613,"net_nifa":2863,"tfa":3613,"net_tfa":2863,"tfa_he":2863,"tw":2863,"age":56,"inc":16290,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2863,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":11340,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":629,"net_nifa":-2171,"tfa":629,"net_tfa":-2171,"tfa_he":-2171,"tw":789,"age":31,"inc":26175,"fsize":5,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2171,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50250,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":310163,"net_nifa":310163,"tfa":360413,"net_tfa":360413,"tfa_he":660413,"tw":660413,"age":63,"inc":71535,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":360413,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":35499,"tw":35999,"age":56,"inc":21678,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":12000,"hmort":17000,"hequity":-5000,"nifa":500,"net_nifa":-1300,"tfa":500,"net_tfa":-1300,"tfa_he":-6300,"tw":3700,"age":52,"inc":27360,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":35000,"hequity":65000,"nifa":1000,"net_nifa":-1700,"tfa":1000,"net_tfa":-1700,"tfa_he":63300,"tw":72300,"age":58,"inc":29724,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":250000,"hmort":52000,"hequity":198000,"nifa":53698,"net_nifa":53698,"tfa":53698,"net_tfa":53698,"tfa_he":251698,"tw":346394,"age":42,"inc":42084,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":53698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":140000,"hmort":42000,"hequity":98000,"nifa":12000,"net_nifa":12000,"tfa":26000,"net_tfa":26000,"tfa_he":124000,"tw":124000,"age":35,"inc":71340,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":1000,"tfa":1300,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":61,"inc":35100,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":670,"net_nifa":-2580,"tfa":670,"net_tfa":-2580,"tfa_he":7420,"tw":7420,"age":62,"inc":15051,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2580,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":670,"net_nifa":-2430,"tfa":670,"net_tfa":-2430,"tfa_he":77570,"tw":77570,"age":48,"inc":14328,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2430,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2115,"a401":0,"hval":83000,"hmort":83000,"hequity":0,"nifa":14100,"net_nifa":6100,"tfa":16215,"net_tfa":8215,"tfa_he":8215,"tw":116515,"age":28,"inc":68214,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":8215,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":110000,"hmort":57000,"hequity":53000,"nifa":17100,"net_nifa":16700,"tfa":19100,"net_tfa":18700,"tfa_he":71700,"tw":78550,"age":51,"inc":30030,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":18700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":-2600,"tfa":0,"net_tfa":-2600,"tfa_he":72400,"tw":74400,"age":45,"inc":9315,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-2600,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2647,"net_nifa":-1393,"tfa":2647,"net_tfa":-1393,"tfa_he":-1393,"tw":-1393,"age":28,"inc":45351,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-1393,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-800,"tfa":100,"net_tfa":-800,"tfa_he":-800,"tw":1250,"age":39,"inc":22095,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":150000,"hmort":95000,"hequity":55000,"nifa":2399,"net_nifa":399,"tfa":10399,"net_tfa":8399,"tfa_he":63399,"tw":63399,"age":42,"inc":47934,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":8399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":73000,"hequity":227000,"nifa":40,"net_nifa":-11760,"tfa":40,"net_tfa":-11760,"tfa_he":215240,"tw":275240,"age":43,"inc":27168,"fsize":6,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-11760,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":97919,"hequity":37081,"nifa":4030,"net_nifa":-470,"tfa":4030,"net_tfa":-470,"tfa_he":36611,"tw":38236,"age":31,"inc":38151,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":31000,"hequity":19000,"nifa":8311,"net_nifa":3880,"tfa":8311,"net_tfa":3880,"tfa_he":22880,"tw":25380,"age":28,"inc":41610,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":3880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":799,"net_nifa":-4220,"tfa":799,"net_tfa":-4220,"tfa_he":-4220,"tw":2125,"age":39,"inc":31848,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-4220,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":60,"inc":37794,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14000,"a401":0,"hval":56000,"hmort":0,"hequity":56000,"nifa":7747,"net_nifa":5947,"tfa":21747,"net_tfa":19947,"tfa_he":75947,"tw":125947,"age":58,"inc":38949,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":19947,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5249,"net_nifa":5249,"tfa":5249,"net_tfa":5249,"tfa_he":5249,"tw":5249,"age":30,"inc":31098,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":5249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3199,"net_nifa":-8501,"tfa":3199,"net_tfa":-8501,"tfa_he":-8501,"tw":-1501,"age":32,"inc":53700,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-8501,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":62000,"hequity":18000,"nifa":1069,"net_nifa":-2431,"tfa":1069,"net_tfa":-2431,"tfa_he":15569,"tw":64219,"age":31,"inc":37317,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-2431,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1150,"net_nifa":-1550,"tfa":1150,"net_tfa":-1550,"tfa_he":-1550,"tw":3253,"age":31,"inc":23748,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-1550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":250,"a401":0,"hval":60000,"hmort":50000,"hequity":10000,"nifa":1500,"net_nifa":-1000,"tfa":1750,"net_tfa":-750,"tfa_he":9250,"tw":19250,"age":31,"inc":31470,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":-750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112000,"hmort":86000,"hequity":26000,"nifa":35300,"net_nifa":34450,"tfa":35300,"net_tfa":34450,"tfa_he":60450,"tw":67450,"age":31,"inc":42750,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":34450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1399,"net_nifa":699,"tfa":1399,"net_tfa":699,"tfa_he":699,"tw":3199,"age":40,"inc":32976,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":699,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":74000,"hequity":21000,"nifa":500,"net_nifa":-8700,"tfa":500,"net_tfa":-8700,"tfa_he":12300,"tw":17300,"age":31,"inc":40473,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-8700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":45,"inc":4590,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":47500,"hmort":32500,"hequity":15000,"nifa":0,"net_nifa":-1855,"tfa":0,"net_tfa":-1855,"tfa_he":13145,"tw":16645,"age":34,"inc":16122,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-1855,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":63,"inc":34764,"fsize":2,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":25200,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":195000,"hmort":130000,"hequity":65000,"nifa":57000,"net_nifa":57000,"tfa":57000,"net_tfa":57000,"tfa_he":122000,"tw":130000,"age":29,"inc":58878,"fsize":3,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":57000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":28000,"hequity":7000,"nifa":100,"net_nifa":-5900,"tfa":100,"net_tfa":-5900,"tfa_he":1100,"tw":3100,"age":53,"inc":14496,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-5900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4800,"age":46,"inc":17280,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":280000,"hmort":120000,"hequity":160000,"nifa":21199,"net_nifa":21199,"tfa":21199,"net_tfa":21199,"tfa_he":181199,"tw":181199,"age":39,"inc":50283,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":21199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":999,"net_nifa":999,"tfa":7999,"net_tfa":7999,"tfa_he":307999,"tw":320829,"age":37,"inc":51060,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.48688,"net_n401":7999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":150000,"hequity":35000,"nifa":200,"net_nifa":-24800,"tfa":200,"net_tfa":-24800,"tfa_he":10200,"tw":10200,"age":56,"inc":31548,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-24800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":34900,"hequity":5100,"nifa":34568,"net_nifa":32568,"tfa":34568,"net_tfa":32568,"tfa_he":37668,"tw":56618,"age":49,"inc":12675,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":32568,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":199,"tfa":199,"net_tfa":199,"tfa_he":199,"tw":40199,"age":41,"inc":25542,"fsize":4,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":199,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5800,"a401":0,"hval":105000,"hmort":60000,"hequity":45000,"nifa":30300,"net_nifa":30083,"tfa":36100,"net_tfa":35883,"tfa_he":80883,"tw":80883,"age":39,"inc":56913,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":35883,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":699,"net_nifa":-8301,"tfa":699,"net_tfa":-8301,"tfa_he":-8301,"tw":-4651,"age":39,"inc":28836,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-8301,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":25000,"hequity":25000,"nifa":37100,"net_nifa":36950,"tfa":37100,"net_tfa":36950,"tfa_he":61950,"tw":73000,"age":37,"inc":14400,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":36950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2458,"net_nifa":2258,"tfa":2458,"net_tfa":2258,"tfa_he":2258,"tw":6158,"age":32,"inc":13866,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2258,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2200,"hmort":0,"hequity":2200,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":2250,"tw":2750,"age":26,"inc":16215,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":125000,"hmort":38000,"hequity":87000,"nifa":75000,"net_nifa":75000,"tfa":100000,"net_tfa":100000,"tfa_he":187000,"tw":187000,"age":64,"inc":43002,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1700,"tfa":100,"net_tfa":-1700,"tfa_he":-1700,"tw":4300,"age":35,"inc":42393,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-1700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":72000,"hequity":3000,"nifa":4100,"net_nifa":-8900,"tfa":4100,"net_tfa":-8900,"tfa_he":-5900,"tw":-1900,"age":37,"inc":50280,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-8900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":135,"net_nifa":-365,"tfa":1135,"net_tfa":635,"tfa_he":635,"tw":3985,"age":25,"inc":21630,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":635,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":55000,"hequity":0,"nifa":704,"net_nifa":-1796,"tfa":704,"net_tfa":-1796,"tfa_he":-1796,"tw":20204,"age":44,"inc":51552,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-1796,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":8286,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5199,"net_nifa":4199,"tfa":5199,"net_tfa":4199,"tfa_he":4199,"tw":16749,"age":44,"inc":15870,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":4199,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36000,"hequity":9000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":9000,"tw":9000,"age":32,"inc":22440,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":360,"net_nifa":-165,"tfa":360,"net_tfa":-165,"tfa_he":-165,"tw":335,"age":37,"inc":20421,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-165,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":11500,"hequity":53500,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":53100,"tw":53600,"age":48,"inc":27156,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25800,"a401":0,"hval":135000,"hmort":30000,"hequity":105000,"nifa":42505,"net_nifa":40005,"tfa":68305,"net_tfa":65805,"tfa_he":170805,"tw":170805,"age":38,"inc":52035,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":65805,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":23223,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":502,"net_nifa":-27498,"tfa":6502,"net_tfa":-21498,"tfa_he":-21498,"tw":-7498,"age":45,"inc":34002,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":-21498,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":50000,"hequity":150000,"nifa":9999,"net_nifa":4999,"tfa":9999,"net_tfa":4999,"tfa_he":154999,"tw":154999,"age":41,"inc":60600,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":58000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":31897,"net_nifa":29897,"tfa":89897,"net_tfa":87897,"tfa_he":162897,"tw":365897,"age":59,"inc":79545,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":87897,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":18156,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-450,"tfa":750,"net_tfa":-450,"tfa_he":-450,"tw":-450,"age":53,"inc":21600,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15522,"a401":0,"hval":210000,"hmort":96000,"hequity":114000,"nifa":48500,"net_nifa":47500,"tfa":64022,"net_tfa":63022,"tfa_he":177022,"tw":215822,"age":37,"inc":41994,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":63022,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":59000,"hequity":4000,"nifa":7500,"net_nifa":7300,"tfa":7500,"net_tfa":7300,"tfa_he":11300,"tw":13100,"age":31,"inc":50346,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3800,"tfa":100,"net_tfa":-3800,"tfa_he":-3800,"tw":9033,"age":51,"inc":19815,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-3800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1480,"tfa":100,"net_tfa":-1480,"tfa_he":-1480,"tw":3361,"age":33,"inc":12501,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-1480,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":199,"tfa":499,"net_tfa":199,"tfa_he":199,"tw":1474,"age":35,"inc":33012,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":199,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":50400,"hequity":29600,"nifa":626,"net_nifa":626,"tfa":626,"net_tfa":626,"tfa_he":30226,"tw":34294,"age":28,"inc":38400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":626,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":24500,"hequity":5500,"nifa":600,"net_nifa":450,"tfa":600,"net_tfa":450,"tfa_he":5950,"tw":6950,"age":36,"inc":26472,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3300,"net_nifa":-46700,"tfa":3300,"net_tfa":-46700,"tfa_he":-46700,"tw":-46700,"age":32,"inc":44460,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-46700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":750,"tfa":750,"net_tfa":750,"tfa_he":750,"tw":3950,"age":25,"inc":27657,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":469,"net_nifa":-43434,"tfa":469,"net_tfa":-43434,"tfa_he":-43434,"tw":-34434,"age":60,"inc":40917,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-43434,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20400,"net_nifa":8400,"tfa":20400,"net_tfa":8400,"tfa_he":8400,"tw":11400,"age":35,"inc":47040,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":8400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10299,"net_nifa":10299,"tfa":10299,"net_tfa":10299,"tfa_he":10299,"tw":11924,"age":44,"inc":22956,"fsize":2,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":10299,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12500,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":5100,"net_nifa":5100,"tfa":17600,"net_tfa":17600,"tfa_he":167600,"tw":167600,"age":60,"inc":23109,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":17600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":11100,"net_nifa":11100,"tfa":11100,"net_tfa":11100,"tfa_he":11100,"tw":14800,"age":34,"inc":28380,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":11100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1204,"net_nifa":-296,"tfa":1204,"net_tfa":-296,"tfa_he":-296,"tw":6904,"age":27,"inc":32154,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-296,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4318,"a401":0,"hval":100000,"hmort":19000,"hequity":81000,"nifa":20886,"net_nifa":20886,"tfa":25204,"net_tfa":25204,"tfa_he":106204,"tw":106204,"age":62,"inc":33096,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":25204,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":50,"age":34,"inc":17883,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3100,"net_nifa":1200,"tfa":3100,"net_tfa":1200,"tfa_he":1200,"tw":3700,"age":30,"inc":22362,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":900,"tfa":1900,"net_tfa":900,"tfa_he":900,"tw":16400,"age":36,"inc":42114,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":275000,"hmort":0,"hequity":275000,"nifa":34000,"net_nifa":24000,"tfa":84000,"net_tfa":74000,"tfa_he":349000,"tw":718000,"age":52,"inc":97299,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":74000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30600,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1049,"net_nifa":1049,"tfa":31649,"net_tfa":31649,"tfa_he":81649,"tw":83149,"age":40,"inc":36060,"fsize":1,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":31649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":-700,"tfa":10900,"net_tfa":8300,"tfa_he":8300,"tw":8500,"age":40,"inc":40194,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71252,"net_n401":8300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":180000,"hmort":70000,"hequity":110000,"nifa":4120,"net_nifa":-6380,"tfa":15120,"net_tfa":4620,"tfa_he":114620,"tw":114620,"age":53,"inc":88422,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":4620,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":46,"inc":7938,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":3000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":152,"net_nifa":-248,"tfa":152,"net_tfa":-248,"tfa_he":-248,"tw":752,"age":41,"inc":14580,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-248,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3600,"net_nifa":3100,"tfa":5600,"net_tfa":5100,"tfa_he":5100,"tw":5100,"age":30,"inc":29616,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":5100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":100000,"hequity":70000,"nifa":8000,"net_nifa":5500,"tfa":8000,"net_tfa":5500,"tfa_he":75500,"tw":75500,"age":33,"inc":38850,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":79500,"hequity":10500,"nifa":500,"net_nifa":100,"tfa":500,"net_tfa":100,"tfa_he":10600,"tw":10600,"age":41,"inc":45624,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":5277,"fsize":3,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":387,"net_nifa":-113,"tfa":387,"net_tfa":-113,"tfa_he":124887,"tw":131868,"age":36,"inc":21369,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-113,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3150,"net_nifa":2650,"tfa":3150,"net_tfa":2650,"tfa_he":2650,"tw":2650,"age":58,"inc":15420,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":2650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":25,"inc":8925,"fsize":3,"educ":1,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-100,"tfa":700,"net_tfa":-100,"tfa_he":-100,"tw":3250,"age":31,"inc":20475,"fsize":1,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":39000,"hequity":31000,"nifa":2199,"net_nifa":1024,"tfa":2199,"net_tfa":1024,"tfa_he":32024,"tw":32024,"age":26,"inc":42738,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1024,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":18753,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1200,"age":28,"inc":14280,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16500,"hmort":0,"hequity":16500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":16500,"tw":18275,"age":39,"inc":4872,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-315,"tfa":0,"net_tfa":-315,"tfa_he":-315,"tw":3685,"age":31,"inc":11364,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-315,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-2450,"tfa":350,"net_tfa":-2450,"tfa_he":-2450,"tw":7550,"age":27,"inc":48900,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-2450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":11400,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":73000,"hequity":7000,"nifa":200,"net_nifa":-11800,"tfa":200,"net_tfa":-11800,"tfa_he":-4800,"tw":11200,"age":46,"inc":33375,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-11800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":38000,"hequity":17000,"nifa":12003,"net_nifa":11422,"tfa":12003,"net_tfa":11422,"tfa_he":28422,"tw":32039,"age":57,"inc":11820,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":11422,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-2140,"tfa":20,"net_tfa":-2140,"tfa_he":-2140,"tw":-2140,"age":29,"inc":22440,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2140,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":7440,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":300,"tfa":1300,"net_tfa":300,"tfa_he":300,"tw":6475,"age":29,"inc":19215,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":27000,"hequity":188000,"nifa":6500,"net_nifa":5000,"tfa":6500,"net_tfa":5000,"tfa_he":193000,"tw":193000,"age":41,"inc":54852,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":18000,"hequity":40000,"nifa":1924,"net_nifa":-8676,"tfa":1924,"net_tfa":-8676,"tfa_he":31324,"tw":53824,"age":40,"inc":37062,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-8676,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":6000,"tw":10200,"age":25,"inc":15660,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":6000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":130000,"hequity":70000,"nifa":2500,"net_nifa":2000,"tfa":2500,"net_tfa":2000,"tfa_he":72000,"tw":72000,"age":48,"inc":73650,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":150000,"hequity":90000,"nifa":17999,"net_nifa":11999,"tfa":17999,"net_tfa":11999,"tfa_he":101999,"tw":121999,"age":30,"inc":48111,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":11999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":32000,"hequity":58000,"nifa":250,"net_nifa":-1550,"tfa":250,"net_tfa":-1550,"tfa_he":56450,"tw":56450,"age":41,"inc":22617,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-9050,"tfa":2000,"net_tfa":-9050,"tfa_he":-9050,"tw":-8550,"age":26,"inc":11100,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-9050,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12500,"a401":0,"hval":145000,"hmort":52000,"hequity":93000,"nifa":30100,"net_nifa":30100,"tfa":42600,"net_tfa":42600,"tfa_he":135600,"tw":135600,"age":42,"inc":79650,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":42600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":29800,"tw":29800,"age":42,"inc":6297,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":58000,"hequity":5000,"nifa":1050,"net_nifa":950,"tfa":1050,"net_tfa":950,"tfa_he":5950,"tw":38950,"age":54,"inc":20172,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1520,"net_nifa":-980,"tfa":1520,"net_tfa":-980,"tfa_he":-980,"tw":-980,"age":56,"inc":29529,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-980,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":2400,"tfa":2400,"net_tfa":2400,"tfa_he":2400,"tw":2400,"age":61,"inc":4146,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":2400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-4700,"tfa":2200,"net_tfa":-4700,"tfa_he":-4700,"tw":-2266,"age":33,"inc":21972,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4200,"age":42,"inc":13440,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":33000,"hequity":32000,"nifa":0,"net_nifa":-2800,"tfa":0,"net_tfa":-2800,"tfa_he":29200,"tw":29200,"age":62,"inc":16029,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":104000,"hequity":16000,"nifa":8167,"net_nifa":-4475,"tfa":8167,"net_tfa":-4475,"tfa_he":11525,"tw":11525,"age":29,"inc":43173,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-4475,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1875,"age":28,"inc":11376,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":33,"inc":30600,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":46000,"hequity":4000,"nifa":7759,"net_nifa":7559,"tfa":7759,"net_tfa":7559,"tfa_he":11559,"tw":11559,"age":35,"inc":27603,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":7559,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":15000,"hequity":25000,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":24200,"tw":25950,"age":42,"inc":9120,"fsize":5,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-800,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-1100,"tfa":900,"net_tfa":-1100,"tfa_he":-1100,"tw":6400,"age":61,"inc":17460,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":250000,"hmort":55700,"hequity":194300,"nifa":410,"net_nifa":-6590,"tfa":410,"net_tfa":-6590,"tfa_he":187710,"tw":187710,"age":44,"inc":9474,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-6590,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-3475,"tfa":125,"net_tfa":-3475,"tfa_he":-3475,"tw":-1450,"age":37,"inc":33366,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-3475,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":2825,"tfa":3500,"net_tfa":2825,"tfa_he":2825,"tw":7650,"age":30,"inc":4860,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":2825,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":86000,"hequity":24000,"nifa":11500,"net_nifa":11500,"tfa":11500,"net_tfa":11500,"tfa_he":35500,"tw":35500,"age":43,"inc":55281,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36000,"hequity":9000,"nifa":1499,"net_nifa":-1501,"tfa":1499,"net_tfa":-1501,"tfa_he":7499,"tw":7499,"age":35,"inc":43134,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-1501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":30000,"hequity":15000,"nifa":199,"net_nifa":-7131,"tfa":199,"net_tfa":-7131,"tfa_he":7869,"tw":9744,"age":38,"inc":23850,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-7131,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":49800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1899,"net_nifa":1499,"tfa":51699,"net_tfa":51299,"tfa_he":51299,"tw":57299,"age":46,"inc":52440,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":51299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":100550,"net_nifa":99350,"tfa":100550,"net_tfa":99350,"tfa_he":169350,"tw":169350,"age":62,"inc":26880,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":99350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":28000,"hequity":2000,"nifa":0,"net_nifa":-950,"tfa":0,"net_tfa":-950,"tfa_he":1050,"tw":3550,"age":37,"inc":30405,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22071,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":11498,"net_nifa":11498,"tfa":33569,"net_tfa":33569,"tfa_he":133569,"tw":363569,"age":44,"inc":32205,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":33569,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":34010,"hmort":20000,"hequity":14010,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":14410,"tw":15410,"age":30,"inc":21036,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-1700,"tfa":2000,"net_tfa":0,"tfa_he":0,"tw":3200,"age":27,"inc":12930,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":112000,"hequity":38000,"nifa":4999,"net_nifa":4799,"tfa":4999,"net_tfa":4799,"tfa_he":42799,"tw":45099,"age":38,"inc":43020,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":38,"inc":8160,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":5,"age":33,"inc":19200,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":5,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":402,"net_nifa":-3386,"tfa":402,"net_tfa":-3386,"tfa_he":-3386,"tw":-3386,"age":29,"inc":16902,"fsize":7,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-3386,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":130000,"hequity":80000,"nifa":14880,"net_nifa":13176,"tfa":14880,"net_tfa":13176,"tfa_he":93176,"tw":103137,"age":33,"inc":52476,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":13176,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":65000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":20000,"age":25,"inc":27120,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":15600,"hequity":14400,"nifa":50,"net_nifa":-150,"tfa":50,"net_tfa":-150,"tfa_he":14250,"tw":16650,"age":36,"inc":12636,"fsize":7,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":-150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3500,"age":58,"inc":13440,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":130000,"hmort":32500,"hequity":97500,"nifa":43999,"net_nifa":30814,"tfa":43999,"net_tfa":30814,"tfa_he":128314,"tw":128314,"age":35,"inc":57828,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":30814,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":12000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":8000,"age":27,"inc":12954,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":58250,"tw":61600,"age":57,"inc":39312,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":2400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":-600,"tfa":5000,"net_tfa":-600,"tfa_he":-600,"tw":6453,"age":27,"inc":64980,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.59061,"net_n401":-600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":10000,"hequity":46000,"nifa":1950,"net_nifa":-50,"tfa":1950,"net_tfa":-50,"tfa_he":45950,"tw":48450,"age":60,"inc":17544,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":46,"inc":14040,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":10020,"tw":10020,"age":30,"inc":19980,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":20,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":-2100,"tfa":2400,"net_tfa":-2100,"tfa_he":-2100,"tw":2966,"age":25,"inc":24120,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":13000,"age":28,"inc":24051,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":8000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":165000,"hmort":125000,"hequity":40000,"nifa":3000,"net_nifa":2700,"tfa":12000,"net_tfa":11700,"tfa_he":51700,"tw":51700,"age":40,"inc":52350,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":11700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":35,"inc":21012,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":86000,"tw":86000,"age":40,"inc":56994,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":30,"inc":26394,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":11220,"fsize":3,"educ":3,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":-1310,"tfa":90,"net_tfa":-1310,"tfa_he":-1310,"tw":21190,"age":46,"inc":29232,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1310,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":150000,"hequity":25000,"nifa":0,"net_nifa":-250,"tfa":0,"net_tfa":-250,"tfa_he":24750,"tw":184750,"age":56,"inc":29700,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4700,"a401":0,"hval":135000,"hmort":9500,"hequity":125500,"nifa":10246,"net_nifa":7246,"tfa":14946,"net_tfa":11946,"tfa_he":137446,"tw":137446,"age":45,"inc":68457,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":11946,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4300,"tfa":0,"net_tfa":-4300,"tfa_he":-4300,"tw":3700,"age":36,"inc":10944,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-4300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":35000,"hequity":12000,"nifa":31799,"net_nifa":31699,"tfa":31799,"net_tfa":31699,"tfa_he":43699,"tw":43699,"age":28,"inc":39336,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":31699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":257000,"hmort":132000,"hequity":125000,"nifa":4000,"net_nifa":4000,"tfa":11000,"net_tfa":11000,"tfa_he":136000,"tw":337000,"age":61,"inc":28050,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":25400,"tw":27000,"age":60,"inc":23244,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":77400,"hmort":75000,"hequity":2400,"nifa":17445,"net_nifa":15645,"tfa":17445,"net_tfa":15645,"tfa_he":18045,"tw":20545,"age":29,"inc":31548,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":15645,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":34,"net_nifa":-9716,"tfa":34,"net_tfa":-9716,"tfa_he":-9716,"tw":-9716,"age":33,"inc":24840,"fsize":7,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-9716,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":-7800,"tfa":16078,"net_tfa":3078,"tfa_he":3078,"tw":12078,"age":47,"inc":66021,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-7800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":37000,"hequity":98000,"nifa":18796,"net_nifa":17496,"tfa":18796,"net_tfa":17496,"tfa_he":115496,"tw":115496,"age":58,"inc":51981,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":17496,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":28000,"hequity":2000,"nifa":1649,"net_nifa":149,"tfa":1649,"net_tfa":149,"tfa_he":2149,"tw":2149,"age":32,"inc":19659,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":149,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":195141,"net_nifa":195121,"tfa":215141,"net_tfa":215121,"tfa_he":295121,"tw":459121,"age":61,"inc":45444,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":215121,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":800,"age":64,"inc":9642,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":15000,"hequity":15000,"nifa":5150,"net_nifa":3550,"tfa":5150,"net_tfa":3550,"tfa_he":18550,"tw":21425,"age":57,"inc":34410,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":3550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":54000,"hequity":1000,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-900,"tw":5100,"age":29,"inc":26784,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10800,"a401":0,"hval":63000,"hmort":45000,"hequity":18000,"nifa":1300,"net_nifa":861,"tfa":12100,"net_tfa":11661,"tfa_he":29661,"tw":39661,"age":40,"inc":24261,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":11661,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-21450,"tfa":50,"net_tfa":-21450,"tfa_he":-21450,"tw":-12407,"age":41,"inc":26901,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-21450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4400,"a401":0,"hval":200000,"hmort":50000,"hequity":150000,"nifa":4350,"net_nifa":4350,"tfa":8750,"net_tfa":8750,"tfa_he":158750,"tw":167493,"age":43,"inc":32106,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":8750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7210,"a401":0,"hval":125000,"hmort":99900,"hequity":25100,"nifa":23992,"net_nifa":23692,"tfa":31202,"net_tfa":30902,"tfa_he":56002,"tw":122064,"age":44,"inc":46815,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":30902,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":79000,"hequity":6000,"nifa":4250,"net_nifa":2750,"tfa":4250,"net_tfa":2750,"tfa_he":8750,"tw":8750,"age":32,"inc":43560,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8299,"net_nifa":7299,"tfa":8299,"net_tfa":7299,"tfa_he":7299,"tw":11049,"age":42,"inc":47265,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":7299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":70015,"hequity":4985,"nifa":5800,"net_nifa":5600,"tfa":5800,"net_tfa":5600,"tfa_he":10585,"tw":18585,"age":26,"inc":58260,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16350,"net_nifa":9950,"tfa":16350,"net_tfa":9950,"tfa_he":9950,"tw":10700,"age":33,"inc":22560,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":9950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1700,"a401":0,"hval":40000,"hmort":60000,"hequity":-20000,"nifa":700,"net_nifa":550,"tfa":2400,"net_tfa":2250,"tfa_he":-17750,"tw":-15750,"age":26,"inc":40608,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":2250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":95000,"hmort":30000,"hequity":65000,"nifa":22600,"net_nifa":22600,"tfa":26600,"net_tfa":26600,"tfa_he":91600,"tw":91600,"age":38,"inc":80550,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":26600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40,"net_nifa":-4960,"tfa":40,"net_tfa":-4960,"tfa_he":-4960,"tw":1056,"age":27,"inc":17004,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-4960,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":4000,"tfa":10000,"net_tfa":4000,"tfa_he":4000,"tw":8200,"age":25,"inc":34170,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":2000,"net_nifa":600,"tfa":2000,"net_tfa":600,"tfa_he":50600,"tw":50600,"age":56,"inc":24819,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":27700,"tw":28200,"age":55,"inc":10800,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":0,"tfa":2000,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":26514,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":17500,"hequity":25500,"nifa":1000,"net_nifa":900,"tfa":1000,"net_tfa":900,"tfa_he":26400,"tw":26400,"age":44,"inc":15198,"fsize":3,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9645,"net_nifa":9645,"tfa":9645,"net_tfa":9645,"tfa_he":9645,"tw":15070,"age":33,"inc":22050,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":9645,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-400,"tfa":400,"net_tfa":-400,"tfa_he":-400,"tw":-400,"age":63,"inc":11877,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":40,"inc":18030,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":18500,"hequity":26500,"nifa":30,"net_nifa":30,"tfa":30,"net_tfa":30,"tfa_he":26530,"tw":26530,"age":56,"inc":7920,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":30,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":25500,"hequity":14500,"nifa":200,"net_nifa":-500,"tfa":200,"net_tfa":-500,"tfa_he":14000,"tw":14000,"age":50,"inc":19302,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":0,"hval":200000,"hmort":34000,"hequity":166000,"nifa":3200,"net_nifa":-6100,"tfa":10200,"net_tfa":900,"tfa_he":166900,"tw":176900,"age":52,"inc":35409,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5510,"net_nifa":5010,"tfa":5510,"net_tfa":5010,"tfa_he":5010,"tw":5010,"age":50,"inc":32940,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":5010,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":0,"hval":125000,"hmort":32000,"hequity":93000,"nifa":1500,"net_nifa":500,"tfa":4500,"net_tfa":3500,"tfa_he":96500,"tw":103075,"age":40,"inc":21315,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":47500,"net_nifa":46800,"tfa":49500,"net_tfa":48800,"tfa_he":48800,"tw":48800,"age":26,"inc":86820,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":48800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3000,"tw":-2500,"age":26,"inc":3450,"fsize":1,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-3000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":56000,"hequity":14000,"nifa":20949,"net_nifa":20949,"tfa":20949,"net_tfa":20949,"tfa_he":34949,"tw":42449,"age":26,"inc":27975,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":20949,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":11000,"hequity":16000,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":14000,"tw":14000,"age":40,"inc":3696,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-2000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10800,"net_nifa":9800,"tfa":10800,"net_tfa":9800,"tfa_he":9800,"tw":9800,"age":28,"inc":56082,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":9800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":34000,"hequity":6000,"nifa":2200,"net_nifa":2030,"tfa":2200,"net_tfa":2030,"tfa_he":8030,"tw":8530,"age":47,"inc":18069,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":2030,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":22950,"fsize":7,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":30000,"hequity":90000,"nifa":20461,"net_nifa":20283,"tfa":20461,"net_tfa":20283,"tfa_he":110283,"tw":121695,"age":63,"inc":27540,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":20283,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1400,"tfa":100,"net_tfa":-1400,"tfa_he":-1400,"tw":-900,"age":31,"inc":17604,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5800,"net_nifa":-1700,"tfa":5800,"net_tfa":-1700,"tfa_he":-1700,"tw":4096,"age":29,"inc":39051,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-1700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3108,"net_nifa":2758,"tfa":3108,"net_tfa":2758,"tfa_he":2758,"tw":2758,"age":34,"inc":96174,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":2758,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":2499,"net_nifa":2499,"tfa":2499,"net_tfa":2499,"tfa_he":52499,"tw":53499,"age":28,"inc":47070,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":36000,"hequity":29000,"nifa":41,"net_nifa":41,"tfa":41,"net_tfa":41,"tfa_he":29041,"tw":29041,"age":48,"inc":37848,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":41,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-13144,"tfa":0,"net_tfa":-13144,"tfa_he":-13144,"tw":-10644,"age":44,"inc":21000,"fsize":7,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-13144,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":15000,"hequity":35000,"nifa":0,"net_nifa":-650,"tfa":0,"net_tfa":-650,"tfa_he":34350,"tw":36850,"age":54,"inc":4686,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-650,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":91000,"hequity":84000,"nifa":2000,"net_nifa":800,"tfa":2000,"net_tfa":800,"tfa_he":84800,"tw":89925,"age":42,"inc":24600,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8200,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":44000,"net_nifa":44000,"tfa":52200,"net_tfa":52200,"tfa_he":162200,"tw":162200,"age":56,"inc":22464,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":52200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":175000,"hmort":80000,"hequity":95000,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":87000,"tw":87500,"age":37,"inc":28500,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":54,"inc":10440,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":29300,"tw":29300,"age":59,"inc":13332,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":17136,"fsize":4,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":31000,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":17898,"net_nifa":17528,"tfa":48898,"net_tfa":48528,"tfa_he":83528,"tw":92528,"age":58,"inc":63360,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":48528,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4500,"a401":0,"hval":62000,"hmort":62000,"hequity":0,"nifa":5700,"net_nifa":5700,"tfa":10200,"net_tfa":10200,"tfa_he":10200,"tw":10295,"age":46,"inc":27978,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":10200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-7800,"tfa":700,"net_tfa":-7800,"tfa_he":-7800,"tw":7200,"age":28,"inc":43146,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-7800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":20000,"hequity":5000,"nifa":5,"net_nifa":-1795,"tfa":5,"net_tfa":-1795,"tfa_he":3205,"tw":4005,"age":48,"inc":10338,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1795,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":122000,"tw":123850,"age":42,"inc":19152,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1050,"net_nifa":-2200,"tfa":2050,"net_tfa":-1200,"tfa_he":-1200,"tw":29800,"age":27,"inc":58320,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.55004,"net_n401":-1200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":0,"hequity":12000,"nifa":3450,"net_nifa":3325,"tfa":3450,"net_tfa":3325,"tfa_he":15325,"tw":18675,"age":43,"inc":11460,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":3325,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-400,"tfa":300,"net_tfa":-400,"tfa_he":-400,"tw":2475,"age":26,"inc":13818,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":30000,"hequity":8000,"nifa":20,"net_nifa":-2430,"tfa":20,"net_tfa":-2430,"tfa_he":5570,"tw":8570,"age":35,"inc":26640,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2430,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13050,"net_nifa":13050,"tfa":13050,"net_tfa":13050,"tfa_he":13050,"tw":18300,"age":29,"inc":17079,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":13050,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-16000,"tfa":500,"net_tfa":-16000,"tfa_he":-16000,"tw":-8000,"age":34,"inc":57021,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-16000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":27000,"net_nifa":27000,"tfa":29000,"net_tfa":29000,"tfa_he":29000,"tw":34493,"age":29,"inc":12690,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":29000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3600,"net_nifa":-3900,"tfa":3600,"net_tfa":-3900,"tfa_he":-3900,"tw":3100,"age":27,"inc":58446,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-3900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":2999,"net_nifa":-3001,"tfa":2999,"net_tfa":-3001,"tfa_he":86999,"tw":162999,"age":35,"inc":34836,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-3001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":0,"hequity":105000,"nifa":1500,"net_nifa":1400,"tfa":1500,"net_tfa":1400,"tfa_he":106400,"tw":239350,"age":63,"inc":25548,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":13110,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6700,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":529,"net_nifa":529,"tfa":7229,"net_tfa":7229,"tfa_he":157229,"tw":157229,"age":46,"inc":18918,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.27326,"net_n401":7229,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":199999,"hmort":55000,"hequity":144999,"nifa":23749,"net_nifa":17149,"tfa":27749,"net_tfa":21149,"tfa_he":166148,"tw":182701,"age":40,"inc":39201,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":21149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2900,"a401":0,"hval":43000,"hmort":39000,"hequity":4000,"nifa":100,"net_nifa":-10900,"tfa":3000,"net_tfa":-8000,"tfa_he":-4000,"tw":-2500,"age":39,"inc":36984,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":146249,"net_nifa":144749,"tfa":146249,"net_tfa":144749,"tfa_he":179749,"tw":186749,"age":61,"inc":34737,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":144749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":76200,"tw":76700,"age":32,"inc":29700,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":0,"hequity":32000,"nifa":450,"net_nifa":-10550,"tfa":450,"net_tfa":-10550,"tfa_he":21450,"tw":21450,"age":44,"inc":22248,"fsize":8,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-10550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":140000,"hmort":81000,"hequity":59000,"nifa":5049,"net_nifa":3549,"tfa":7549,"net_tfa":6049,"tfa_he":65049,"tw":77049,"age":44,"inc":67602,"fsize":7,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":6049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":33500,"hmort":33500,"hequity":0,"nifa":230,"net_nifa":-21070,"tfa":230,"net_tfa":-21070,"tfa_he":-21070,"tw":-15696,"age":27,"inc":33453,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-21070,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2900,"tfa":3000,"net_tfa":2900,"tfa_he":2900,"tw":3400,"age":42,"inc":69375,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":2900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":66500,"hequity":113500,"nifa":1250,"net_nifa":50,"tfa":1250,"net_tfa":50,"tfa_he":113550,"tw":118550,"age":40,"inc":42633,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":785,"a401":0,"hval":80000,"hmort":30000,"hequity":50000,"nifa":40115,"net_nifa":40115,"tfa":40900,"net_tfa":40900,"tfa_he":90900,"tw":90900,"age":45,"inc":70755,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":40900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4225,"age":25,"inc":13320,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":151000,"tw":151000,"age":34,"inc":102996,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":21000,"hequity":11000,"nifa":395,"net_nifa":-11635,"tfa":395,"net_tfa":-11635,"tfa_he":-635,"tw":7665,"age":37,"inc":34803,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-11635,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":6471,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":1250,"net_tfa":1250,"tfa_he":1250,"tw":8585,"age":37,"inc":19455,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.32681,"net_n401":1250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16850,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":26598,"net_nifa":26561,"tfa":43448,"net_tfa":43411,"tfa_he":128411,"tw":136011,"age":61,"inc":39081,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":43411,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":51,"inc":15000,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":830,"net_nifa":230,"tfa":830,"net_tfa":230,"tfa_he":230,"tw":13230,"age":35,"inc":24144,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":230,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":252000,"hmort":150000,"hequity":102000,"nifa":3010,"net_nifa":-23990,"tfa":3010,"net_tfa":-23990,"tfa_he":78010,"tw":78010,"age":48,"inc":52206,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-23990,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15918,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":39257,"net_nifa":39257,"tfa":55175,"net_tfa":55175,"tfa_he":55175,"tw":55175,"age":38,"inc":23877,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":55175,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":17400,"hequity":42600,"nifa":5,"net_nifa":-7100,"tfa":5,"net_tfa":-7100,"tfa_he":35500,"tw":38500,"age":43,"inc":59208,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-7100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":103000,"hequity":42000,"nifa":46500,"net_nifa":46500,"tfa":46500,"net_tfa":46500,"tfa_he":88500,"tw":91000,"age":33,"inc":41712,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":46500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":78000,"hequity":0,"nifa":1370,"net_nifa":1370,"tfa":1370,"net_tfa":1370,"tfa_he":1370,"tw":40370,"age":49,"inc":46791,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1370,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":63000,"a401":0,"hval":160000,"hmort":40000,"hequity":120000,"nifa":648,"net_nifa":648,"tfa":63648,"net_tfa":63648,"tfa_he":183648,"tw":183648,"age":40,"inc":54261,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":63648,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":16491,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1125,"net_nifa":-1875,"tfa":1125,"net_tfa":-1875,"tfa_he":-1875,"tw":625,"age":27,"inc":13215,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1875,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":62000,"hequity":33000,"nifa":62800,"net_nifa":62550,"tfa":62800,"net_tfa":62550,"tfa_he":95550,"tw":98050,"age":37,"inc":53835,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":62550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":58000,"hequity":22000,"nifa":340,"net_nifa":-3160,"tfa":340,"net_tfa":-3160,"tfa_he":18840,"tw":44840,"age":42,"inc":29298,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-3160,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":16278,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":0,"hequity":6000,"nifa":1202,"net_nifa":1046,"tfa":1202,"net_tfa":1046,"tfa_he":7046,"tw":7796,"age":27,"inc":10857,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1046,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":35000,"hequity":10000,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":10599,"tw":10599,"age":39,"inc":47937,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":449,"net_nifa":-1551,"tfa":449,"net_tfa":-1551,"tfa_he":78449,"tw":82024,"age":52,"inc":16590,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-1551,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":-3801,"tfa":399,"net_tfa":-3801,"tfa_he":-3801,"tw":7399,"age":30,"inc":44424,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-3801,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":49,"tw":49,"age":25,"inc":11733,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":49,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":40000,"hequity":15000,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":12500,"tw":12500,"age":29,"inc":36885,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":75299,"net_nifa":75299,"tfa":75299,"net_tfa":75299,"tfa_he":165299,"tw":165299,"age":58,"inc":33510,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":75299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2250,"a401":0,"hval":65000,"hmort":31000,"hequity":34000,"nifa":75,"net_nifa":75,"tfa":2325,"net_tfa":2325,"tfa_he":36325,"tw":44600,"age":37,"inc":19440,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":2325,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21000,"net_nifa":17000,"tfa":33000,"net_tfa":29000,"tfa_he":29000,"tw":56596,"age":48,"inc":59256,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":27000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":0,"hval":95000,"hmort":72000,"hequity":23000,"nifa":15000,"net_nifa":5000,"tfa":17000,"net_tfa":7000,"tfa_he":30000,"tw":31600,"age":45,"inc":50328,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.48688,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":40999,"net_nifa":40499,"tfa":55999,"net_tfa":55499,"tfa_he":130499,"tw":130499,"age":55,"inc":31014,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":55499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":88000,"hmort":88000,"hequity":0,"nifa":2499,"net_nifa":-2801,"tfa":2499,"net_tfa":-2801,"tfa_he":-2801,"tw":2199,"age":53,"inc":40926,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15300,"hequity":19700,"nifa":270,"net_nifa":-13930,"tfa":270,"net_tfa":-13930,"tfa_he":5770,"tw":5980,"age":44,"inc":15603,"fsize":2,"educ":7,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-13930,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":64000,"hequity":8000,"nifa":1650,"net_nifa":1500,"tfa":1650,"net_tfa":1500,"tfa_he":9500,"tw":22166,"age":33,"inc":24060,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-4900,"tfa":100,"net_tfa":-4900,"tfa_he":-4900,"tw":3175,"age":48,"inc":12513,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-4900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1700,"tfa":0,"net_tfa":-1700,"tfa_he":-1700,"tw":-1050,"age":28,"inc":11688,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":17370,"a401":0,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1699,"net_nifa":-1301,"tfa":19069,"net_tfa":16069,"tfa_he":56069,"tw":59569,"age":39,"inc":45762,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":16069,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":13000,"net_nifa":12350,"tfa":23000,"net_tfa":22350,"tfa_he":122350,"tw":137650,"age":37,"inc":55560,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":22350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":170000,"hmort":145000,"hequity":25000,"nifa":1400,"net_nifa":1000,"tfa":7400,"net_tfa":7000,"tfa_he":32000,"tw":36000,"age":28,"inc":30879,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-1800,"tfa":800,"net_tfa":-1800,"tfa_he":-1800,"tw":-1050,"age":28,"inc":27030,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":2148,"net_nifa":2148,"tfa":32148,"net_tfa":32148,"tfa_he":40148,"tw":195148,"age":63,"inc":87720,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":32148,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":39774,"net_nifa":39774,"tfa":89774,"net_tfa":89774,"tfa_he":89774,"tw":90274,"age":61,"inc":29982,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":89774,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":10350,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":749,"tw":4099,"age":35,"inc":16845,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":749,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":7300,"hequity":50700,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":45700,"tw":51280,"age":46,"inc":17100,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-5000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":86000,"hmort":44000,"hequity":42000,"nifa":1500,"net_nifa":500,"tfa":1500,"net_tfa":500,"tfa_he":42500,"tw":42500,"age":29,"inc":44895,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3446,"net_nifa":3446,"tfa":3446,"net_tfa":3446,"tfa_he":3446,"tw":3946,"age":47,"inc":30720,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":3446,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3270,"net_nifa":570,"tfa":4470,"net_tfa":1770,"tfa_he":1770,"tw":3295,"age":27,"inc":29661,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":1770,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":45300,"a401":0,"hval":125000,"hmort":61000,"hequity":64000,"nifa":1247,"net_nifa":1147,"tfa":46547,"net_tfa":46447,"tfa_he":110447,"tw":140447,"age":48,"inc":73017,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":46447,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":106000,"hmort":106000,"hequity":0,"nifa":9449,"net_nifa":8649,"tfa":9449,"net_tfa":8649,"tfa_he":8649,"tw":8649,"age":36,"inc":65505,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":8649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":59000,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":38,"inc":30540,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2725,"age":37,"inc":9792,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-13092,"tfa":2000,"net_tfa":-13092,"tfa_he":-13092,"tw":-9192,"age":26,"inc":55311,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-13092,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":50,"age":25,"inc":26268,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":21000,"hmort":0,"hequity":21000,"nifa":3720,"net_nifa":3720,"tfa":3720,"net_tfa":3720,"tfa_he":24720,"tw":25220,"age":60,"inc":2307,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":3720,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":300000,"hmort":27000,"hequity":273000,"nifa":5083,"net_nifa":5023,"tfa":55083,"net_tfa":55023,"tfa_he":328023,"tw":335685,"age":64,"inc":53379,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":55023,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":31,"net_nifa":-22913,"tfa":31,"net_tfa":-22913,"tfa_he":-22913,"tw":3087,"age":48,"inc":54504,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-22913,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2115,"net_nifa":2115,"tfa":2115,"net_tfa":2115,"tfa_he":2115,"tw":3015,"age":27,"inc":35205,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":2115,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":28,"inc":9408,"fsize":5,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":392,"net_nifa":392,"tfa":392,"net_tfa":392,"tfa_he":392,"tw":392,"age":32,"inc":24840,"fsize":3,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":392,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":65,"net_nifa":-1935,"tfa":65,"net_tfa":-1935,"tfa_he":-1935,"tw":-1935,"age":56,"inc":22140,"fsize":7,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1935,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":83000,"hequity":7000,"nifa":2499,"net_nifa":1499,"tfa":2499,"net_tfa":1499,"tfa_he":8499,"tw":24499,"age":46,"inc":56094,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":2400,"net_nifa":2325,"tfa":2400,"net_tfa":2325,"tfa_he":7325,"tw":9225,"age":30,"inc":7275,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.03663,"net_n401":2325,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":-33880,"tfa":7500,"net_tfa":-33880,"tfa_he":-33880,"tw":-33880,"age":27,"inc":61125,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-33880,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":56000,"hequity":29000,"nifa":15210,"net_nifa":7210,"tfa":15210,"net_tfa":7210,"tfa_he":36210,"tw":36210,"age":32,"inc":34452,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":7210,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1850,"age":39,"inc":13650,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-4925,"tfa":75,"net_tfa":-4925,"tfa_he":-4925,"tw":-4925,"age":36,"inc":10185,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-4925,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":25000,"hmort":21000,"hequity":4000,"nifa":15300,"net_nifa":15300,"tfa":24300,"net_tfa":24300,"tfa_he":28300,"tw":110898,"age":51,"inc":35847,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":24300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":49,"inc":16578,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":35,"inc":24705,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6700,"net_nifa":4325,"tfa":6700,"net_tfa":4325,"tfa_he":4325,"tw":9156,"age":25,"inc":36042,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":4325,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":0,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":12750,"age":32,"inc":18756,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":25,"inc":3876,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":185000,"hmort":122000,"hequity":63000,"nifa":21000,"net_nifa":21000,"tfa":25000,"net_tfa":25000,"tfa_he":88000,"tw":88000,"age":40,"inc":70650,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":25000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":106400,"hmort":0,"hequity":106400,"nifa":7266,"net_nifa":6808,"tfa":67266,"net_tfa":66808,"tfa_he":173208,"tw":275008,"age":64,"inc":28017,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":66808,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":57,"inc":23280,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3500,"a401":0,"hval":120000,"hmort":16000,"hequity":104000,"nifa":7650,"net_nifa":6450,"tfa":11150,"net_tfa":9950,"tfa_he":113950,"tw":121950,"age":50,"inc":45015,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":9950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":99,"tw":99,"age":54,"inc":26202,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":99,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":7950,"age":36,"inc":17055,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":4000,"hequity":4000,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":-3000,"tw":-3000,"age":28,"inc":19770,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-7000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-980,"tfa":20,"net_tfa":-980,"tfa_he":-980,"tw":-980,"age":34,"inc":18573,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-980,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":43,"inc":18360,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":699,"net_nifa":-501,"tfa":699,"net_tfa":-501,"tfa_he":-501,"tw":2860,"age":45,"inc":15561,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-501,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":35500,"hequity":4500,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":4700,"tw":14700,"age":38,"inc":28143,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":42000,"hequity":3000,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":3900,"tw":4750,"age":30,"inc":33210,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":60000,"hmort":18000,"hequity":42000,"nifa":100,"net_nifa":-3900,"tfa":8100,"net_tfa":4100,"tfa_he":46100,"tw":55100,"age":49,"inc":13200,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14649,"net_n401":4100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":41000,"hequity":14000,"nifa":5800,"net_nifa":3750,"tfa":5800,"net_tfa":3750,"tfa_he":17750,"tw":19145,"age":49,"inc":25923,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":3750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11500,"a401":0,"hval":130000,"hmort":80000,"hequity":50000,"nifa":7399,"net_nifa":3399,"tfa":18899,"net_tfa":14899,"tfa_he":64899,"tw":67899,"age":63,"inc":41064,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":14899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":86000,"a401":0,"hval":250000,"hmort":46000,"hequity":204000,"nifa":104000,"net_nifa":103400,"tfa":190000,"net_tfa":189400,"tfa_he":393400,"tw":448400,"age":58,"inc":39150,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":189400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":200,"age":46,"inc":2205,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3800,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":1150,"net_nifa":-350,"tfa":4950,"net_tfa":3450,"tfa_he":3450,"tw":3450,"age":33,"inc":43830,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":3450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7220,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":13198,"net_nifa":13198,"tfa":20418,"net_tfa":20418,"tfa_he":50418,"tw":50418,"age":51,"inc":17616,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.27326,"net_n401":20418,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2850,"net_nifa":1850,"tfa":10850,"net_tfa":9850,"tfa_he":9850,"tw":13333,"age":43,"inc":27381,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":9850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":42000,"hequity":3000,"nifa":740,"net_nifa":-2610,"tfa":740,"net_tfa":-2610,"tfa_he":390,"tw":8390,"age":40,"inc":38760,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":13000,"hequity":67000,"nifa":20000,"net_nifa":20000,"tfa":20000,"net_tfa":20000,"tfa_he":87000,"tw":87000,"age":62,"inc":30381,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":899,"net_nifa":-8651,"tfa":899,"net_tfa":-8651,"tfa_he":-3651,"tw":19699,"age":55,"inc":27033,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-8651,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":-84700,"tfa":2300,"net_tfa":-84700,"tfa_he":-84700,"tw":-84700,"age":29,"inc":28149,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-84700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":-1751,"tfa":749,"net_tfa":-1751,"tfa_he":-1751,"tw":-1751,"age":32,"inc":41175,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-1751,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":13500,"age":42,"inc":24345,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":36000,"hmort":32500,"hequity":3500,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":3900,"tw":10600,"age":56,"inc":32376,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":120000,"hequity":0,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":249,"tw":249,"age":31,"inc":14931,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":102000,"hequity":18000,"nifa":9998,"net_nifa":9998,"tfa":9998,"net_tfa":9998,"tfa_he":27998,"tw":27998,"age":49,"inc":39102,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":9998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":43000,"hequity":17000,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":10000,"tw":15000,"age":52,"inc":53955,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14700,"a401":0,"hval":80000,"hmort":30000,"hequity":50000,"nifa":25299,"net_nifa":22579,"tfa":39999,"net_tfa":37279,"tfa_he":87279,"tw":111363,"age":43,"inc":65820,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":37279,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-2475,"tfa":25,"net_tfa":-2475,"tfa_he":-2475,"tw":-2475,"age":30,"inc":22236,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2475,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":70000,"tw":70000,"age":35,"inc":37548,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":16550,"hequity":8450,"nifa":4,"net_nifa":4,"tfa":4,"net_tfa":4,"tfa_he":8454,"tw":8454,"age":47,"inc":17172,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":4,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":46000,"hequity":0,"nifa":10029,"net_nifa":10029,"tfa":10029,"net_tfa":10029,"tfa_he":10029,"tw":12279,"age":30,"inc":21306,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":10029,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":8000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":25,"inc":27030,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":14000,"hequity":21000,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":25000,"tw":30000,"age":36,"inc":29160,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":55000,"hequity":45000,"nifa":100,"net_nifa":-700,"tfa":100,"net_tfa":-700,"tfa_he":44300,"tw":56300,"age":36,"inc":20280,"fsize":5,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5650,"net_nifa":5650,"tfa":5650,"net_tfa":5650,"tfa_he":5650,"tw":5650,"age":57,"inc":4680,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":5650,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":130000,"hmort":61000,"hequity":69000,"nifa":2600,"net_nifa":2550,"tfa":2600,"net_tfa":2550,"tfa_he":71550,"tw":71550,"age":36,"inc":77940,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":2550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":28000,"hequity":-8000,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":-9400,"tw":-9400,"age":28,"inc":22680,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8700,"a401":0,"hval":145000,"hmort":0,"hequity":145000,"nifa":5428,"net_nifa":5128,"tfa":14128,"net_tfa":13828,"tfa_he":158828,"tw":167746,"age":62,"inc":31692,"fsize":2,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":13828,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":170000,"hmort":107000,"hequity":63000,"nifa":5100,"net_nifa":1600,"tfa":10100,"net_tfa":6600,"tfa_he":69600,"tw":72600,"age":44,"inc":37500,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":6600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":33750,"hmort":33750,"hequity":0,"nifa":644,"net_nifa":-7156,"tfa":644,"net_tfa":-7156,"tfa_he":-7156,"tw":-922,"age":27,"inc":8826,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-7156,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":175000,"hmort":32000,"hequity":143000,"nifa":5200,"net_nifa":5200,"tfa":21700,"net_tfa":21700,"tfa_he":164700,"tw":164700,"age":48,"inc":32325,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":21700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":128,"net_nifa":-5226,"tfa":128,"net_tfa":-5226,"tfa_he":-5226,"tw":-5226,"age":48,"inc":11913,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-5226,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-40,"tfa":0,"net_tfa":-40,"tfa_he":-40,"tw":4371,"age":49,"inc":15570,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-40,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":2672,"net_nifa":672,"tfa":5172,"net_tfa":3172,"tfa_he":88172,"tw":88172,"age":43,"inc":29898,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":3172,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":13428,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11502,"net_nifa":7501,"tfa":11502,"net_tfa":7501,"tfa_he":7501,"tw":16076,"age":39,"inc":25770,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":7501,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":55000,"hequity":245000,"nifa":27349,"net_nifa":27349,"tfa":27349,"net_tfa":27349,"tfa_he":272349,"tw":272349,"age":27,"inc":44640,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":27349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":200,"net_nifa":-300,"tfa":200,"net_tfa":-300,"tfa_he":64700,"tw":71700,"age":39,"inc":20760,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-2550,"tfa":100,"net_tfa":-2550,"tfa_he":-2550,"tw":-2225,"age":31,"inc":12240,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-2550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":102000,"hmort":102000,"hequity":0,"nifa":238,"net_nifa":-1062,"tfa":238,"net_tfa":-1062,"tfa_he":-1062,"tw":-562,"age":29,"inc":16236,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-1062,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":4900,"net_nifa":4900,"tfa":4900,"net_tfa":4900,"tfa_he":124900,"tw":124900,"age":58,"inc":28440,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":4900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":83000,"hequity":7000,"nifa":1000,"net_nifa":-6400,"tfa":1000,"net_tfa":-6400,"tfa_he":600,"tw":8800,"age":26,"inc":36090,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":15000,"hequity":43000,"nifa":4450,"net_nifa":3450,"tfa":4450,"net_tfa":3450,"tfa_he":46450,"tw":46450,"age":50,"inc":27,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.06231,"net_n401":3450,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":8000,"hequity":7000,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":8200,"tw":17900,"age":29,"inc":18540,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":1200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":55000,"hequity":5000,"nifa":410,"net_nifa":110,"tfa":410,"net_tfa":110,"tfa_he":5110,"tw":5110,"age":28,"inc":41130,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":110,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":75000,"hequity":75000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":75200,"tw":75200,"age":58,"inc":20490,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":6000,"hequity":14000,"nifa":125,"net_nifa":-275,"tfa":125,"net_tfa":-275,"tfa_he":13725,"tw":15075,"age":41,"inc":15642,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-275,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":52,"inc":14040,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":53699,"net_nifa":53699,"tfa":53699,"net_tfa":53699,"tfa_he":128699,"tw":128699,"age":55,"inc":54963,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":53699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1137,"net_nifa":-1563,"tfa":1137,"net_tfa":-1563,"tfa_he":-1563,"tw":37,"age":30,"inc":33219,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1563,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":111500,"hequity":48500,"nifa":27196,"net_nifa":27196,"tfa":27196,"net_tfa":27196,"tfa_he":75696,"tw":120946,"age":57,"inc":49509,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":27196,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-150,"tfa":125,"net_tfa":-150,"tfa_he":-150,"tw":3200,"age":25,"inc":10161,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":61000,"hequity":29000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":34000,"tw":40375,"age":35,"inc":11628,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":5000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11694,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11982,"net_nifa":10533,"tfa":23676,"net_tfa":22227,"tfa_he":22227,"tw":93326,"age":38,"inc":35247,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.67399,"net_n401":22227,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":225,"net_nifa":225,"tfa":225,"net_tfa":225,"tfa_he":225,"tw":225,"age":41,"inc":39630,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":225,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":700,"age":32,"inc":21399,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7549,"net_nifa":4549,"tfa":11549,"net_tfa":8549,"tfa_he":8549,"tw":8549,"age":56,"inc":33477,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":8549,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":4999,"tw":6499,"age":35,"inc":34647,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":4999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":13000,"hequity":212000,"nifa":70000,"net_nifa":66700,"tfa":70000,"net_tfa":66700,"tfa_he":278700,"tw":336200,"age":58,"inc":100329,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":66700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":48000,"hmort":32000,"hequity":16000,"nifa":2150,"net_nifa":550,"tfa":2150,"net_tfa":550,"tfa_he":16550,"tw":16550,"age":31,"inc":20526,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":26500,"a401":0,"hval":145000,"hmort":145000,"hequity":0,"nifa":106300,"net_nifa":104850,"tfa":132800,"net_tfa":131350,"tfa_he":131350,"tw":241350,"age":43,"inc":73710,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":131350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":57050,"net_nifa":55600,"tfa":57050,"net_tfa":55600,"tfa_he":110600,"tw":110600,"age":59,"inc":47064,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":55600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":25000,"a401":0,"hval":210000,"hmort":137000,"hequity":73000,"nifa":9000,"net_nifa":9000,"tfa":137000,"net_tfa":137000,"tfa_he":210000,"tw":216000,"age":39,"inc":54900,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":34000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":62999,"tw":62999,"age":56,"inc":16092,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":2999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":47500,"hequity":10500,"nifa":13004,"net_nifa":9004,"tfa":13004,"net_tfa":9004,"tfa_he":19504,"tw":52504,"age":42,"inc":28554,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":9004,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":68000,"hequity":57000,"nifa":2550,"net_nifa":-3375,"tfa":2550,"net_tfa":-3375,"tfa_he":53625,"tw":53625,"age":33,"inc":38136,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-3375,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":12000,"hequity":48000,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":46800,"tw":80300,"age":40,"inc":24084,"fsize":6,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":50900,"hequity":49100,"nifa":15226,"net_nifa":12726,"tfa":15226,"net_tfa":12726,"tfa_he":61826,"tw":61826,"age":38,"inc":85092,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":12726,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":307,"a401":0,"hval":135000,"hmort":75000,"hequity":60000,"nifa":3092,"net_nifa":3092,"tfa":3399,"net_tfa":3399,"tfa_he":63399,"tw":63899,"age":36,"inc":15645,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.13209,"net_n401":3399,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":62000,"hequity":33000,"nifa":15000,"net_nifa":7200,"tfa":15000,"net_tfa":7200,"tfa_he":40200,"tw":57000,"age":46,"inc":35610,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":7200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":12000,"tw":12000,"age":25,"inc":44070,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":12000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":36,"inc":14460,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":15500,"hequity":59500,"nifa":14049,"net_nifa":13239,"tfa":14049,"net_tfa":13239,"tfa_he":72739,"tw":72739,"age":62,"inc":30429,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":13239,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8975,"a401":0,"hval":110000,"hmort":40000,"hequity":70000,"nifa":972,"net_nifa":-1628,"tfa":9947,"net_tfa":7347,"tfa_he":77347,"tw":82477,"age":44,"inc":44934,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":7347,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":12400,"net_nifa":12400,"tfa":12400,"net_tfa":12400,"tfa_he":20400,"tw":65400,"age":31,"inc":23550,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":12400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":4000,"hequity":16000,"nifa":0,"net_nifa":-1260,"tfa":0,"net_tfa":-1260,"tfa_he":14740,"tw":17740,"age":33,"inc":14280,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1260,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":25000,"net_nifa":24400,"tfa":37000,"net_tfa":36400,"tfa_he":106400,"tw":112050,"age":45,"inc":28875,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":36400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":53500,"hequity":46500,"nifa":800,"net_nifa":-1200,"tfa":800,"net_tfa":-1200,"tfa_he":45300,"tw":46800,"age":56,"inc":37755,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-465,"tfa":0,"net_tfa":-465,"tfa_he":-465,"tw":1535,"age":35,"inc":8670,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-465,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":10000,"hequity":4000,"nifa":250,"net_nifa":-3250,"tfa":250,"net_tfa":-3250,"tfa_he":750,"tw":750,"age":35,"inc":6000,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":-3250,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":20800,"hequity":29200,"nifa":100,"net_nifa":-11400,"tfa":100,"net_tfa":-11400,"tfa_he":17800,"tw":22800,"age":28,"inc":21891,"fsize":5,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-11400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":7200,"hequity":14800,"nifa":150,"net_nifa":-3250,"tfa":150,"net_tfa":-3250,"tfa_he":11550,"tw":14325,"age":46,"inc":15144,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-3250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":153,"net_nifa":-15047,"tfa":153,"net_tfa":-15047,"tfa_he":-15047,"tw":-7047,"age":31,"inc":7320,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-15047,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":2520,"age":32,"inc":12243,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":182,"net_nifa":182,"tfa":182,"net_tfa":182,"tfa_he":182,"tw":182,"age":32,"inc":10929,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":182,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":41129,"hequity":871,"nifa":27,"net_nifa":-7773,"tfa":27,"net_tfa":-7773,"tfa_he":-6902,"tw":-4852,"age":47,"inc":10590,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-7773,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50025,"net_nifa":50025,"tfa":50025,"net_tfa":50025,"tfa_he":50025,"tw":50025,"age":29,"inc":64560,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":50025,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":21000,"hequity":59000,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":60400,"tw":63575,"age":59,"inc":18936,"fsize":3,"educ":8,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":1400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9300,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":79450,"net_nifa":79450,"tfa":88750,"net_tfa":88750,"tfa_he":208750,"tw":220250,"age":54,"inc":34035,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":88750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15000,"hequity":20000,"nifa":649,"net_nifa":-11351,"tfa":649,"net_tfa":-11351,"tfa_he":8649,"tw":21149,"age":35,"inc":16077,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-11351,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":7470,"fsize":3,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60000,"age":51,"inc":16350,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":270000,"hmort":125000,"hequity":145000,"nifa":10000,"net_nifa":4600,"tfa":10000,"net_tfa":4600,"tfa_he":149600,"tw":149600,"age":32,"inc":50970,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":40000,"hequity":20000,"nifa":650,"net_nifa":50,"tfa":650,"net_tfa":50,"tfa_he":20050,"tw":22550,"age":43,"inc":39612,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73500,"hmort":57500,"hequity":16000,"nifa":2830,"net_nifa":2830,"tfa":2830,"net_tfa":2830,"tfa_he":18830,"tw":18830,"age":32,"inc":35832,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":2830,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":560,"net_nifa":-3440,"tfa":560,"net_tfa":-3440,"tfa_he":-3440,"tw":560,"age":28,"inc":19152,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-3440,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":350,"net_nifa":-1750,"tfa":350,"net_tfa":-1750,"tfa_he":88250,"tw":90750,"age":29,"inc":14892,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-1750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":20000,"hequity":20000,"nifa":825,"net_nifa":-975,"tfa":825,"net_tfa":-975,"tfa_he":19025,"tw":23325,"age":34,"inc":19362,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-975,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":107500,"hequity":27500,"nifa":4100,"net_nifa":2100,"tfa":4100,"net_tfa":2100,"tfa_he":29600,"tw":35475,"age":32,"inc":21306,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":29000,"hmort":29000,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":6200,"age":26,"inc":24348,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35597,"net_nifa":23997,"tfa":35597,"net_tfa":23997,"tfa_he":23997,"tw":192797,"age":38,"inc":2661,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":23997,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":49000,"hequity":21000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":21000,"tw":21000,"age":41,"inc":12000,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":22000,"hequity":3000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":0,"tw":0,"age":49,"inc":24882,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3,"net_nifa":-627,"tfa":3,"net_tfa":-627,"tfa_he":-627,"tw":-627,"age":36,"inc":12750,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-627,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1599,"net_nifa":1499,"tfa":5599,"net_tfa":5499,"tfa_he":5499,"tw":13174,"age":64,"inc":18090,"fsize":1,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.32681,"net_n401":5499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6500,"a401":0,"hval":200000,"hmort":25000,"hequity":175000,"nifa":6699,"net_nifa":6699,"tfa":13199,"net_tfa":13199,"tfa_he":188199,"tw":188199,"age":53,"inc":34191,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":13199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":122499,"net_nifa":122499,"tfa":122499,"net_tfa":122499,"tfa_he":422499,"tw":430574,"age":61,"inc":60150,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":122499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":130000,"hmort":84000,"hequity":46000,"nifa":11043,"net_nifa":8043,"tfa":11043,"net_tfa":8043,"tfa_he":54043,"tw":62958,"age":50,"inc":54981,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":8043,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-14800,"tfa":200,"net_tfa":-14800,"tfa_he":-14800,"tw":-11300,"age":44,"inc":15513,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-14800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":204,"net_nifa":-2796,"tfa":204,"net_tfa":-2796,"tfa_he":-2796,"tw":-2796,"age":31,"inc":12816,"fsize":7,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-2796,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1999,"tfa":1999,"net_tfa":1999,"tfa_he":1999,"tw":2499,"age":33,"inc":14520,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":200,"net_nifa":-100,"tfa":200,"net_tfa":-100,"tfa_he":29900,"tw":29900,"age":61,"inc":8382,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":285000,"hmort":45000,"hequity":240000,"nifa":40000,"net_nifa":20000,"tfa":40000,"net_tfa":20000,"tfa_he":260000,"tw":260000,"age":62,"inc":14100,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":20000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":41,"inc":43410,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":899,"net_nifa":149,"tfa":899,"net_tfa":149,"tfa_he":149,"tw":149,"age":28,"inc":15669,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":149,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":135000,"hmort":0,"hequity":135000,"nifa":159999,"net_nifa":157999,"tfa":177999,"net_tfa":175999,"tfa_he":310999,"tw":329499,"age":63,"inc":61476,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":175999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":1300,"tfa":4200,"net_tfa":3100,"tfa_he":3100,"tw":4600,"age":30,"inc":30210,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":3100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":14000,"hequity":16000,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":16499,"tw":16999,"age":45,"inc":15780,"fsize":2,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-200,"age":27,"inc":8640,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":-4000,"tw":-2375,"age":26,"inc":18000,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-4000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3900,"net_nifa":-8400,"tfa":3900,"net_tfa":-8400,"tfa_he":-8400,"tw":-8400,"age":31,"inc":46800,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-8400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-4100,"tfa":2100,"net_tfa":-4100,"tfa_he":-4100,"tw":475,"age":31,"inc":29025,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":68000,"hequity":19000,"nifa":500,"net_nifa":-7000,"tfa":500,"net_tfa":-7000,"tfa_he":12000,"tw":29000,"age":32,"inc":59958,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":1000,"tfa":9000,"net_tfa":1000,"tfa_he":1000,"tw":4596,"age":28,"inc":25200,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":75000,"tw":75000,"age":34,"inc":48900,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":38000,"hequity":0,"nifa":9,"net_nifa":-16122,"tfa":9,"net_tfa":-16122,"tfa_he":-16122,"tw":-7322,"age":47,"inc":23067,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-16122,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":-1400,"age":42,"inc":28350,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":400,"net_nifa":0,"tfa":400,"net_tfa":0,"tfa_he":5000,"tw":51000,"age":45,"inc":50883,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":100,"net_nifa":-1500,"tfa":100,"net_tfa":-1500,"tfa_he":13500,"tw":22500,"age":31,"inc":30324,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-20,"tfa":20,"net_tfa":-20,"tfa_he":-20,"tw":-20,"age":30,"inc":10272,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":95500,"hequity":54500,"nifa":12500,"net_nifa":12400,"tfa":12500,"net_tfa":12400,"tfa_he":66900,"tw":69400,"age":31,"inc":50388,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":12400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":199,"tfa":199,"net_tfa":199,"tfa_he":199,"tw":249,"age":44,"inc":22692,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":199,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":100000,"hequity":100000,"nifa":27650,"net_nifa":27150,"tfa":27650,"net_tfa":27150,"tfa_he":127150,"tw":133052,"age":40,"inc":42672,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":27150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":35500,"hequity":12500,"nifa":59,"net_nifa":59,"tfa":59,"net_tfa":59,"tfa_he":12559,"tw":13559,"age":43,"inc":30333,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":59,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":549,"net_nifa":-651,"tfa":549,"net_tfa":-651,"tfa_he":24349,"tw":24349,"age":52,"inc":10968,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-651,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1350,"net_nifa":-28650,"tfa":1800,"net_tfa":-28200,"tfa_he":-28200,"tw":-28200,"age":33,"inc":6855,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-28650,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7500,"tfa":0,"net_tfa":-7500,"tfa_he":-7500,"tw":-4000,"age":34,"inc":19890,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-7500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":50000,"hmort":40000,"hequity":10000,"nifa":6550,"net_nifa":3500,"tfa":12550,"net_tfa":9500,"tfa_he":19500,"tw":19500,"age":55,"inc":30954,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-117200,"tfa":0,"net_tfa":-117200,"tfa_he":-117200,"tw":-117200,"age":39,"inc":14790,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-117200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":38000,"a401":0,"hval":60000,"hmort":16300,"hequity":43700,"nifa":5300,"net_nifa":4800,"tfa":43300,"net_tfa":42800,"tfa_he":86500,"tw":86500,"age":53,"inc":32559,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":42800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3600,"tfa":0,"net_tfa":-3600,"tfa_he":-3600,"tw":-2100,"age":26,"inc":2025,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-3600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":67000,"hequity":1000,"nifa":1000,"net_nifa":-3000,"tfa":1000,"net_tfa":-3000,"tfa_he":-2000,"tw":6000,"age":39,"inc":48360,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":45000,"a401":0,"hval":170000,"hmort":0,"hequity":170000,"nifa":180000,"net_nifa":180000,"tfa":225000,"net_tfa":225000,"tfa_he":395000,"tw":409900,"age":38,"inc":71703,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":225000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":700,"tw":5700,"age":34,"inc":34800,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":11400,"hequity":58600,"nifa":800,"net_nifa":400,"tfa":800,"net_tfa":400,"tfa_he":59000,"tw":77250,"age":64,"inc":36798,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67498,"net_nifa":59498,"tfa":67498,"net_tfa":59498,"tfa_he":59498,"tw":59498,"age":46,"inc":64203,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":59498,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":-5800,"tfa":1700,"net_tfa":-5800,"tfa_he":-5800,"tw":1647,"age":25,"inc":26610,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-5800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":41,"inc":12900,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-220,"tfa":0,"net_tfa":-220,"tfa_he":-220,"tw":280,"age":56,"inc":12723,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-220,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":430,"net_nifa":-12970,"tfa":430,"net_tfa":-12970,"tfa_he":27030,"tw":27030,"age":44,"inc":35034,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-12970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":45,"inc":26661,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":175,"net_nifa":-11425,"tfa":175,"net_tfa":-11425,"tfa_he":-11425,"tw":-8425,"age":27,"inc":28809,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-11425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":78000,"hequity":52000,"nifa":200,"net_nifa":-3800,"tfa":200,"net_tfa":-3800,"tfa_he":48200,"tw":56253,"age":44,"inc":34965,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":125000,"hmort":106000,"hequity":19000,"nifa":4900,"net_nifa":400,"tfa":64900,"net_tfa":60400,"tfa_he":79400,"tw":79400,"age":43,"inc":103356,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":60400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":4999,"tw":4999,"age":49,"inc":41100,"fsize":1,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":4999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":61,"inc":17430,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":22000,"hmort":0,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":22000,"tw":22000,"age":53,"inc":13770,"fsize":3,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":15000,"hequity":25000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":25000,"tw":26250,"age":52,"inc":6282,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1600,"tfa":200,"net_tfa":-1600,"tfa_he":-1600,"tw":4943,"age":35,"inc":30804,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3600,"net_nifa":100,"tfa":3600,"net_tfa":100,"tfa_he":100,"tw":850,"age":36,"inc":25020,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":38,"inc":11040,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":800,"age":29,"inc":16800,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":57,"inc":25008,"fsize":3,"educ":3,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":7000,"hequity":18000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":18000,"tw":18000,"age":26,"inc":21990,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":130000,"hequity":20000,"nifa":19940,"net_nifa":19940,"tfa":19940,"net_tfa":19940,"tfa_he":39940,"tw":39940,"age":33,"inc":74568,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":19940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4400,"net_nifa":4175,"tfa":4400,"net_tfa":4175,"tfa_he":4175,"tw":15175,"age":36,"inc":63288,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":4175,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7250,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18200,"net_nifa":18200,"tfa":25450,"net_tfa":25450,"tfa_he":25450,"tw":25450,"age":55,"inc":55326,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":25450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":32000,"hmort":18000,"hequity":14000,"nifa":106700,"net_nifa":104500,"tfa":106700,"net_tfa":104500,"tfa_he":118500,"tw":118500,"age":42,"inc":36489,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":104500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":330,"net_nifa":-27770,"tfa":330,"net_tfa":-27770,"tfa_he":-27770,"tw":-22838,"age":34,"inc":17022,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-27770,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":29000,"hequity":151000,"nifa":149,"net_nifa":99,"tfa":149,"net_tfa":99,"tfa_he":151099,"tw":157099,"age":43,"inc":36000,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-200,"tfa":800,"net_tfa":-200,"tfa_he":-200,"tw":6500,"age":28,"inc":26493,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":101000,"hmort":101000,"hequity":0,"nifa":1597,"net_nifa":-8653,"tfa":1597,"net_tfa":-8653,"tfa_he":-8653,"tw":-1153,"age":50,"inc":37437,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-8653,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":16000,"hequity":9000,"nifa":4900,"net_nifa":4900,"tfa":4900,"net_tfa":4900,"tfa_he":13900,"tw":22025,"age":26,"inc":16860,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":4900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":9992,"age":31,"inc":14880,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":8000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112000,"hmort":100200,"hequity":11800,"nifa":14000,"net_nifa":-400,"tfa":14000,"net_tfa":-400,"tfa_he":11400,"tw":11400,"age":33,"inc":90306,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":44,"inc":3825,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":330,"net_nifa":330,"tfa":330,"net_tfa":330,"tfa_he":330,"tw":330,"age":31,"inc":15300,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":330,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100000,"net_nifa":98000,"tfa":112000,"net_tfa":110000,"tfa_he":110000,"tw":110000,"age":39,"inc":46791,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":110000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":28000,"hequity":12000,"nifa":500,"net_nifa":-6200,"tfa":500,"net_tfa":-6200,"tfa_he":5800,"tw":5800,"age":38,"inc":20985,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-6200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":19999,"net_nifa":18499,"tfa":19999,"net_tfa":18499,"tfa_he":48499,"tw":51299,"age":52,"inc":26856,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":18499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":34000,"hmort":9200,"hequity":24800,"nifa":10500,"net_nifa":10500,"tfa":10500,"net_tfa":10500,"tfa_he":35300,"tw":119900,"age":38,"inc":41982,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":80000,"hmort":73000,"hequity":7000,"nifa":27050,"net_nifa":26550,"tfa":30550,"net_tfa":30050,"tfa_he":37050,"tw":37050,"age":46,"inc":38925,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":30050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":40000,"hmort":37000,"hequity":3000,"nifa":1250,"net_nifa":750,"tfa":7250,"net_tfa":6750,"tfa_he":9750,"tw":9750,"age":36,"inc":22815,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":6750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":0,"tfa":3000,"net_tfa":0,"tfa_he":0,"tw":12000,"age":47,"inc":57924,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":5500,"age":27,"inc":31308,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1575,"net_nifa":575,"tfa":1575,"net_tfa":575,"tfa_he":575,"tw":11875,"age":25,"inc":17310,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":575,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":13600,"net_nifa":6540,"tfa":13600,"net_tfa":6540,"tfa_he":51540,"tw":61840,"age":53,"inc":49452,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":6540,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":0,"hequity":28000,"nifa":1,"net_nifa":-449,"tfa":1,"net_tfa":-449,"tfa_he":27551,"tw":43604,"age":36,"inc":8640,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-449,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7000,"hmort":7000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":26,"inc":5280,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":8670,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":2400,"age":53,"inc":21816,"fsize":1,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":8250,"net_nifa":2750,"tfa":8250,"net_tfa":2750,"tfa_he":92750,"tw":164750,"age":60,"inc":58830,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":103000,"hmort":0,"hequity":103000,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":102800,"tw":102800,"age":43,"inc":14070,"fsize":4,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":96065,"hmort":52000,"hequity":44065,"nifa":600,"net_nifa":-551,"tfa":600,"net_tfa":-551,"tfa_he":43514,"tw":50564,"age":49,"inc":21648,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-551,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":36000,"hequity":8000,"nifa":1500,"net_nifa":1400,"tfa":1500,"net_tfa":1400,"tfa_he":9400,"tw":16400,"age":25,"inc":37257,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-8300,"tfa":2000,"net_tfa":-8300,"tfa_he":-8300,"tw":-7550,"age":42,"inc":17952,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-8300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":9000,"hmort":9000,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":-1900,"age":31,"inc":22011,"fsize":7,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":42500,"hequity":7500,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":6500,"tw":8500,"age":48,"inc":30240,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":5021,"net_nifa":5021,"tfa":5021,"net_tfa":5021,"tfa_he":55021,"tw":55021,"age":54,"inc":9600,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":5021,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":10000,"hequity":50000,"nifa":5935,"net_nifa":4035,"tfa":5935,"net_tfa":4035,"tfa_he":54035,"tw":61287,"age":53,"inc":28317,"fsize":2,"educ":11,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":4035,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6000,"tfa":0,"net_tfa":-6000,"tfa_he":-6000,"tw":-5500,"age":42,"inc":16338,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-6000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":32,"inc":19200,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90650,"hmort":90650,"hequity":0,"nifa":10,"net_nifa":-4470,"tfa":10,"net_tfa":-4470,"tfa_he":-4470,"tw":-4470,"age":42,"inc":53205,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-4470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1700,"net_nifa":1100,"tfa":1700,"net_tfa":1100,"tfa_he":51100,"tw":51100,"age":52,"inc":27465,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":46,"inc":4800,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":78900,"hequity":46100,"nifa":3299,"net_nifa":-1701,"tfa":3299,"net_tfa":-1701,"tfa_he":44399,"tw":46899,"age":39,"inc":33300,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":56000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":84000,"net_nifa":-16000,"tfa":140000,"net_tfa":40000,"tfa_he":190000,"tw":300000,"age":46,"inc":160200,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":40000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":260,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3022,"net_nifa":-15978,"tfa":3282,"net_tfa":-15718,"tfa_he":-15718,"tw":-14718,"age":55,"inc":39528,"fsize":2,"educ":10,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60444,"net_n401":-15718,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":16500,"net_nifa":16350,"tfa":16500,"net_tfa":16350,"tfa_he":51350,"tw":86650,"age":63,"inc":25611,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":16350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":83,"net_nifa":83,"tfa":83,"net_tfa":83,"tfa_he":83,"tw":83,"age":43,"inc":32316,"fsize":4,"educ":10,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.58963,"net_n401":83,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2330,"a401":0,"hval":130000,"hmort":70000,"hequity":60000,"nifa":9725,"net_nifa":7725,"tfa":12055,"net_tfa":10055,"tfa_he":70055,"tw":74055,"age":34,"inc":41757,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10055,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":275,"net_nifa":-19565,"tfa":275,"net_tfa":-19565,"tfa_he":-19565,"tw":-19240,"age":32,"inc":13800,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-19565,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":30000,"net_nifa":30000,"tfa":30000,"net_tfa":30000,"tfa_he":100000,"tw":100000,"age":55,"inc":8850,"fsize":2,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":30000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":550,"age":36,"inc":17280,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":11340,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":540,"net_nifa":-460,"tfa":540,"net_tfa":-460,"tfa_he":59540,"tw":59540,"age":46,"inc":7767,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-460,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":90000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":35499,"net_nifa":35199,"tfa":125499,"net_tfa":125199,"tfa_he":185199,"tw":185199,"age":56,"inc":57984,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":125199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":40000,"hequity":25000,"nifa":1000,"net_nifa":-500,"tfa":1000,"net_tfa":-500,"tfa_he":24500,"tw":24858,"age":51,"inc":19968,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-7500,"tfa":1500,"net_tfa":-7500,"tfa_he":-7500,"tw":-3700,"age":27,"inc":43518,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-7500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":58,"inc":17448,"fsize":1,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":36400,"hmort":25000,"hequity":11400,"nifa":250,"net_nifa":-1450,"tfa":250,"net_tfa":-1450,"tfa_he":9950,"tw":16450,"age":34,"inc":28869,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":39000,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":21400,"net_nifa":20300,"tfa":60400,"net_tfa":59300,"tfa_he":234300,"tw":534300,"age":58,"inc":23706,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":59300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":43,"inc":10668,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":30000,"hequity":27000,"nifa":749,"net_nifa":-3036,"tfa":749,"net_tfa":-3036,"tfa_he":23964,"tw":42964,"age":28,"inc":19701,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-3036,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1520,"a401":0,"hval":8000,"hmort":5000,"hequity":3000,"nifa":28,"net_nifa":-6712,"tfa":1548,"net_tfa":-5192,"tfa_he":-2192,"tw":-792,"age":36,"inc":15186,"fsize":4,"educ":9,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14649,"net_n401":-5192,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1549,"net_nifa":449,"tfa":1549,"net_tfa":449,"tfa_he":449,"tw":7449,"age":35,"inc":32022,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":449,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4900,"net_nifa":1900,"tfa":4900,"net_tfa":1900,"tfa_he":1900,"tw":1900,"age":28,"inc":20730,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":78000,"hequity":7000,"nifa":3000,"net_nifa":1300,"tfa":3000,"net_tfa":1300,"tfa_he":8300,"tw":8300,"age":30,"inc":32430,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":80000,"hequity":145000,"nifa":12849,"net_nifa":12849,"tfa":12849,"net_tfa":12849,"tfa_he":157849,"tw":157849,"age":36,"inc":51165,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":12849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":11000,"age":39,"inc":7143,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":4000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2500,"net_nifa":-3800,"tfa":12500,"net_tfa":6200,"tfa_he":156200,"tw":356200,"age":49,"inc":134490,"fsize":5,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":6200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":750,"net_nifa":50,"tfa":750,"net_tfa":50,"tfa_he":50050,"tw":53050,"age":44,"inc":11610,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":3199,"net_nifa":3199,"tfa":3199,"net_tfa":3199,"tfa_he":53199,"tw":58199,"age":46,"inc":36390,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":250,"tfa":300,"net_tfa":250,"tfa_he":250,"tw":-750,"age":33,"inc":14877,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":0,"age":35,"inc":19287,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":19500,"hequity":25500,"nifa":1950,"net_nifa":450,"tfa":1950,"net_tfa":450,"tfa_he":25950,"tw":25950,"age":47,"inc":33792,"fsize":6,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":35000,"hequity":21000,"nifa":9999,"net_nifa":6399,"tfa":9999,"net_tfa":6399,"tfa_he":27399,"tw":27399,"age":56,"inc":25761,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":6399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":32000,"hequity":23000,"nifa":100,"net_nifa":-2900,"tfa":100,"net_tfa":-2900,"tfa_he":20100,"tw":20100,"age":43,"inc":29808,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1455,"net_nifa":-7545,"tfa":1455,"net_tfa":-7545,"tfa_he":-7545,"tw":-6795,"age":27,"inc":26940,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-7545,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":21400,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":32847,"net_nifa":32847,"tfa":54247,"net_tfa":54247,"tfa_he":204247,"tw":404247,"age":52,"inc":22488,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":54247,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":0,"net_nifa":-2100,"tfa":0,"net_tfa":-2100,"tfa_he":7900,"tw":7900,"age":33,"inc":22764,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3534,"a401":0,"hval":99950,"hmort":76500,"hequity":23450,"nifa":1175,"net_nifa":-4525,"tfa":4709,"net_tfa":-991,"tfa_he":22459,"tw":31659,"age":34,"inc":42429,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":-991,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":3500,"net_nifa":2700,"tfa":3500,"net_tfa":2700,"tfa_he":177700,"tw":257700,"age":40,"inc":47355,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-300,"tfa":1300,"net_tfa":-300,"tfa_he":-300,"tw":19700,"age":29,"inc":33600,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9600,"a401":0,"hval":100000,"hmort":80000,"hequity":20000,"nifa":2980,"net_nifa":-3620,"tfa":12580,"net_tfa":5980,"tfa_he":25980,"tw":57980,"age":59,"inc":64956,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":5980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4200,"a401":0,"hval":200000,"hmort":26000,"hequity":174000,"nifa":9200,"net_nifa":7200,"tfa":13400,"net_tfa":11400,"tfa_he":185400,"tw":185400,"age":44,"inc":59664,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":80000,"hequity":10000,"nifa":500,"net_nifa":-1500,"tfa":500,"net_tfa":-1500,"tfa_he":8500,"tw":8500,"age":42,"inc":47682,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-6395,"tfa":5,"net_tfa":-6395,"tfa_he":-6395,"tw":780,"age":25,"inc":27918,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-6395,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":34,"inc":53520,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":20000,"hequity":39000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":39000,"tw":39000,"age":41,"inc":46080,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-700,"tfa":100,"net_tfa":-700,"tfa_he":-700,"tw":3875,"age":34,"inc":22800,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1850,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":50350,"net_nifa":45850,"tfa":52200,"net_tfa":47700,"tfa_he":172700,"tw":576200,"age":62,"inc":65028,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":47700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11000,"net_nifa":11000,"tfa":13000,"net_tfa":13000,"tfa_he":13000,"tw":73000,"age":30,"inc":67125,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":13000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-1335,"tfa":1500,"net_tfa":-1335,"tfa_he":-1335,"tw":-335,"age":28,"inc":31800,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1335,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":16983,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":95000,"hmort":49000,"hequity":46000,"nifa":1700,"net_nifa":1700,"tfa":5700,"net_tfa":5700,"tfa_he":51700,"tw":58116,"age":59,"inc":13974,"fsize":3,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.13209,"net_n401":5700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5300,"net_nifa":3500,"tfa":5300,"net_tfa":3500,"tfa_he":3500,"tw":5900,"age":33,"inc":19236,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":3500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":750,"tfa":1500,"net_tfa":750,"tfa_he":750,"tw":975,"age":46,"inc":12630,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":10,"net_nifa":-5790,"tfa":10,"net_tfa":-5790,"tfa_he":-5790,"tw":-5790,"age":48,"inc":21066,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-5790,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-1850,"tfa":150,"net_tfa":-1850,"tfa_he":-1850,"tw":1829,"age":32,"inc":17550,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-1850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":39000,"net_nifa":39000,"tfa":39000,"net_tfa":39000,"tfa_he":124000,"tw":131775,"age":62,"inc":58272,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.74723,"net_n401":39000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4500,"tfa":500,"net_tfa":-4500,"tfa_he":-4500,"tw":350,"age":29,"inc":18000,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":70000,"hequity":170000,"nifa":11730,"net_nifa":11730,"tfa":11730,"net_tfa":11730,"tfa_he":181730,"tw":234730,"age":48,"inc":77913,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":11730,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":982,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":85,"net_nifa":-1591,"tfa":1067,"net_tfa":-609,"tfa_he":-609,"tw":-609,"age":29,"inc":27486,"fsize":6,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2062,"net_n401":-609,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16999,"net_nifa":16999,"tfa":16999,"net_tfa":16999,"tfa_he":16999,"tw":20777,"age":26,"inc":33651,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":16999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2149,"net_nifa":-2051,"tfa":2149,"net_tfa":-2051,"tfa_he":-2051,"tw":-2051,"age":32,"inc":20205,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2051,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":75000,"hmort":54000,"hequity":21000,"nifa":1000,"net_nifa":700,"tfa":2000,"net_tfa":1700,"tfa_he":22700,"tw":22700,"age":41,"inc":45810,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-10500,"tfa":400,"net_tfa":-10500,"tfa_he":-10500,"tw":-10500,"age":32,"inc":67422,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-10500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":120000,"net_nifa":116000,"tfa":124000,"net_tfa":120000,"tfa_he":270000,"tw":270000,"age":40,"inc":124932,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":120000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":40000,"hequity":245000,"nifa":500,"net_nifa":-400,"tfa":500,"net_tfa":-400,"tfa_he":244600,"tw":444600,"age":63,"inc":43902,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4,"net_nifa":4,"tfa":4,"net_tfa":4,"tfa_he":4,"tw":854,"age":31,"inc":3603,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":4,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":155000,"hmort":17000,"hequity":138000,"nifa":2400,"net_nifa":1900,"tfa":2400,"net_tfa":1900,"tfa_he":139900,"tw":139900,"age":53,"inc":96909,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":40000,"net_nifa":39966,"tfa":40000,"net_tfa":39966,"tfa_he":84966,"tw":86566,"age":56,"inc":27621,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":39966,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":90000,"hmort":67000,"hequity":23000,"nifa":4000,"net_nifa":4000,"tfa":9000,"net_tfa":9000,"tfa_he":32000,"tw":32000,"age":45,"inc":61560,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":8,"net_nifa":-2617,"tfa":8,"net_tfa":-2617,"tfa_he":72383,"tw":70883,"age":52,"inc":9000,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.35361,"net_n401":-2617,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9600,"net_nifa":9150,"tfa":9600,"net_tfa":9150,"tfa_he":9150,"tw":11725,"age":43,"inc":18900,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":9150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14000,"net_nifa":14000,"tfa":14000,"net_tfa":14000,"tfa_he":14000,"tw":14000,"age":63,"inc":15558,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":14000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":55,"net_nifa":55,"tfa":55,"net_tfa":55,"tfa_he":55,"tw":55,"age":26,"inc":32640,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":55,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":900,"net_nifa":350,"tfa":2900,"net_tfa":2350,"tfa_he":42350,"tw":42350,"age":48,"inc":41655,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.71967,"net_n401":2350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":52000,"hequity":43000,"nifa":1000,"net_nifa":550,"tfa":1000,"net_tfa":550,"tfa_he":43550,"tw":46900,"age":46,"inc":32895,"fsize":1,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":67000,"age":27,"inc":10248,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18,"net_nifa":-2382,"tfa":18,"net_tfa":-2382,"tfa_he":-2382,"tw":-1882,"age":37,"inc":37662,"fsize":11,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2382,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":856,"net_nifa":656,"tfa":856,"net_tfa":656,"tfa_he":12656,"tw":12856,"age":59,"inc":23976,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":656,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":180000,"hmort":95000,"hequity":85000,"nifa":734,"net_nifa":734,"tfa":734,"net_tfa":734,"tfa_he":85734,"tw":85734,"age":53,"inc":31386,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":734,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":75000,"hequity":100000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":100000,"tw":100500,"age":42,"inc":22941,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":36000,"hequity":4000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":4200,"tw":5700,"age":32,"inc":30186,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":35000,"hequity":31000,"nifa":696,"net_nifa":-7304,"tfa":696,"net_tfa":-7304,"tfa_he":23696,"tw":27271,"age":43,"inc":19068,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-7304,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":16500,"hequity":13500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":13500,"tw":13500,"age":25,"inc":19800,"fsize":1,"educ":9,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":26000,"hequity":94000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":94000,"tw":101546,"age":31,"inc":28080,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":28467,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.43669,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":25500,"hequity":19500,"nifa":900,"net_nifa":-7100,"tfa":900,"net_tfa":-7100,"tfa_he":12400,"tw":12400,"age":42,"inc":36603,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-7100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":7484,"age":40,"inc":10560,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":45000,"hequity":45000,"nifa":200,"net_nifa":-1800,"tfa":200,"net_tfa":-1800,"tfa_he":43200,"tw":118800,"age":53,"inc":34755,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":6050,"net_nifa":50,"tfa":16050,"net_tfa":10050,"tfa_he":60050,"tw":60550,"age":54,"inc":9816,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":10050,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":-700,"tw":-25,"age":28,"inc":23382,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":52500,"net_nifa":52500,"tfa":62500,"net_tfa":62500,"tfa_he":177500,"tw":240850,"age":60,"inc":55476,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.78569,"net_n401":62500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":30,"inc":16800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":7500,"hequity":72500,"nifa":350,"net_nifa":-14650,"tfa":350,"net_tfa":-14650,"tfa_he":57850,"tw":58412,"age":37,"inc":25488,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-14650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":22000,"hequity":50000,"nifa":1300,"net_nifa":-276,"tfa":1300,"net_tfa":-276,"tfa_he":49724,"tw":50224,"age":48,"inc":52836,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-276,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":120000,"hmort":120000,"hequity":0,"nifa":6000,"net_nifa":4800,"tfa":14000,"net_tfa":12800,"tfa_he":12800,"tw":12800,"age":31,"inc":50529,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":12800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":34000,"hequity":10000,"nifa":4005,"net_nifa":-4995,"tfa":4005,"net_tfa":-4995,"tfa_he":5005,"tw":19205,"age":29,"inc":42828,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4995,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":42000,"hmort":39000,"hequity":3000,"nifa":125,"net_nifa":-500,"tfa":2125,"net_tfa":1500,"tfa_he":4500,"tw":8300,"age":32,"inc":34455,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1891,"net_nifa":-4609,"tfa":1891,"net_tfa":-4609,"tfa_he":-4609,"tw":-2872,"age":27,"inc":39003,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-4609,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":32,"inc":12750,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1800,"tfa":0,"net_tfa":-1800,"tfa_he":-1800,"tw":-800,"age":42,"inc":15786,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":17000,"net_tfa":17000,"tfa_he":17000,"tw":17895,"age":35,"inc":9600,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.11738,"net_n401":17000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":1600,"net_tfa":1600,"tfa_he":1600,"tw":4100,"age":41,"inc":33225,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":86000,"hmort":22000,"hequity":64000,"nifa":4222,"net_nifa":2222,"tfa":5222,"net_tfa":3222,"tfa_he":67222,"tw":69222,"age":53,"inc":29169,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":3222,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":34,"inc":9600,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":2400,"tfa":2700,"net_tfa":2400,"tfa_he":2400,"tw":9999,"age":28,"inc":25500,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":33750,"hequity":166250,"nifa":8999,"net_nifa":5999,"tfa":8999,"net_tfa":5999,"tfa_he":172249,"tw":217249,"age":61,"inc":50919,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":5999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":8600,"net_nifa":-3700,"tfa":15600,"net_tfa":3300,"tfa_he":43300,"tw":46650,"age":39,"inc":29232,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":2225,"age":37,"inc":12900,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":90,"tfa":90,"net_tfa":90,"tfa_he":90,"tw":1190,"age":31,"inc":38319,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":90,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":700,"net_nifa":-500,"tfa":700,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":53,"inc":21000,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":15000,"hequity":80000,"nifa":400,"net_nifa":-1600,"tfa":400,"net_tfa":-1600,"tfa_he":78400,"tw":78400,"age":60,"inc":31605,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":22000,"a401":0,"hval":145000,"hmort":59700,"hequity":85300,"nifa":999,"net_nifa":-5201,"tfa":26999,"net_tfa":20799,"tfa_he":106099,"tw":122152,"age":50,"inc":48660,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":16799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":50000,"hmort":32000,"hequity":18000,"nifa":1000,"net_nifa":1000,"tfa":5000,"net_tfa":5000,"tfa_he":23000,"tw":29150,"age":36,"inc":17379,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.13209,"net_n401":5000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":17000,"net_nifa":17000,"tfa":17000,"net_tfa":17000,"tfa_he":32000,"tw":34765,"age":35,"inc":19464,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":17000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":6000,"hequity":59000,"nifa":5483,"net_nifa":4883,"tfa":5483,"net_tfa":4883,"tfa_he":63883,"tw":69883,"age":44,"inc":26472,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4883,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":50,"inc":30660,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-4300,"tfa":700,"net_tfa":-4300,"tfa_he":-4300,"tw":-4300,"age":43,"inc":20583,"fsize":4,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-4300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":100000,"hequity":25000,"nifa":5526,"net_nifa":2526,"tfa":5526,"net_tfa":2526,"tfa_he":27526,"tw":30526,"age":25,"inc":47322,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":2526,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":0,"hequity":180000,"nifa":9999,"net_nifa":9999,"tfa":9999,"net_tfa":9999,"tfa_he":189999,"tw":189999,"age":64,"inc":18450,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":9999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":83000,"hmort":17200,"hequity":65800,"nifa":300,"net_nifa":-690,"tfa":300,"net_tfa":-690,"tfa_he":65110,"tw":67110,"age":45,"inc":33084,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.38664,"net_n401":-690,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":19999,"net_nifa":19749,"tfa":26999,"net_tfa":26749,"tfa_he":96749,"tw":96749,"age":55,"inc":45990,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":26749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":41500,"hequity":98500,"nifa":678,"net_nifa":-2422,"tfa":678,"net_tfa":-2422,"tfa_he":96078,"tw":99803,"age":50,"inc":30636,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-2422,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9000,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":4900,"net_nifa":3500,"tfa":13900,"net_tfa":12500,"tfa_he":102500,"tw":102500,"age":64,"inc":18738,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14649,"net_n401":12500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":54000,"hequity":41000,"nifa":7125,"net_nifa":6325,"tfa":7125,"net_tfa":6325,"tfa_he":47325,"tw":55325,"age":35,"inc":32265,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":10000,"age":49,"inc":18153,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2082,"net_nifa":1482,"tfa":2082,"net_tfa":1482,"tfa_he":1482,"tw":11907,"age":35,"inc":37965,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":1482,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":39,"inc":21216,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":400,"net_nifa":-4100,"tfa":400,"net_tfa":-4100,"tfa_he":20900,"tw":26900,"age":45,"inc":27648,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-4100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":41,"inc":1035,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":23923,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":75866,"net_nifa":75866,"tfa":99789,"net_tfa":99789,"tfa_he":159789,"tw":246789,"age":61,"inc":66528,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":99789,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24999,"net_nifa":23549,"tfa":24999,"net_tfa":23549,"tfa_he":23549,"tw":23549,"age":29,"inc":19491,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":23549,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-6994,"tfa":6,"net_tfa":-6994,"tfa_he":-6994,"tw":-6994,"age":45,"inc":35565,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-6994,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-495,"tfa":5,"net_tfa":-495,"tfa_he":-495,"tw":-495,"age":31,"inc":10008,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-495,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":15600,"hequity":29400,"nifa":900,"net_nifa":300,"tfa":900,"net_tfa":300,"tfa_he":29700,"tw":29700,"age":50,"inc":18348,"fsize":4,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":75664,"net_nifa":75664,"tfa":97664,"net_tfa":97664,"tfa_he":197664,"tw":206589,"age":58,"inc":44640,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":97664,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-7055,"tfa":20,"net_tfa":-7055,"tfa_he":-7055,"tw":-3705,"age":31,"inc":5232,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-7055,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":190000,"hmort":116000,"hequity":74000,"nifa":0,"net_nifa":0,"tfa":15000,"net_tfa":15000,"tfa_he":89000,"tw":90500,"age":41,"inc":9798,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.1432,"net_n401":15000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":30600,"fsize":1,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":2691,"age":41,"inc":26022,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":25000,"hequity":75000,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":74400,"tw":75150,"age":40,"inc":13290,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":125000,"hequity":175000,"nifa":3300,"net_nifa":-3700,"tfa":3300,"net_tfa":-3700,"tfa_he":171300,"tw":171300,"age":31,"inc":63858,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":21000,"hequity":19000,"nifa":50,"net_nifa":-3450,"tfa":50,"net_tfa":-3450,"tfa_he":15550,"tw":23550,"age":45,"inc":23670,"fsize":12,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":200000,"hmort":75000,"hequity":125000,"nifa":800,"net_nifa":800,"tfa":3300,"net_tfa":3300,"tfa_he":128300,"tw":144800,"age":49,"inc":20082,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":27000,"hequity":23000,"nifa":7250,"net_nifa":6850,"tfa":7250,"net_tfa":6850,"tfa_he":29850,"tw":38850,"age":40,"inc":51198,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":6850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10599,"net_nifa":8599,"tfa":10599,"net_tfa":8599,"tfa_he":8599,"tw":8599,"age":36,"inc":43440,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":8599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":9900,"fsize":3,"educ":1,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1125,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":2849,"net_nifa":449,"tfa":3974,"net_tfa":1574,"tfa_he":46574,"tw":51574,"age":52,"inc":45135,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":1574,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":73500,"hmort":47000,"hequity":26500,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":27700,"tw":31050,"age":38,"inc":17652,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-3300,"tfa":1000,"net_tfa":-3300,"tfa_he":-3300,"tw":6700,"age":27,"inc":35745,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-3300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17300,"net_nifa":17300,"tfa":40300,"net_tfa":40300,"tfa_he":40300,"tw":40300,"age":35,"inc":27486,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2062,"net_n401":40300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":27900,"net_nifa":27870,"tfa":47900,"net_tfa":47870,"tfa_he":67870,"tw":92095,"age":48,"inc":40452,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.44148,"net_n401":47870,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-250,"tfa":500,"net_tfa":-250,"tfa_he":-250,"tw":-250,"age":33,"inc":24114,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4488,"a401":0,"hval":60000,"hmort":47900,"hequity":12100,"nifa":50,"net_nifa":-1150,"tfa":4538,"net_tfa":3338,"tfa_he":15438,"tw":15438,"age":34,"inc":27876,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":3338,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":62000,"hequity":0,"nifa":12499,"net_nifa":4499,"tfa":12499,"net_tfa":4499,"tfa_he":4499,"tw":4999,"age":37,"inc":39000,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":34000,"hequity":6000,"nifa":64500,"net_nifa":58500,"tfa":64500,"net_tfa":58500,"tfa_he":64500,"tw":108679,"age":47,"inc":47292,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":58500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14000,"net_nifa":13300,"tfa":14000,"net_tfa":13300,"tfa_he":13300,"tw":15500,"age":39,"inc":34509,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":13300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":50000,"age":40,"inc":25500,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":63000,"hequity":0,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":1499,"tw":2999,"age":48,"inc":39651,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":49,"net_nifa":-1151,"tfa":49,"net_tfa":-1151,"tfa_he":53849,"tw":54349,"age":58,"inc":22953,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-1151,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":0,"tfa":300,"net_tfa":0,"tfa_he":0,"tw":0,"age":57,"inc":5220,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":36000,"hequity":44000,"nifa":2010,"net_nifa":2010,"tfa":2010,"net_tfa":2010,"tfa_he":46010,"tw":46010,"age":62,"inc":20796,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":2010,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":61,"inc":3636,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":16500,"hequity":23500,"nifa":150,"net_nifa":-50,"tfa":150,"net_tfa":-50,"tfa_he":23450,"tw":28700,"age":42,"inc":14928,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":27500,"hequity":7500,"nifa":356,"net_nifa":356,"tfa":356,"net_tfa":356,"tfa_he":7856,"tw":7856,"age":33,"inc":31575,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":356,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":61,"inc":16200,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":86000,"hmort":86000,"hequity":0,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":1499,"tw":6978,"age":38,"inc":31674,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":19101,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":900,"tfa":2000,"net_tfa":900,"tfa_he":900,"tw":6084,"age":30,"inc":27045,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":80000,"hequity":220000,"nifa":6800,"net_nifa":6000,"tfa":6800,"net_tfa":6000,"tfa_he":226000,"tw":237000,"age":40,"inc":37920,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":14000,"hequity":6000,"nifa":7800,"net_nifa":6757,"tfa":7800,"net_tfa":6757,"tfa_he":12757,"tw":12757,"age":27,"inc":45654,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":6757,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":16000,"hequity":4000,"nifa":5599,"net_nifa":1099,"tfa":5599,"net_tfa":1099,"tfa_he":5099,"tw":11299,"age":36,"inc":57675,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":1099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":80000,"hequity":40000,"nifa":5136,"net_nifa":1636,"tfa":5136,"net_tfa":1636,"tfa_he":41636,"tw":43636,"age":26,"inc":180858,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":1636,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":18500,"hequity":51500,"nifa":8599,"net_nifa":6999,"tfa":8599,"net_tfa":6999,"tfa_he":58499,"tw":61849,"age":40,"inc":916,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":6999,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":71400,"hmort":71400,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":15362,"age":38,"inc":31500,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":78000,"hequity":12000,"nifa":8000,"net_nifa":6500,"tfa":8000,"net_tfa":6500,"tfa_he":18500,"tw":27500,"age":40,"inc":47463,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":6500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":57000,"hequity":1000,"nifa":10000,"net_nifa":5800,"tfa":10000,"net_tfa":5800,"tfa_he":6800,"tw":13800,"age":29,"inc":53337,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":30500,"hequity":14500,"nifa":1300,"net_nifa":-300,"tfa":1300,"net_tfa":-300,"tfa_he":14200,"tw":17200,"age":42,"inc":24336,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22800,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":73622,"net_nifa":73622,"tfa":96422,"net_tfa":96422,"tfa_he":108422,"tw":114347,"age":48,"inc":46743,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":96422,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":422,"net_nifa":-14578,"tfa":422,"net_tfa":-14578,"tfa_he":-14578,"tw":-5303,"age":54,"inc":32076,"fsize":3,"educ":3,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":-14578,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2025,"net_nifa":-725,"tfa":2025,"net_tfa":-725,"tfa_he":-725,"tw":-725,"age":30,"inc":24510,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-725,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":85000,"hmort":49000,"hequity":36000,"nifa":7249,"net_nifa":7249,"tfa":33249,"net_tfa":33249,"tfa_he":69249,"tw":136692,"age":49,"inc":87660,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":33249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":8000,"age":44,"inc":65400,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4400,"net_nifa":2900,"tfa":4400,"net_tfa":2900,"tfa_he":2900,"tw":5372,"age":30,"inc":20559,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":2900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32300,"net_nifa":31300,"tfa":36900,"net_tfa":35900,"tfa_he":35900,"tw":36400,"age":33,"inc":39351,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":35900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":1800,"net_nifa":-334,"tfa":1800,"net_tfa":-334,"tfa_he":1666,"tw":37666,"age":43,"inc":34299,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-334,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":105000,"hequity":30000,"nifa":36800,"net_nifa":36800,"tfa":36800,"net_tfa":36800,"tfa_he":66800,"tw":66800,"age":30,"inc":75222,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":36800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":202699,"net_nifa":202699,"tfa":219699,"net_tfa":219699,"tfa_he":239699,"tw":444699,"age":59,"inc":144534,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":219699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":75000,"hequity":0,"nifa":0,"net_nifa":-4100,"tfa":0,"net_tfa":-4100,"tfa_he":-4100,"tw":3700,"age":26,"inc":28080,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-4100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":162000,"hmort":150000,"hequity":12000,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":8000,"tw":20000,"age":41,"inc":21735,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":85000,"hequity":35000,"nifa":4200,"net_nifa":3000,"tfa":4200,"net_tfa":3000,"tfa_he":38000,"tw":38000,"age":33,"inc":45810,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":-2200,"age":33,"inc":17214,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24999,"net_nifa":20999,"tfa":34999,"net_tfa":30999,"tfa_he":30999,"tw":33499,"age":41,"inc":39150,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":30999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-5700,"tfa":300,"net_tfa":-5700,"tfa_he":-5700,"tw":-5700,"age":35,"inc":31620,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-5700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":61500,"hequity":88500,"nifa":1335,"net_nifa":-915,"tfa":1335,"net_tfa":-915,"tfa_he":87585,"tw":112585,"age":39,"inc":54066,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-915,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":609,"net_nifa":-791,"tfa":609,"net_tfa":-791,"tfa_he":57209,"tw":67209,"age":47,"inc":18195,"fsize":10,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-791,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-14900,"tfa":0,"net_tfa":-14900,"tfa_he":-14900,"tw":-14700,"age":40,"inc":32832,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-14900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1250,"a401":0,"hval":85000,"hmort":20000,"hequity":65000,"nifa":1200,"net_nifa":615,"tfa":2450,"net_tfa":1865,"tfa_he":66865,"tw":83865,"age":46,"inc":68823,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":1865,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":80000,"hequity":25000,"nifa":2950,"net_nifa":550,"tfa":2950,"net_tfa":550,"tfa_he":25550,"tw":25550,"age":34,"inc":65505,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10999,"net_nifa":10999,"tfa":10999,"net_tfa":10999,"tfa_he":10999,"tw":13499,"age":25,"inc":36600,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":10999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":2325,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":42500,"hequity":13500,"nifa":18850,"net_nifa":18150,"tfa":18850,"net_tfa":18150,"tfa_he":31650,"tw":31650,"age":51,"inc":58245,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":18150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":58000,"hequity":32000,"nifa":1900,"net_nifa":1900,"tfa":1900,"net_tfa":1900,"tfa_he":33900,"tw":33900,"age":32,"inc":37260,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":100000,"hmort":55000,"hequity":45000,"nifa":357500,"net_nifa":357500,"tfa":377500,"net_tfa":377500,"tfa_he":422500,"tw":422500,"age":54,"inc":110892,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":377500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":7854,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":1227,"net_nifa":652,"tfa":1227,"net_tfa":652,"tfa_he":10652,"tw":16772,"age":31,"inc":32295,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":652,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14178,"net_nifa":14178,"tfa":14178,"net_tfa":14178,"tfa_he":14178,"tw":14178,"age":32,"inc":24396,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":14178,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":65000,"tw":65000,"age":59,"inc":12960,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":93000,"hequity":2000,"nifa":500,"net_nifa":-4200,"tfa":500,"net_tfa":-4200,"tfa_he":-2200,"tw":250,"age":40,"inc":31860,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":83000,"hequity":7000,"nifa":1050,"net_nifa":-2800,"tfa":1050,"net_tfa":-2800,"tfa_he":4200,"tw":5013,"age":33,"inc":62808,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4300,"tfa":0,"net_tfa":-4300,"tfa_he":-4300,"tw":-300,"age":30,"inc":31086,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-4300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":449,"net_nifa":-11551,"tfa":449,"net_tfa":-11551,"tfa_he":-11551,"tw":-8976,"age":39,"inc":21603,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-11551,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":33,"inc":20400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":9700,"hequity":15300,"nifa":350,"net_nifa":-2316,"tfa":350,"net_tfa":-2316,"tfa_he":12984,"tw":12984,"age":26,"inc":24621,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-2316,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-1600,"tfa":750,"net_tfa":-1600,"tfa_he":-1600,"tw":900,"age":29,"inc":33381,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":139191,"hmort":139191,"hequity":0,"nifa":125,"net_nifa":-4888,"tfa":125,"net_tfa":-4888,"tfa_he":-4888,"tw":1287,"age":56,"inc":23394,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-4888,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8460,"a401":0,"hval":145000,"hmort":120000,"hequity":25000,"nifa":5298,"net_nifa":5298,"tfa":13758,"net_tfa":13758,"tfa_he":38758,"tw":38758,"age":39,"inc":37710,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":13758,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":25,"inc":15462,"fsize":2,"educ":11,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11816,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":5000,"hequity":7000,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":7150,"tw":8350,"age":58,"inc":9150,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":150,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-605,"tfa":0,"net_tfa":-605,"tfa_he":-605,"tw":-605,"age":50,"inc":31659,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-605,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16700,"net_nifa":16610,"tfa":16700,"net_tfa":16610,"tfa_he":16610,"tw":27789,"age":54,"inc":33267,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":16610,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":41000,"hmort":37000,"hequity":4000,"nifa":2400,"net_nifa":-2400,"tfa":2400,"net_tfa":-2400,"tfa_he":1600,"tw":41200,"age":35,"inc":47676,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":20000,"hequity":20000,"nifa":302,"net_nifa":-1398,"tfa":302,"net_tfa":-1398,"tfa_he":18602,"tw":18602,"age":28,"inc":43596,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-1398,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":40000,"hequity":210000,"nifa":1799,"net_nifa":-5201,"tfa":1799,"net_tfa":-5201,"tfa_he":204799,"tw":204799,"age":27,"inc":19290,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-5201,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":16000,"hequity":49000,"nifa":26,"net_nifa":-5774,"tfa":26,"net_tfa":-5774,"tfa_he":43226,"tw":44126,"age":44,"inc":12501,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-5774,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":730,"net_nifa":-4400,"tfa":730,"net_tfa":-4400,"tfa_he":15600,"tw":16966,"age":36,"inc":18138,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-4400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":10,"age":34,"inc":27006,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":10,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":293,"tfa":1500,"net_tfa":293,"tfa_he":293,"tw":293,"age":30,"inc":32931,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":293,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":70000,"hmort":28000,"hequity":42000,"nifa":65598,"net_nifa":65598,"tfa":72598,"net_tfa":72598,"tfa_he":114598,"tw":114598,"age":60,"inc":38361,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":72598,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":28,"inc":15774,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":100,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2600,"net_tfa":2600,"tfa_he":2600,"tw":3100,"age":50,"inc":18456,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":2600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":50000,"hequity":200000,"nifa":2900,"net_nifa":2100,"tfa":2900,"net_tfa":2100,"tfa_he":202100,"tw":202100,"age":61,"inc":22341,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-6000,"tfa":2000,"net_tfa":-6000,"tfa_he":-6000,"tw":61000,"age":42,"inc":30000,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-6000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":31,"net_nifa":-3969,"tfa":31,"net_tfa":-3969,"tfa_he":-3969,"tw":-3170,"age":42,"inc":25281,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3969,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":33750,"hequity":46250,"nifa":5151,"net_nifa":4701,"tfa":5151,"net_tfa":4701,"tfa_he":50951,"tw":56193,"age":52,"inc":20700,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":4701,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7760,"net_nifa":-30240,"tfa":7760,"net_tfa":-30240,"tfa_he":-30240,"tw":7560,"age":25,"inc":85380,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.45726,"net_n401":-30240,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1400,"a401":0,"hval":55000,"hmort":26000,"hequity":29000,"nifa":23587,"net_nifa":20737,"tfa":24987,"net_tfa":22137,"tfa_he":51137,"tw":51137,"age":39,"inc":39105,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":22137,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":15000,"hequity":95000,"nifa":2350,"net_nifa":1950,"tfa":2350,"net_tfa":1950,"tfa_he":96950,"tw":103950,"age":52,"inc":47700,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":1950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":60000,"hequity":40000,"nifa":13798,"net_nifa":13798,"tfa":13798,"net_tfa":13798,"tfa_he":53798,"tw":54062,"age":38,"inc":40602,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":13798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1750,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":95000,"net_nifa":94400,"tfa":96750,"net_tfa":96150,"tfa_he":96150,"tw":98629,"age":57,"inc":22317,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2062,"net_n401":96150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":25000,"a401":0,"hval":100000,"hmort":40000,"hequity":60000,"nifa":21000,"net_nifa":20700,"tfa":46000,"net_tfa":45700,"tfa_he":105700,"tw":155700,"age":54,"inc":49080,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":45700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":0,"hval":73000,"hmort":23200,"hequity":49800,"nifa":1899,"net_nifa":-3901,"tfa":96899,"net_tfa":91099,"tfa_he":140899,"tw":225096,"age":61,"inc":39645,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":31099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":15450,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":25000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":22000,"age":36,"inc":40800,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2748,"net_nifa":-3647,"tfa":2748,"net_tfa":-3647,"tfa_he":-3647,"tw":906,"age":25,"inc":37371,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3647,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":47000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":10000,"age":30,"inc":17481,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-100,"tfa":0,"net_tfa":-100,"tfa_he":49900,"tw":52900,"age":62,"inc":41172,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1110,"net_nifa":-31190,"tfa":1710,"net_tfa":-30590,"tfa_he":-30590,"tw":-18590,"age":35,"inc":55770,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":-30590,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":30600,"hequity":34400,"nifa":139999,"net_nifa":74999,"tfa":139999,"net_tfa":74999,"tfa_he":109399,"tw":112399,"age":50,"inc":18186,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":74999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":43900,"hequity":23100,"nifa":950,"net_nifa":-50,"tfa":950,"net_tfa":-50,"tfa_he":23050,"tw":25050,"age":52,"inc":44400,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-2700,"tfa":300,"net_tfa":-2700,"tfa_he":-2700,"tw":-2700,"age":28,"inc":33984,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-2700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":44,"inc":6792,"fsize":3,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2658,"net_nifa":-762,"tfa":2658,"net_tfa":-762,"tfa_he":-762,"tw":5000,"age":33,"inc":35757,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-762,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":27,"inc":32880,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":21000,"hequity":22000,"nifa":250,"net_nifa":-2750,"tfa":250,"net_tfa":-2750,"tfa_he":19250,"tw":19250,"age":60,"inc":33987,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":98000,"hequity":62000,"nifa":1500,"net_nifa":-3500,"tfa":1500,"net_tfa":-3500,"tfa_he":58500,"tw":74500,"age":32,"inc":46998,"fsize":7,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-15000,"tfa":0,"net_tfa":-15000,"tfa_he":-15000,"tw":-4321,"age":26,"inc":97998,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":-15000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80200,"net_nifa":80200,"tfa":82200,"net_tfa":82200,"tfa_he":82200,"tw":82200,"age":25,"inc":28209,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":82200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":399,"tfa":399,"net_tfa":399,"tfa_he":399,"tw":8995,"age":29,"inc":43374,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":399,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8461,"age":32,"inc":13590,"fsize":4,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-8400,"tfa":600,"net_tfa":-8400,"tfa_he":-8400,"tw":-3600,"age":33,"inc":31392,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-8400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":113000,"hmort":99000,"hequity":14000,"nifa":725,"net_nifa":-17975,"tfa":725,"net_tfa":-17975,"tfa_he":-3975,"tw":5525,"age":26,"inc":59199,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-17975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":62000,"hequity":33000,"nifa":37999,"net_nifa":37999,"tfa":37999,"net_tfa":37999,"tfa_he":70999,"tw":80999,"age":50,"inc":62130,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":37999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-18700,"tfa":100,"net_tfa":-18700,"tfa_he":-18700,"tw":-18125,"age":47,"inc":27150,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-18700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":33000,"hequity":22000,"nifa":272,"net_nifa":-788,"tfa":272,"net_tfa":-788,"tfa_he":21212,"tw":24562,"age":31,"inc":16020,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-788,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":75000,"hequity":5000,"nifa":1000,"net_nifa":-3000,"tfa":1000,"net_tfa":-3000,"tfa_he":2000,"tw":2000,"age":34,"inc":46053,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-1400,"tfa":600,"net_tfa":-1400,"tfa_he":-1400,"tw":7338,"age":32,"inc":32064,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":39,"inc":20400,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":36000,"hequity":34000,"nifa":500,"net_nifa":-5008,"tfa":500,"net_tfa":-5008,"tfa_he":28992,"tw":32992,"age":40,"inc":36621,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-5008,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1085,"net_nifa":-6415,"tfa":1085,"net_tfa":-6415,"tfa_he":-6415,"tw":24585,"age":31,"inc":52350,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-6415,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1600,"tfa":1800,"net_tfa":1600,"tfa_he":1600,"tw":5450,"age":33,"inc":51222,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":0,"hequity":140000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":142000,"tw":146000,"age":54,"inc":40665,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":2850,"age":56,"inc":1596,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":50,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":18081,"age":63,"inc":39174,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":410,"net_nifa":-10990,"tfa":410,"net_tfa":-10990,"tfa_he":-10990,"tw":2441,"age":26,"inc":52497,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-10990,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":167,"net_nifa":-1483,"tfa":167,"net_tfa":-1483,"tfa_he":-1483,"tw":1867,"age":36,"inc":10920,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1483,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":200,"age":29,"inc":12600,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":25000,"hequity":55000,"nifa":250,"net_nifa":-2050,"tfa":250,"net_tfa":-2050,"tfa_he":52950,"tw":53750,"age":54,"inc":45900,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":21000,"a401":0,"hval":110000,"hmort":45000,"hequity":65000,"nifa":40529,"net_nifa":38879,"tfa":61529,"net_tfa":59879,"tfa_he":124879,"tw":133004,"age":45,"inc":19998,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.13209,"net_n401":59879,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1600,"tfa":3000,"net_tfa":2600,"tfa_he":2600,"tw":2600,"age":61,"inc":34680,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":52000,"hequity":8000,"nifa":250,"net_nifa":-5750,"tfa":250,"net_tfa":-5750,"tfa_he":2250,"tw":5250,"age":57,"inc":35418,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-5750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":72499,"net_nifa":66499,"tfa":72499,"net_tfa":66499,"tfa_he":66499,"tw":69481,"age":57,"inc":104346,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":66499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":80000,"hequity":15000,"nifa":4300,"net_nifa":-5700,"tfa":4300,"net_tfa":-5700,"tfa_he":9300,"tw":9300,"age":27,"inc":64875,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-5700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":51000,"hmort":51000,"hequity":0,"nifa":1225,"net_nifa":-3775,"tfa":1225,"net_tfa":-3775,"tfa_he":-3775,"tw":14575,"age":41,"inc":32703,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-3775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":90,"tfa":90,"net_tfa":90,"tfa_he":90,"tw":5090,"age":52,"inc":23625,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":90,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":48000,"hequity":9000,"nifa":7000,"net_nifa":6100,"tfa":7000,"net_tfa":6100,"tfa_he":15100,"tw":15100,"age":26,"inc":37650,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":75000,"hmort":54000,"hequity":21000,"nifa":0,"net_nifa":0,"tfa":18000,"net_tfa":18000,"tfa_he":39000,"tw":39975,"age":41,"inc":31179,"fsize":4,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":16000,"age":27,"inc":31089,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":31,"inc":17901,"fsize":3,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1049,"net_nifa":1049,"tfa":1049,"net_tfa":1049,"tfa_he":1049,"tw":1049,"age":48,"inc":34974,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":1049,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":16000,"hequity":34000,"nifa":18033,"net_nifa":11733,"tfa":18033,"net_tfa":11733,"tfa_he":45733,"tw":63086,"age":57,"inc":43356,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":11733,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":79000,"hmort":0,"hequity":79000,"nifa":299,"net_nifa":165,"tfa":299,"net_tfa":165,"tfa_he":79165,"tw":81165,"age":28,"inc":23586,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":165,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":54,"inc":10800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":2500,"hequity":500,"nifa":3610,"net_nifa":3610,"tfa":3610,"net_tfa":3610,"tfa_he":4110,"tw":4610,"age":30,"inc":21780,"fsize":1,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":3610,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":98000,"hequity":37000,"nifa":2600,"net_nifa":2600,"tfa":2600,"net_tfa":2600,"tfa_he":39600,"tw":42550,"age":34,"inc":53760,"fsize":5,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":24000,"net_nifa":22850,"tfa":24000,"net_tfa":22850,"tfa_he":82850,"tw":83750,"age":41,"inc":26856,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":22850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":49,"tw":49,"age":52,"inc":13773,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":49,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":9342,"hequity":90658,"nifa":895,"net_nifa":-2205,"tfa":895,"net_tfa":-2205,"tfa_he":88453,"tw":106553,"age":33,"inc":42942,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2205,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":67000,"hequity":0,"nifa":799,"net_nifa":-1201,"tfa":799,"net_tfa":-1201,"tfa_he":-1201,"tw":23499,"age":51,"inc":49830,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-1201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":76000,"hequity":19000,"nifa":46500,"net_nifa":46500,"tfa":46500,"net_tfa":46500,"tfa_he":65500,"tw":69500,"age":34,"inc":40554,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":46500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":89760,"net_nifa":89760,"tfa":99760,"net_tfa":99760,"tfa_he":184760,"tw":219760,"age":62,"inc":57081,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":99760,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":10000,"hequity":35000,"nifa":525,"net_nifa":-275,"tfa":525,"net_tfa":-275,"tfa_he":34725,"tw":34725,"age":35,"inc":29910,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-275,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":37500,"hmort":0,"hequity":37500,"nifa":82497,"net_nifa":81997,"tfa":97497,"net_tfa":96997,"tfa_he":134497,"tw":134497,"age":62,"inc":19350,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":96997,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-5250,"tfa":300,"net_tfa":-5250,"tfa_he":-5250,"tw":-4550,"age":48,"inc":49656,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-5250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":23000,"a401":0,"hval":250000,"hmort":104000,"hequity":146000,"nifa":111249,"net_nifa":110249,"tfa":134249,"net_tfa":133249,"tfa_he":279249,"tw":289249,"age":54,"inc":65661,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":133249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20800,"net_nifa":20800,"tfa":20800,"net_tfa":20800,"tfa_he":20800,"tw":20800,"age":31,"inc":14760,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":20800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-10200,"tfa":1000,"net_tfa":-10200,"tfa_he":-10200,"tw":-9500,"age":26,"inc":18015,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-10200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-200,"tfa":3200,"net_tfa":1800,"tfa_he":1800,"tw":6466,"age":52,"inc":17625,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.10579,"net_n401":1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":12150,"age":38,"inc":10443,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":0,"hval":80000,"hmort":57500,"hequity":22500,"nifa":6004,"net_nifa":2904,"tfa":8804,"net_tfa":5704,"tfa_he":28204,"tw":28204,"age":41,"inc":61353,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":5704,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-473,"tfa":0,"net_tfa":-473,"tfa_he":-473,"tw":27,"age":31,"inc":9024,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-473,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":83400,"net_nifa":80400,"tfa":83400,"net_tfa":80400,"tfa_he":80400,"tw":83400,"age":42,"inc":37200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":80400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":462000,"net_nifa":462000,"tfa":502000,"net_tfa":502000,"tfa_he":652000,"tw":664000,"age":48,"inc":112989,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":502000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":58600,"a401":0,"hval":147150,"hmort":147150,"hequity":0,"nifa":3929,"net_nifa":3929,"tfa":62529,"net_tfa":62529,"tfa_he":62529,"tw":70538,"age":46,"inc":132492,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":62529,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":175000,"hmort":100000,"hequity":75000,"nifa":22998,"net_nifa":22878,"tfa":37998,"net_tfa":37878,"tfa_he":112878,"tw":116478,"age":52,"inc":108870,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37878,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":55000,"hmort":40000,"hequity":15000,"nifa":620,"net_nifa":-9530,"tfa":8620,"net_tfa":-1530,"tfa_he":13470,"tw":20470,"age":42,"inc":75036,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-1530,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":55000,"hequity":20000,"nifa":1349,"net_nifa":-5551,"tfa":1349,"net_tfa":-5551,"tfa_he":14449,"tw":17999,"age":32,"inc":24666,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-5551,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":66700,"hequity":300,"nifa":5406,"net_nifa":4206,"tfa":5406,"net_tfa":4206,"tfa_he":4506,"tw":4506,"age":27,"inc":47376,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":4206,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-100,"tfa":1500,"net_tfa":-100,"tfa_he":-100,"tw":2400,"age":31,"inc":10350,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":178000,"net_nifa":178000,"tfa":185500,"net_tfa":185500,"tfa_he":225500,"tw":495500,"age":51,"inc":65220,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":185500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":62500,"hequity":5500,"nifa":5400,"net_nifa":5400,"tfa":5400,"net_tfa":5400,"tfa_he":10900,"tw":19250,"age":30,"inc":44982,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":236700,"net_nifa":235900,"tfa":249200,"net_tfa":248400,"tfa_he":248400,"tw":248400,"age":57,"inc":45015,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":248400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":20000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":600,"net_nifa":600,"tfa":20600,"net_tfa":20600,"tfa_he":100600,"tw":100600,"age":61,"inc":68220,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":20600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":40000,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":1399,"net_nifa":199,"tfa":41399,"net_tfa":40199,"tfa_he":155199,"tw":158199,"age":55,"inc":39975,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":40199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3861,"tfa":0,"net_tfa":-3861,"tfa_he":-3861,"tw":-3361,"age":58,"inc":11736,"fsize":3,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-3861,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14237,"a401":0,"hval":180000,"hmort":72000,"hequity":108000,"nifa":136264,"net_nifa":130764,"tfa":150501,"net_tfa":145001,"tfa_he":253001,"tw":266501,"age":58,"inc":15465,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":145001,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":65000,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":45,"inc":17076,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":51000,"net_nifa":47000,"tfa":51000,"net_tfa":47000,"tfa_he":247000,"tw":247000,"age":39,"inc":59400,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":47000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":57000,"hequity":3000,"nifa":1000,"net_nifa":-1000,"tfa":1000,"net_tfa":-1000,"tfa_he":2000,"tw":5850,"age":40,"inc":21630,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":75000,"hequity":125000,"nifa":2571,"net_nifa":2491,"tfa":2571,"net_tfa":2491,"tfa_he":127491,"tw":127491,"age":54,"inc":20703,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":2491,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":90,"tfa":90,"net_tfa":90,"tfa_he":90,"tw":90,"age":40,"inc":20940,"fsize":7,"educ":3,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":90,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":34000,"hequity":216000,"nifa":120,"net_nifa":120,"tfa":120,"net_tfa":120,"tfa_he":216120,"tw":217120,"age":50,"inc":10902,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":120,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":1099,"net_nifa":-58901,"tfa":1099,"net_tfa":-58901,"tfa_he":-43901,"tw":-38901,"age":26,"inc":17700,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-58901,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-1060,"tfa":750,"net_tfa":-1060,"tfa_he":-1060,"tw":-1060,"age":41,"inc":25944,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-1060,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":32500,"hequity":97500,"nifa":1800,"net_nifa":-4640,"tfa":1800,"net_tfa":-4640,"tfa_he":92860,"tw":92860,"age":47,"inc":49176,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4640,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":505,"net_nifa":-15495,"tfa":505,"net_tfa":-15495,"tfa_he":-15495,"tw":-6495,"age":42,"inc":17856,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-15495,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4774,"a401":0,"hval":230000,"hmort":44000,"hequity":186000,"nifa":29433,"net_nifa":29338,"tfa":34207,"net_tfa":34112,"tfa_he":220112,"tw":239112,"age":57,"inc":67098,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":34112,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":-900,"tw":14100,"age":32,"inc":24000,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":80000,"net_nifa":80000,"tfa":120000,"net_tfa":120000,"tfa_he":245000,"tw":246000,"age":60,"inc":14244,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":120000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7950,"a401":0,"hval":53000,"hmort":33900,"hequity":19100,"nifa":10900,"net_nifa":2100,"tfa":18850,"net_tfa":10050,"tfa_he":29150,"tw":29150,"age":40,"inc":60498,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":10050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":230000,"hmort":30000,"hequity":200000,"nifa":60000,"net_nifa":59500,"tfa":127000,"net_tfa":126500,"tfa_he":326500,"tw":328600,"age":51,"inc":62580,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":99500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1850,"net_nifa":1690,"tfa":1850,"net_tfa":1690,"tfa_he":1690,"tw":6265,"age":35,"inc":22140,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1690,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":33750,"hequity":41250,"nifa":25,"net_nifa":-2225,"tfa":25,"net_tfa":-2225,"tfa_he":39025,"tw":39025,"age":60,"inc":22440,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2225,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5049,"net_nifa":5049,"tfa":5049,"net_tfa":5049,"tfa_he":5049,"tw":5049,"age":46,"inc":14196,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":5049,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":99000,"hmort":0,"hequity":99000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":99500,"tw":101850,"age":25,"inc":8889,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":18306,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":50,"inc":13740,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":45,"net_nifa":-5530,"tfa":45,"net_tfa":-5530,"tfa_he":-5530,"tw":-5030,"age":44,"inc":9858,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-5530,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":106000,"hmort":84000,"hequity":22000,"nifa":300,"net_nifa":-3700,"tfa":300,"net_tfa":-3700,"tfa_he":18300,"tw":30718,"age":49,"inc":60000,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":31000,"hequity":19000,"nifa":455,"net_nifa":-745,"tfa":455,"net_tfa":-745,"tfa_he":18255,"tw":24255,"age":29,"inc":44511,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-745,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-18294,"tfa":6,"net_tfa":-18294,"tfa_he":-18294,"tw":-15294,"age":33,"inc":15300,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-18294,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":3955,"tfa":13000,"net_tfa":11955,"tfa_he":11955,"tw":14455,"age":34,"inc":17352,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":11955,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":1992,"net_nifa":1792,"tfa":1992,"net_tfa":1792,"tfa_he":1792,"tw":27292,"age":47,"inc":21240,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":1792,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":15900,"net_nifa":15801,"tfa":15900,"net_tfa":15801,"tfa_he":90801,"tw":93001,"age":62,"inc":13317,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":15801,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14667,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11648,"net_nifa":2648,"tfa":26315,"net_tfa":17315,"tfa_he":17315,"tw":32915,"age":29,"inc":34773,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":17315,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":1596,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":77000,"hequity":8000,"nifa":78449,"net_nifa":51299,"tfa":78449,"net_tfa":51299,"tfa_he":59299,"tw":165799,"age":43,"inc":85575,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":51299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21000,"net_nifa":21000,"tfa":25000,"net_tfa":25000,"tfa_he":25000,"tw":31250,"age":44,"inc":30408,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.29063,"net_n401":25000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":72000,"hequity":63000,"nifa":1733,"net_nifa":1733,"tfa":1733,"net_tfa":1733,"tfa_he":64733,"tw":76204,"age":54,"inc":51654,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1733,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":32500,"hmort":32500,"hequity":0,"nifa":420,"net_nifa":-1580,"tfa":420,"net_tfa":-1580,"tfa_he":-1580,"tw":6120,"age":47,"inc":53856,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-1580,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":130,"net_nifa":-3570,"tfa":130,"net_tfa":-3570,"tfa_he":430,"tw":430,"age":49,"inc":3840,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":-3570,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19000,"net_nifa":10000,"tfa":20500,"net_tfa":11500,"tfa_he":11500,"tw":27500,"age":37,"inc":99159,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":11500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":0,"hequity":72000,"nifa":1500,"net_nifa":-4800,"tfa":1500,"net_tfa":-4800,"tfa_he":67200,"tw":67200,"age":35,"inc":47922,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-4800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":15000,"hequity":285000,"nifa":11997,"net_nifa":11997,"tfa":11997,"net_tfa":11997,"tfa_he":296997,"tw":306997,"age":51,"inc":30456,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":11997,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":100000,"hequity":110000,"nifa":6000,"net_nifa":5000,"tfa":6000,"net_tfa":5000,"tfa_he":115000,"tw":125000,"age":32,"inc":54948,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":78000,"hequity":52000,"nifa":5982,"net_nifa":-2308,"tfa":5982,"net_tfa":-2308,"tfa_he":49692,"tw":49692,"age":40,"inc":29700,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":-2308,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":1500,"hequity":3500,"nifa":13,"net_nifa":13,"tfa":13,"net_tfa":13,"tfa_he":3513,"tw":7213,"age":34,"inc":15876,"fsize":8,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":13,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":5000,"net_nifa":1264,"tfa":5000,"net_tfa":1264,"tfa_he":9264,"tw":9764,"age":37,"inc":8268,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":1264,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":110000,"hequity":40000,"nifa":900,"net_nifa":-2600,"tfa":900,"net_tfa":-2600,"tfa_he":37400,"tw":229900,"age":46,"inc":59736,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":318,"net_nifa":318,"tfa":318,"net_tfa":318,"tfa_he":318,"tw":318,"age":42,"inc":36840,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":318,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6005,"net_nifa":6005,"tfa":6005,"net_tfa":6005,"tfa_he":6005,"tw":10255,"age":29,"inc":21660,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":6005,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":28512,"a401":0,"hval":89000,"hmort":0,"hequity":89000,"nifa":178500,"net_nifa":178500,"tfa":207012,"net_tfa":207012,"tfa_he":296012,"tw":296012,"age":60,"inc":56712,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":207012,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":145000,"hmort":47000,"hequity":98000,"nifa":79999,"net_nifa":79999,"tfa":79999,"net_tfa":79999,"tfa_he":177999,"tw":179499,"age":45,"inc":66000,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":79999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":20000,"hequity":280000,"nifa":10747,"net_nifa":10747,"tfa":10747,"net_tfa":10747,"tfa_he":290747,"tw":290747,"age":43,"inc":33288,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":10747,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":58,"inc":11433,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":37000,"hequity":83000,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":87000,"tw":99500,"age":44,"inc":36720,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1700,"tfa":0,"net_tfa":-1700,"tfa_he":-1700,"tw":1250,"age":41,"inc":17100,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32300,"hequity":27700,"nifa":8406,"net_nifa":3738,"tfa":8406,"net_tfa":3738,"tfa_he":31438,"tw":34106,"age":54,"inc":26520,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":3738,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":0,"hval":225000,"hmort":100250,"hequity":124750,"nifa":10400,"net_nifa":10100,"tfa":13400,"net_tfa":13100,"tfa_he":137850,"tw":137850,"age":33,"inc":72582,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":13100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":945,"net_nifa":-11055,"tfa":945,"net_tfa":-11055,"tfa_he":-11055,"tw":-2356,"age":42,"inc":55041,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-11055,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":130000,"hmort":80000,"hequity":50000,"nifa":20000,"net_nifa":20000,"tfa":35000,"net_tfa":35000,"tfa_he":85000,"tw":183000,"age":56,"inc":23700,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":35000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":20148,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4410,"tfa":4500,"net_tfa":4410,"tfa_he":4410,"tw":11871,"age":26,"inc":11625,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":4410,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":165000,"hmort":100000,"hequity":65000,"nifa":3200,"net_nifa":2300,"tfa":4200,"net_tfa":3300,"tfa_he":68300,"tw":84300,"age":41,"inc":49356,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1100,"tfa":0,"net_tfa":-1100,"tfa_he":-1100,"tw":1400,"age":28,"inc":12306,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-2900,"tfa":100,"net_tfa":-2900,"tfa_he":-2900,"tw":-1835,"age":49,"inc":29814,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-2900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":175000,"hmort":40000,"hequity":135000,"nifa":5000,"net_nifa":3500,"tfa":18000,"net_tfa":16500,"tfa_he":151500,"tw":156500,"age":59,"inc":39681,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":16500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":0,"age":36,"inc":20400,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":16506,"net_nifa":16175,"tfa":16506,"net_tfa":16175,"tfa_he":86175,"tw":86175,"age":60,"inc":14190,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":16175,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":60000,"hequity":80000,"nifa":4500,"net_nifa":3500,"tfa":4500,"net_tfa":3500,"tfa_he":83500,"tw":83885,"age":42,"inc":41316,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":450,"tfa":450,"net_tfa":450,"tfa_he":450,"tw":9450,"age":52,"inc":7200,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":450,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4500,"a401":0,"hval":90000,"hmort":72500,"hequity":17500,"nifa":33500,"net_nifa":33500,"tfa":38000,"net_tfa":38000,"tfa_he":55500,"tw":73000,"age":39,"inc":99345,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.43735,"net_n401":38000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-2000,"tfa":1000,"net_tfa":-2000,"tfa_he":-2000,"tw":-300,"age":29,"inc":22539,"fsize":4,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":33000,"net_nifa":33000,"tfa":33000,"net_tfa":33000,"tfa_he":63000,"tw":68075,"age":54,"inc":19770,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":33000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":49,"inc":18900,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":57500,"hmort":57500,"hequity":0,"nifa":8500,"net_nifa":4100,"tfa":8500,"net_tfa":4100,"tfa_he":4100,"tw":11100,"age":41,"inc":42264,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":4100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4700,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":-700,"tfa":7000,"net_tfa":4000,"tfa_he":4000,"tw":12000,"age":31,"inc":27708,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2062,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50038,"net_nifa":49538,"tfa":50038,"net_tfa":49538,"tfa_he":49538,"tw":54238,"age":42,"inc":15000,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":49538,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4447,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":4447,"net_tfa":4447,"tfa_he":4447,"tw":4447,"age":53,"inc":3780,"fsize":1,"educ":4,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.22468,"net_n401":4447,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":199,"tfa":199,"net_tfa":199,"tfa_he":199,"tw":1699,"age":33,"inc":10140,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":199,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":700,"tfa":1900,"net_tfa":700,"tfa_he":700,"tw":26700,"age":46,"inc":34938,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":8000,"hequity":87000,"nifa":609,"net_nifa":-14091,"tfa":609,"net_tfa":-14091,"tfa_he":72909,"tw":72909,"age":39,"inc":48138,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-14091,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":70000,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":30,"inc":42315,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":9180,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":0,"net_nifa":0,"tfa":4000,"net_tfa":4000,"tfa_he":134000,"tw":160500,"age":55,"inc":39216,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":24350,"hequity":30650,"nifa":10000,"net_nifa":9800,"tfa":10000,"net_tfa":9800,"tfa_he":40450,"tw":45475,"age":50,"inc":28650,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":9800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":0,"hequity":170000,"nifa":17899,"net_nifa":17899,"tfa":17899,"net_tfa":17899,"tfa_he":187899,"tw":187899,"age":52,"inc":72672,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":17899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":40657,"net_nifa":40607,"tfa":72657,"net_tfa":72607,"tfa_he":102607,"tw":304234,"age":55,"inc":36552,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":72607,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":28,"inc":23388,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-2800,"tfa":1200,"net_tfa":-2800,"tfa_he":-2800,"tw":3025,"age":38,"inc":51354,"fsize":4,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":-2800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":42000,"hequity":10000,"nifa":3300,"net_nifa":-1200,"tfa":3300,"net_tfa":-1200,"tfa_he":8800,"tw":24800,"age":33,"inc":58428,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":27,"inc":36393,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":50000,"hequity":0,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":-1500,"tw":-1500,"age":42,"inc":28800,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":36000,"hequity":214000,"nifa":1698,"net_nifa":-1302,"tfa":1698,"net_tfa":-1302,"tfa_he":212698,"tw":366698,"age":36,"inc":28476,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-1302,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":36,"inc":19407,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4600,"net_nifa":1586,"tfa":4600,"net_tfa":1586,"tfa_he":1586,"tw":8586,"age":37,"inc":25134,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":1586,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":71900,"hequity":38100,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":38250,"tw":40916,"age":40,"inc":50742,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":5999,"net_tfa":5999,"tfa_he":5999,"tw":15499,"age":31,"inc":14460,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":5999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2100,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":100498,"net_nifa":100498,"tfa":102598,"net_tfa":102598,"tfa_he":122598,"tw":130673,"age":48,"inc":17550,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":102598,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":25000,"hequity":60000,"nifa":11700,"net_nifa":11700,"tfa":11700,"net_tfa":11700,"tfa_he":71700,"tw":75050,"age":46,"inc":30492,"fsize":4,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.38664,"net_n401":11700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2249,"net_nifa":1399,"tfa":2249,"net_tfa":1399,"tfa_he":1399,"tw":7399,"age":31,"inc":53841,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":1399,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-250,"tfa":0,"net_tfa":-250,"tfa_he":-250,"tw":-250,"age":32,"inc":7152,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":-250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":19500,"hequity":10500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10500,"tw":20500,"age":49,"inc":16812,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":13000,"tfa":21000,"net_tfa":21000,"tfa_he":21000,"tw":29463,"age":34,"inc":39210,"fsize":2,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":21000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":1687,"net_nifa":1687,"tfa":9687,"net_tfa":9687,"tfa_he":59687,"tw":70387,"age":31,"inc":25254,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":9687,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":20,"age":33,"inc":21228,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":20,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":170000,"hmort":100000,"hequity":70000,"nifa":80496,"net_nifa":80496,"tfa":87996,"net_tfa":87996,"tfa_he":157996,"tw":288996,"age":49,"inc":79023,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":87996,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":900,"age":32,"inc":7680,"fsize":4,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":-600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":9042,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":-7001,"tfa":1999,"net_tfa":-7001,"tfa_he":-7001,"tw":-5501,"age":36,"inc":29220,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-7001,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":-2500,"age":34,"inc":27294,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":-2500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":100000,"hequity":0,"nifa":4300,"net_nifa":4300,"tfa":4300,"net_tfa":4300,"tfa_he":4300,"tw":4300,"age":41,"inc":31560,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":100000,"age":26,"inc":8160,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":126400,"hequity":43600,"nifa":2100,"net_nifa":1600,"tfa":2100,"net_tfa":1600,"tfa_he":45200,"tw":53200,"age":27,"inc":74970,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":21000,"hequity":9000,"nifa":0,"net_nifa":-960,"tfa":0,"net_tfa":-960,"tfa_he":8040,"tw":8040,"age":39,"inc":7200,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.375,"net_n401":-960,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1299,"net_nifa":-301,"tfa":1299,"net_tfa":-301,"tfa_he":-301,"tw":3032,"age":46,"inc":47403,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-301,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":260000,"hmort":150000,"hequity":110000,"nifa":999,"net_nifa":-6501,"tfa":999,"net_tfa":-6501,"tfa_he":103499,"tw":103499,"age":47,"inc":33780,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-6501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":386,"net_nifa":-476,"tfa":386,"net_tfa":-476,"tfa_he":-476,"tw":24,"age":30,"inc":11703,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-476,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":120000,"hmort":15000,"hequity":105000,"nifa":28200,"net_nifa":28200,"tfa":40200,"net_tfa":40200,"tfa_he":145200,"tw":147200,"age":35,"inc":39480,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":40200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10899,"net_nifa":7899,"tfa":10899,"net_tfa":7899,"tfa_he":7899,"tw":11624,"age":60,"inc":29424,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":7899,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":500,"tfa":1000,"net_tfa":500,"tfa_he":500,"tw":102500,"age":31,"inc":40860,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":100,"tfa":700,"net_tfa":100,"tfa_he":100,"tw":1950,"age":40,"inc":23538,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":39900,"hequity":56100,"nifa":1479,"net_nifa":-1021,"tfa":1479,"net_tfa":-1021,"tfa_he":55079,"tw":55079,"age":41,"inc":57795,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-1021,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":4000,"tw":7550,"age":35,"inc":12240,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":7300,"net_nifa":5425,"tfa":13300,"net_tfa":11425,"tfa_he":61425,"tw":68925,"age":27,"inc":36639,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":11425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":64,"inc":11775,"fsize":3,"educ":7,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":1099,"net_nifa":1099,"tfa":1099,"net_tfa":1099,"tfa_he":36099,"tw":36099,"age":59,"inc":35241,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":1099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":78219,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":61500,"net_nifa":60630,"tfa":139719,"net_tfa":138849,"tfa_he":288849,"tw":288849,"age":58,"inc":34755,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":138849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":36560,"a401":0,"hval":65000,"hmort":14500,"hequity":50500,"nifa":106624,"net_nifa":106624,"tfa":143184,"net_tfa":143184,"tfa_he":193684,"tw":193684,"age":63,"inc":42909,"fsize":2,"educ":8,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.71967,"net_n401":143184,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-661,"tfa":0,"net_tfa":-661,"tfa_he":-661,"tw":-661,"age":57,"inc":18132,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-661,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":13000,"hmort":13000,"hequity":0,"nifa":0,"net_nifa":-70,"tfa":0,"net_tfa":-70,"tfa_he":-70,"tw":1780,"age":33,"inc":16320,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-70,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":1833,"age":41,"inc":16200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4357,"net_nifa":-2643,"tfa":4357,"net_tfa":-2643,"tfa_he":-2643,"tw":19257,"age":36,"inc":38061,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2643,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":115000,"hmort":88000,"hequity":27000,"nifa":8000,"net_nifa":8000,"tfa":15000,"net_tfa":15000,"tfa_he":42000,"tw":49500,"age":33,"inc":50751,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":236,"net_nifa":-2264,"tfa":236,"net_tfa":-2264,"tfa_he":-2264,"tw":-2264,"age":41,"inc":9561,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-2264,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":28000,"net_nifa":28000,"tfa":28000,"net_tfa":28000,"tfa_he":28000,"tw":31333,"age":40,"inc":29220,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":28000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2150,"a401":0,"hval":31000,"hmort":8300,"hequity":22700,"nifa":875,"net_nifa":75,"tfa":3025,"net_tfa":2225,"tfa_he":24925,"tw":24925,"age":60,"inc":22986,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2225,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":100,"tfa":1600,"net_tfa":100,"tfa_he":100,"tw":600,"age":30,"inc":13005,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":300,"tfa":2800,"net_tfa":300,"tfa_he":300,"tw":300,"age":28,"inc":33906,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8503,"net_nifa":1003,"tfa":8503,"net_tfa":1003,"tfa_he":1003,"tw":9464,"age":40,"inc":23988,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":1003,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":66000,"hequity":124000,"nifa":1000,"net_nifa":800,"tfa":1000,"net_tfa":800,"tfa_he":124800,"tw":133800,"age":35,"inc":51900,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-100,"tfa":500,"net_tfa":-100,"tfa_he":-100,"tw":1642,"age":25,"inc":14178,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":16608,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1100,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-2000,"tfa":4100,"net_tfa":-900,"tfa_he":-900,"tw":966,"age":34,"inc":36993,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":17952,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":11202,"fsize":2,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":15000,"hequity":40000,"nifa":300,"net_nifa":-15500,"tfa":300,"net_tfa":-15500,"tfa_he":24500,"tw":35500,"age":48,"inc":20592,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-15500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2900,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2499,"net_nifa":2499,"tfa":5399,"net_tfa":5399,"tfa_he":5399,"tw":7399,"age":31,"inc":13479,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":5399,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-75,"tfa":75,"net_tfa":-75,"tfa_he":-75,"tw":2000,"age":33,"inc":7800,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-75,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":2300,"age":26,"inc":4164,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":12240,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5900,"net_nifa":-1900,"tfa":5900,"net_tfa":-1900,"tfa_he":-1900,"tw":33100,"age":52,"inc":22995,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":0,"hval":100000,"hmort":34500,"hequity":65500,"nifa":67676,"net_nifa":67676,"tfa":102676,"net_tfa":102676,"tfa_he":168176,"tw":168176,"age":53,"inc":64158,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":102676,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2449,"net_nifa":1149,"tfa":2449,"net_tfa":1149,"tfa_he":1149,"tw":7649,"age":34,"inc":29850,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":1149,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":16500,"hequity":13500,"nifa":299,"net_nifa":-15051,"tfa":299,"net_tfa":-15051,"tfa_he":-1551,"tw":-1551,"age":48,"inc":29964,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-15051,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":16000,"hequity":4000,"nifa":0,"net_nifa":-570,"tfa":0,"net_tfa":-570,"tfa_he":3430,"tw":3430,"age":38,"inc":17781,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-570,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":0,"hequity":46000,"nifa":15600,"net_nifa":13600,"tfa":15600,"net_tfa":13600,"tfa_he":59600,"tw":60100,"age":30,"inc":17160,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":13600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":65500,"hequity":9500,"nifa":475,"net_nifa":-4757,"tfa":475,"net_tfa":-4757,"tfa_he":4743,"tw":19743,"age":33,"inc":41130,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4757,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":599,"net_nifa":599,"tfa":15599,"net_tfa":15599,"tfa_he":15599,"tw":16099,"age":61,"inc":19278,"fsize":1,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.32681,"net_n401":15599,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":-295,"tfa":325,"net_tfa":-295,"tfa_he":-295,"tw":-195,"age":42,"inc":12213,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-295,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":28000,"hequity":37000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":37999,"tw":37999,"age":42,"inc":28503,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":600,"age":30,"inc":7884,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":66000,"hequity":24000,"nifa":31570,"net_nifa":30570,"tfa":31570,"net_tfa":30570,"tfa_he":54570,"tw":59492,"age":35,"inc":40224,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":30570,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":54000,"hequity":6000,"nifa":10000,"net_nifa":10000,"tfa":10000,"net_tfa":10000,"tfa_he":16000,"tw":16000,"age":28,"inc":51117,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":0,"hval":125000,"hmort":25000,"hequity":100000,"nifa":37400,"net_nifa":37400,"tfa":60400,"net_tfa":60400,"tfa_he":160400,"tw":167749,"age":64,"inc":31254,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":60400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":37000,"hequity":43000,"nifa":41219,"net_nifa":31169,"tfa":41219,"net_tfa":31169,"tfa_he":74169,"tw":74169,"age":36,"inc":82575,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":31169,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":54999,"net_nifa":54869,"tfa":54999,"net_tfa":54869,"tfa_he":304869,"tw":314869,"age":49,"inc":18729,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":54869,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-300,"tfa":200,"net_tfa":-300,"tfa_he":-300,"tw":700,"age":40,"inc":24795,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":3300,"age":47,"inc":21813,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":2000,"net_nifa":500,"tfa":2000,"net_tfa":500,"tfa_he":45500,"tw":45500,"age":60,"inc":2550,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-200,"tfa":800,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":31,"inc":19056,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":49,"tfa":249,"net_tfa":49,"tfa_he":49,"tw":4574,"age":25,"inc":14781,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":49,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":100000,"hequity":50000,"nifa":10000,"net_nifa":500,"tfa":10000,"net_tfa":500,"tfa_he":50500,"tw":50500,"age":30,"inc":89550,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":35000,"hequity":20000,"nifa":1300,"net_nifa":500,"tfa":1300,"net_tfa":500,"tfa_he":20500,"tw":20500,"age":46,"inc":25350,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":10200,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":4056,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36500,"hequity":8500,"nifa":1800,"net_nifa":-8200,"tfa":1800,"net_tfa":-8200,"tfa_he":300,"tw":3300,"age":54,"inc":35754,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-8200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":75000,"hmort":7500,"hequity":67500,"nifa":11000,"net_nifa":9100,"tfa":26000,"net_tfa":24100,"tfa_he":91600,"tw":109400,"age":40,"inc":24660,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":24100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":29900,"hequity":70100,"nifa":3000,"net_nifa":-3300,"tfa":3000,"net_tfa":-3300,"tfa_he":66800,"tw":66800,"age":57,"inc":37569,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":1571,"net_nifa":-1829,"tfa":1571,"net_tfa":-1829,"tfa_he":23171,"tw":53170,"age":60,"inc":25005,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1829,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":38500,"hequity":51500,"nifa":2099,"net_nifa":-6901,"tfa":2099,"net_tfa":-6901,"tfa_he":44599,"tw":52341,"age":37,"inc":38112,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-6901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":145000,"hequity":15000,"nifa":113,"net_nifa":-32887,"tfa":113,"net_tfa":-32887,"tfa_he":-17887,"tw":-15587,"age":35,"inc":57156,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-32887,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":5300,"net_nifa":1800,"tfa":5300,"net_tfa":1800,"tfa_he":76800,"tw":76800,"age":52,"inc":19050,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":15000,"hequity":65000,"nifa":1500,"net_nifa":-18500,"tfa":1500,"net_tfa":-18500,"tfa_he":46500,"tw":47000,"age":56,"inc":12024,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-18500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":24500,"age":43,"inc":31254,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1275,"net_nifa":-16725,"tfa":1275,"net_tfa":-16725,"tfa_he":-16725,"tw":33275,"age":48,"inc":37416,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-16725,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":75000,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":120000,"net_nifa":120000,"tfa":195000,"net_tfa":195000,"tfa_he":320000,"tw":421000,"age":61,"inc":55446,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":195000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":4050,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-16200,"tfa":0,"net_tfa":-16200,"tfa_he":-16200,"tw":-16200,"age":26,"inc":7440,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":-16200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":4499,"hequity":501,"nifa":27500,"net_nifa":27500,"tfa":27500,"net_tfa":27500,"tfa_he":28001,"tw":32601,"age":40,"inc":19704,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":27500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-600,"tfa":1400,"net_tfa":-600,"tfa_he":-600,"tw":3250,"age":30,"inc":19443,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":68,"net_nifa":68,"tfa":68,"net_tfa":68,"tfa_he":68,"tw":68,"age":42,"inc":9945,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":68,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":22000,"hequity":3000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":3000,"tw":3000,"age":27,"inc":12240,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":120000,"hmort":60000,"hequity":60000,"nifa":22500,"net_nifa":20500,"tfa":52500,"net_tfa":50500,"tfa_he":110500,"tw":233500,"age":44,"inc":90483,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":50500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":2000,"age":63,"inc":10887,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":5748,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":27810,"hequity":32190,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":32440,"tw":37624,"age":56,"inc":35742,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-3450,"tfa":400,"net_tfa":-3450,"tfa_he":-3450,"tw":-3450,"age":36,"inc":14559,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":-3450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":47,"inc":7041,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":399,"tfa":399,"net_tfa":399,"tfa_he":399,"tw":4438,"age":61,"inc":19557,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":399,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":40000,"hequity":10000,"nifa":3500,"net_nifa":300,"tfa":3500,"net_tfa":300,"tfa_he":10300,"tw":105300,"age":49,"inc":60150,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":32,"inc":3504,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":34000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":103800,"net_nifa":103800,"tfa":137800,"net_tfa":137800,"tfa_he":137800,"tw":142325,"age":62,"inc":23535,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":137800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-6500,"tfa":500,"net_tfa":-6500,"tfa_he":-6500,"tw":-6000,"age":28,"inc":15294,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":-420,"tfa":80,"net_tfa":-420,"tfa_he":-420,"tw":7580,"age":63,"inc":14994,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-420,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":35,"inc":11844,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":100000,"hmort":24500,"hequity":75500,"nifa":1379,"net_nifa":974,"tfa":11379,"net_tfa":10974,"tfa_he":86474,"tw":86474,"age":59,"inc":29415,"fsize":8,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.37883,"net_n401":10974,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":0,"hval":90000,"hmort":17000,"hequity":73000,"nifa":3000,"net_nifa":2500,"tfa":10000,"net_tfa":9500,"tfa_he":82500,"tw":87350,"age":47,"inc":31431,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":6000,"hequity":4000,"nifa":699,"net_nifa":-701,"tfa":699,"net_tfa":-701,"tfa_he":3299,"tw":4379,"age":27,"inc":18090,"fsize":5,"educ":7,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-701,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":45384,"fsize":13,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":80000,"hmort":60000,"hequity":20000,"nifa":3699,"net_nifa":3699,"tfa":9699,"net_tfa":9699,"tfa_he":29699,"tw":30999,"age":27,"inc":56691,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":9699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":167000,"hmort":42000,"hequity":125000,"nifa":5499,"net_nifa":5499,"tfa":15499,"net_tfa":15499,"tfa_he":140499,"tw":140499,"age":44,"inc":56250,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":15499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":35000,"hequity":3000,"nifa":16500,"net_nifa":15800,"tfa":16500,"net_tfa":15800,"tfa_he":18800,"tw":24550,"age":32,"inc":32856,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":15800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":78000,"hequity":172000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":174000,"tw":174000,"age":40,"inc":28680,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3400,"tfa":100,"net_tfa":-3400,"tfa_he":-3400,"tw":-2900,"age":27,"inc":21000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":19800,"hequity":155200,"nifa":2008,"net_nifa":8,"tfa":2008,"net_tfa":8,"tfa_he":155208,"tw":155208,"age":60,"inc":22551,"fsize":5,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":8,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":200,"age":26,"inc":10200,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2600,"net_nifa":150,"tfa":2600,"net_tfa":150,"tfa_he":150150,"tw":150150,"age":37,"inc":29946,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":200,"a401":0,"hval":65000,"hmort":27900,"hequity":37100,"nifa":310,"net_nifa":-740,"tfa":510,"net_tfa":-540,"tfa_he":36560,"tw":37993,"age":34,"inc":25998,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":-540,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":31,"inc":34500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":3330,"net_nifa":3330,"tfa":3330,"net_tfa":3330,"tfa_he":28330,"tw":28330,"age":45,"inc":15441,"fsize":4,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":3330,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":79800,"tw":86300,"age":55,"inc":36924,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":7110,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":2838,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":13380,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":700,"tfa":1000,"net_tfa":700,"tfa_he":700,"tw":16000,"age":31,"inc":19860,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":32000,"hequity":37000,"nifa":469,"net_nifa":-4331,"tfa":469,"net_tfa":-4331,"tfa_he":32669,"tw":42669,"age":38,"inc":24849,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-4331,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":-1400,"tw":1900,"age":35,"inc":30000,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":38000,"hequity":32000,"nifa":20299,"net_nifa":20269,"tfa":20299,"net_tfa":20269,"tfa_he":52269,"tw":52769,"age":33,"inc":13440,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":20269,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":97000,"hmort":0,"hequity":97000,"nifa":0,"net_nifa":-5100,"tfa":0,"net_tfa":-5100,"tfa_he":91900,"tw":91900,"age":48,"inc":35700,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":27000,"tw":27000,"age":42,"inc":16830,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":29000,"hequity":91000,"nifa":8299,"net_nifa":8099,"tfa":8299,"net_tfa":8099,"tfa_he":99099,"tw":118599,"age":62,"inc":52320,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":8099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":125000,"hmort":96000,"hequity":29000,"nifa":10820,"net_nifa":10520,"tfa":10820,"net_tfa":10520,"tfa_he":39520,"tw":54120,"age":43,"inc":65526,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":10520,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6910,"net_nifa":2660,"tfa":6910,"net_tfa":2660,"tfa_he":2660,"tw":6660,"age":27,"inc":40110,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":2660,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":47000,"hequity":33000,"nifa":3200,"net_nifa":-500,"tfa":3200,"net_tfa":-500,"tfa_he":32500,"tw":33000,"age":38,"inc":10098,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":12588,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-3600,"tfa":400,"net_tfa":-3600,"tfa_he":-3600,"tw":-3100,"age":34,"inc":21816,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":869,"net_nifa":869,"tfa":869,"net_tfa":869,"tfa_he":869,"tw":869,"age":40,"inc":35439,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":869,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":88000,"hequity":122000,"nifa":1400,"net_nifa":-1300,"tfa":1400,"net_tfa":-1300,"tfa_he":120700,"tw":120700,"age":37,"inc":35700,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":25000,"hequity":35000,"nifa":2000,"net_nifa":1400,"tfa":2000,"net_tfa":1400,"tfa_he":36400,"tw":36400,"age":39,"inc":14025,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":68000,"hequity":5000,"nifa":0,"net_nifa":-3550,"tfa":0,"net_tfa":-3550,"tfa_he":1450,"tw":11836,"age":60,"inc":25356,"fsize":1,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-3550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":84000,"hmort":0,"hequity":84000,"nifa":3699,"net_nifa":-19301,"tfa":3699,"net_tfa":-19301,"tfa_he":64699,"tw":68049,"age":45,"inc":8430,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-19301,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":33,"inc":45951,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":4000,"tfa":11000,"net_tfa":8000,"tfa_he":8000,"tw":8000,"age":25,"inc":13800,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":8000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":43500,"hequity":45500,"nifa":2930,"net_nifa":2130,"tfa":2930,"net_tfa":2130,"tfa_he":47630,"tw":51630,"age":42,"inc":50037,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4900,"net_nifa":4350,"tfa":4900,"net_tfa":4350,"tfa_he":4350,"tw":19888,"age":26,"inc":23040,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":37000,"hequity":13000,"nifa":5300,"net_nifa":2300,"tfa":5300,"net_tfa":2300,"tfa_he":15300,"tw":15300,"age":37,"inc":47772,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":76000,"hequity":224000,"nifa":5099,"net_nifa":3599,"tfa":5099,"net_tfa":3599,"tfa_he":227599,"tw":227599,"age":27,"inc":45300,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":58000,"hequity":42000,"nifa":3050,"net_nifa":-21950,"tfa":3050,"net_tfa":-21950,"tfa_he":20050,"tw":507725,"age":33,"inc":24711,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-21950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":52,"inc":40224,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.59958,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":43000,"hequity":0,"nifa":1060,"net_nifa":-12946,"tfa":1060,"net_tfa":-12946,"tfa_he":-12946,"tw":-5521,"age":27,"inc":45750,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-12946,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":63000,"hequity":10000,"nifa":800,"net_nifa":-7200,"tfa":800,"net_tfa":-7200,"tfa_he":2800,"tw":4300,"age":47,"inc":39525,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-7200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":950,"a401":0,"hval":170000,"hmort":40000,"hequity":130000,"nifa":3800,"net_nifa":3800,"tfa":4750,"net_tfa":4750,"tfa_he":134750,"tw":264750,"age":49,"inc":47691,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":50500,"age":37,"inc":12324,"fsize":9,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":42500,"hequity":7500,"nifa":499,"net_nifa":-1627,"tfa":499,"net_tfa":-1627,"tfa_he":5873,"tw":9873,"age":50,"inc":22980,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-1627,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":32000,"hequity":38000,"nifa":7249,"net_nifa":4249,"tfa":7249,"net_tfa":4249,"tfa_he":42249,"tw":42249,"age":43,"inc":44751,"fsize":5,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":4249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":964,"net_nifa":-136,"tfa":964,"net_tfa":-136,"tfa_he":-136,"tw":4864,"age":38,"inc":20820,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-136,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":172900,"hmort":150000,"hequity":22900,"nifa":1400,"net_nifa":-3100,"tfa":1400,"net_tfa":-3100,"tfa_he":19800,"tw":28621,"age":28,"inc":21450,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7700,"net_nifa":100,"tfa":7700,"net_tfa":100,"tfa_he":100,"tw":5600,"age":39,"inc":21240,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4200,"tfa":0,"net_tfa":-4200,"tfa_he":-4200,"tw":-2280,"age":27,"inc":13200,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5803,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":98854,"net_nifa":76592,"tfa":104657,"net_tfa":82395,"tfa_he":167395,"tw":176629,"age":52,"inc":21492,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":82395,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-2000,"tfa":6500,"net_tfa":1500,"tfa_he":1500,"tw":19811,"age":54,"inc":30000,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":230000,"hmort":20000,"hequity":210000,"nifa":45340,"net_nifa":45190,"tfa":58340,"net_tfa":58190,"tfa_he":268190,"tw":274440,"age":49,"inc":30420,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":58190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":8000,"hequity":48000,"nifa":600,"net_nifa":100,"tfa":600,"net_tfa":100,"tfa_he":48100,"tw":49100,"age":41,"inc":28035,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-347,"age":28,"inc":28911,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2400,"a401":0,"hval":190000,"hmort":150000,"hequity":40000,"nifa":3010,"net_nifa":-1958,"tfa":5410,"net_tfa":442,"tfa_he":40442,"tw":40942,"age":27,"inc":15735,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.13209,"net_n401":442,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":758,"net_nifa":758,"tfa":758,"net_tfa":758,"tfa_he":40758,"tw":40758,"age":64,"inc":11247,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":758,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10315,"net_nifa":9428,"tfa":10315,"net_tfa":9428,"tfa_he":9428,"tw":11928,"age":48,"inc":8475,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":9428,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":56000,"tw":56000,"age":51,"inc":23364,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4420,"net_nifa":4190,"tfa":4420,"net_tfa":4190,"tfa_he":4190,"tw":4190,"age":52,"inc":7704,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":4190,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":42000,"hmort":24900,"hequity":17100,"nifa":12499,"net_nifa":7499,"tfa":62499,"net_tfa":57499,"tfa_he":74599,"tw":83599,"age":44,"inc":33774,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":57499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":999,"age":31,"inc":23265,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-14701,"tfa":1499,"net_tfa":-14701,"tfa_he":-14701,"tw":-14301,"age":47,"inc":42690,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-14701,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":44000,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-1000,"age":31,"inc":11460,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-8000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1849,"net_nifa":1849,"tfa":1849,"net_tfa":1849,"tfa_he":1849,"tw":9445,"age":42,"inc":33138,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":1849,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":60000,"hequity":40000,"nifa":19999,"net_nifa":14999,"tfa":19999,"net_tfa":14999,"tfa_he":54999,"tw":54999,"age":46,"inc":40950,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":14999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12155,"net_nifa":11654,"tfa":12155,"net_tfa":11654,"tfa_he":11654,"tw":12740,"age":29,"inc":44952,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":11654,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":290,"net_nifa":-5710,"tfa":290,"net_tfa":-5710,"tfa_he":-5710,"tw":-2260,"age":53,"inc":15300,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-5710,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":450,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-415,"tfa":460,"net_tfa":35,"tfa_he":35,"tw":2701,"age":25,"inc":16242,"fsize":4,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.32681,"net_n401":35,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":40620,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39500,"hmort":39500,"hequity":0,"nifa":2325,"net_nifa":-4975,"tfa":2325,"net_tfa":-4975,"tfa_he":-4975,"tw":-4975,"age":37,"inc":37668,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-4975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":46750,"hequity":3250,"nifa":57,"net_nifa":57,"tfa":57,"net_tfa":57,"tfa_he":3307,"tw":3307,"age":31,"inc":20436,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":57,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":19000,"hmort":13500,"hequity":5500,"nifa":480,"net_nifa":-3820,"tfa":480,"net_tfa":-3820,"tfa_he":1680,"tw":5280,"age":33,"inc":25782,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-3820,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":12000,"hequity":3000,"nifa":5,"net_nifa":-4255,"tfa":5,"net_tfa":-4255,"tfa_he":-1255,"tw":-1255,"age":30,"inc":5046,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-4255,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49500,"hmort":28000,"hequity":21500,"nifa":20,"net_nifa":-2480,"tfa":20,"net_tfa":-2480,"tfa_he":19020,"tw":22870,"age":45,"inc":17616,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-2480,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":0,"hval":200000,"hmort":82000,"hequity":118000,"nifa":165000,"net_nifa":165000,"tfa":195000,"net_tfa":195000,"tfa_he":313000,"tw":329000,"age":44,"inc":128700,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":195000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5049,"net_nifa":2949,"tfa":5049,"net_tfa":2949,"tfa_he":2949,"tw":5282,"age":29,"inc":7500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":2949,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9900,"a401":0,"hval":55000,"hmort":15000,"hequity":40000,"nifa":8100,"net_nifa":8100,"tfa":18000,"net_tfa":18000,"tfa_he":58000,"tw":71000,"age":51,"inc":57291,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":29000,"hequity":21000,"nifa":700,"net_nifa":-20509,"tfa":700,"net_tfa":-20509,"tfa_he":491,"tw":50491,"age":39,"inc":30021,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-20509,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":75800,"hequity":4200,"nifa":2100,"net_nifa":-1400,"tfa":2100,"net_tfa":-1400,"tfa_he":2800,"tw":6300,"age":31,"inc":44598,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":1000,"net_nifa":1000,"tfa":3000,"net_tfa":3000,"tfa_he":203000,"tw":203000,"age":63,"inc":5982,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.20883,"net_n401":3000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":840,"net_nifa":840,"tfa":840,"net_tfa":840,"tfa_he":110840,"tw":114190,"age":59,"inc":12921,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":840,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":422,"net_nifa":-1150,"tfa":422,"net_tfa":-1150,"tfa_he":-1150,"tw":2400,"age":29,"inc":24792,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1560,"net_nifa":-9940,"tfa":1560,"net_tfa":-9940,"tfa_he":-9940,"tw":-3465,"age":39,"inc":52110,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-9940,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":849,"net_nifa":849,"tfa":849,"net_tfa":849,"tfa_he":849,"tw":849,"age":31,"inc":20445,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":849,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":135000,"hequity":25000,"nifa":4500,"net_nifa":-1100,"tfa":4500,"net_tfa":-1100,"tfa_he":23900,"tw":33100,"age":36,"inc":29100,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-1100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":730,"net_nifa":-20157,"tfa":730,"net_tfa":-20157,"tfa_he":-20157,"tw":-14915,"age":44,"inc":1200,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-20157,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":95000,"hequity":25000,"nifa":500,"net_nifa":300,"tfa":500,"net_tfa":300,"tfa_he":25300,"tw":28633,"age":43,"inc":27840,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":10200,"tw":13200,"age":36,"inc":39942,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":51000,"hmort":0,"hequity":51000,"nifa":400,"net_nifa":200,"tfa":400,"net_tfa":200,"tfa_he":51200,"tw":87908,"age":51,"inc":24000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":40000,"hequity":95000,"nifa":26000,"net_nifa":26000,"tfa":26000,"net_tfa":26000,"tfa_he":121000,"tw":121000,"age":47,"inc":55557,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-479,"tfa":400,"net_tfa":-479,"tfa_he":-479,"tw":21,"age":28,"inc":7869,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":-479,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":129000,"hequity":36000,"nifa":3000,"net_nifa":1500,"tfa":3000,"net_tfa":1500,"tfa_he":37500,"tw":41117,"age":28,"inc":43485,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1784,"net_nifa":-216,"tfa":1784,"net_tfa":-216,"tfa_he":-216,"tw":-216,"age":47,"inc":11100,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-216,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32500,"hequity":27500,"nifa":3149,"net_nifa":2149,"tfa":3149,"net_tfa":2149,"tfa_he":29649,"tw":30649,"age":40,"inc":12915,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":2149,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":10200,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":18750,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":120,"net_nifa":-180,"tfa":120,"net_tfa":-180,"tfa_he":-180,"tw":320,"age":28,"inc":28572,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-180,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":670,"net_nifa":-348,"tfa":670,"net_tfa":-348,"tfa_he":-348,"tw":402,"age":32,"inc":15195,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-348,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":65000,"hmort":30000,"hequity":35000,"nifa":5500,"net_nifa":-1400,"tfa":11500,"net_tfa":4600,"tfa_he":39600,"tw":39600,"age":34,"inc":31839,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":-5801,"tfa":14199,"net_tfa":8199,"tfa_he":8199,"tw":8199,"age":44,"inc":10173,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":8199,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":150000,"hequity":60000,"nifa":7150,"net_nifa":4650,"tfa":7150,"net_tfa":4650,"tfa_he":64650,"tw":88650,"age":33,"inc":48300,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":4650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":43000,"hequity":37000,"nifa":600,"net_nifa":400,"tfa":600,"net_tfa":400,"tfa_he":37400,"tw":42453,"age":32,"inc":22149,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":97000,"hmort":7000,"hequity":90000,"nifa":80,"net_nifa":-210,"tfa":80,"net_tfa":-210,"tfa_he":89790,"tw":90290,"age":62,"inc":9213,"fsize":1,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-210,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":1180,"net_nifa":1180,"tfa":1180,"net_tfa":1180,"tfa_he":96180,"tw":96180,"age":51,"inc":26262,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1180,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2600,"tfa":0,"net_tfa":-2600,"tfa_he":-2600,"tw":1343,"age":39,"inc":7560,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-2600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":62,"inc":9846,"fsize":7,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":10008,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":624,"net_nifa":-576,"tfa":624,"net_tfa":-576,"tfa_he":-576,"tw":519,"age":50,"inc":30498,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-576,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":23000,"hequity":17000,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":18800,"tw":18800,"age":52,"inc":27939,"fsize":7,"educ":7,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":1800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":-650,"age":28,"inc":10200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":20500,"hequity":33500,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":33000,"tw":39003,"age":55,"inc":14352,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":22500,"hequity":77500,"nifa":1000,"net_nifa":-4400,"tfa":1000,"net_tfa":-4400,"tfa_he":73100,"tw":77300,"age":46,"inc":25200,"fsize":2,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":50000,"hequity":70000,"nifa":2150,"net_nifa":2150,"tfa":2150,"net_tfa":2150,"tfa_he":72150,"tw":72150,"age":46,"inc":77235,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":2150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":-1951,"tfa":49,"net_tfa":-1951,"tfa_he":-1951,"tw":-1951,"age":31,"inc":24012,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-1951,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":-275,"age":37,"inc":13380,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1200,"tfa":1500,"net_tfa":1200,"tfa_he":1200,"tw":1300,"age":29,"inc":20568,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":21900,"hequity":8100,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":7600,"tw":7600,"age":44,"inc":18900,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":41200,"hequity":8800,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":8900,"tw":23900,"age":36,"inc":34386,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":77000,"hmort":59000,"hequity":18000,"nifa":1435,"net_nifa":-665,"tfa":1435,"net_tfa":-665,"tfa_he":17335,"tw":18535,"age":33,"inc":58878,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-665,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":56,"net_nifa":-1214,"tfa":56,"net_tfa":-1214,"tfa_he":-1214,"tw":-1214,"age":33,"inc":9090,"fsize":4,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-1214,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-350,"tfa":50,"net_tfa":-350,"tfa_he":-350,"tw":-350,"age":29,"inc":10800,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":12744,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":40000,"a401":0,"hval":300000,"hmort":100000,"hequity":200000,"nifa":11500,"net_nifa":11250,"tfa":51500,"net_tfa":51250,"tfa_he":251250,"tw":251250,"age":40,"inc":120750,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":51250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19500,"a401":0,"hval":75000,"hmort":30000,"hequity":45000,"nifa":22300,"net_nifa":22300,"tfa":41800,"net_tfa":41800,"tfa_he":86800,"tw":86800,"age":54,"inc":20019,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":41800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":186000,"hmort":132800,"hequity":53200,"nifa":1500,"net_nifa":500,"tfa":9500,"net_tfa":8500,"tfa_he":61700,"tw":61700,"age":32,"inc":38490,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":8500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":3200,"net_nifa":2950,"tfa":3200,"net_tfa":2950,"tfa_he":97950,"tw":99150,"age":41,"inc":44790,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":7872,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":13560,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":65000,"hequity":13000,"nifa":4010,"net_nifa":1910,"tfa":4010,"net_tfa":1910,"tfa_he":14910,"tw":15510,"age":30,"inc":60378,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1910,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":19440,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":5453,"age":47,"inc":7419,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":3400,"tfa":6300,"net_tfa":6200,"tfa_he":6200,"tw":9225,"age":26,"inc":8070,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.11738,"net_n401":6200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":300,"tfa":1100,"net_tfa":300,"tfa_he":300,"tw":10300,"age":30,"inc":38130,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":332,"net_nifa":-1468,"tfa":332,"net_tfa":-1468,"tfa_he":-1468,"tw":2632,"age":25,"inc":10500,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1468,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":10800,"fsize":7,"educ":4,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":399,"tfa":399,"net_tfa":399,"tfa_he":399,"tw":11078,"age":43,"inc":23046,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":399,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":-2861,"tfa":399,"net_tfa":-2861,"tfa_he":-2861,"tw":-2861,"age":29,"inc":17373,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-2861,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":19999,"net_nifa":16449,"tfa":36999,"net_tfa":33449,"tfa_he":93449,"tw":93449,"age":62,"inc":28200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":33449,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":70000,"hequity":5000,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":4500,"tw":8604,"age":33,"inc":25500,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":90000,"hequity":50000,"nifa":800,"net_nifa":-2200,"tfa":800,"net_tfa":-2200,"tfa_he":47800,"tw":54543,"age":38,"inc":23937,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":250000,"hmort":33000,"hequity":217000,"nifa":794,"net_nifa":-12206,"tfa":50794,"net_tfa":37794,"tfa_he":254794,"tw":254794,"age":55,"inc":36117,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":37794,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2160,"a401":0,"hval":190000,"hmort":116000,"hequity":74000,"nifa":71349,"net_nifa":71349,"tfa":73509,"net_tfa":73509,"tfa_he":147509,"tw":147509,"age":35,"inc":47760,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":73509,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11400,"a401":0,"hval":130000,"hmort":20000,"hequity":110000,"nifa":4100,"net_nifa":4100,"tfa":15500,"net_tfa":15500,"tfa_he":125500,"tw":257642,"age":54,"inc":31008,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":15500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":33000,"net_nifa":5500,"tfa":33000,"net_tfa":5500,"tfa_he":5500,"tw":5500,"age":39,"inc":72360,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":5500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":15500,"net_nifa":15500,"tfa":15500,"net_tfa":15500,"tfa_he":95500,"tw":95500,"age":40,"inc":79536,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":15500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22559,"net_nifa":20059,"tfa":26559,"net_tfa":24059,"tfa_he":24059,"tw":112409,"age":54,"inc":26142,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":24059,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":-928,"tfa":0,"net_tfa":-928,"tfa_he":59072,"tw":59072,"age":36,"inc":8316,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-928,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":300,"net_nifa":-2200,"tfa":300,"net_tfa":-2200,"tfa_he":42800,"tw":42800,"age":35,"inc":25215,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4910,"tfa":0,"net_tfa":-4910,"tfa_he":-4910,"tw":-4910,"age":64,"inc":10890,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4910,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9000,"a401":0,"hval":90000,"hmort":25000,"hequity":65000,"nifa":28500,"net_nifa":24900,"tfa":37500,"net_tfa":33900,"tfa_he":98900,"tw":233700,"age":44,"inc":53697,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":33900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":5700,"net_nifa":2700,"tfa":10700,"net_tfa":7700,"tfa_he":77700,"tw":87100,"age":32,"inc":21915,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":17000,"net_nifa":17000,"tfa":29000,"net_tfa":29000,"tfa_he":179000,"tw":339000,"age":36,"inc":95592,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":1920,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2746,"net_nifa":2746,"tfa":2746,"net_tfa":2746,"tfa_he":2746,"tw":3246,"age":52,"inc":41514,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":2746,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":400,"a401":0,"hval":26000,"hmort":22600,"hequity":3400,"nifa":2900,"net_nifa":2650,"tfa":3300,"net_tfa":3050,"tfa_he":6450,"tw":7450,"age":40,"inc":21645,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":3050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":36,"inc":8700,"fsize":1,"educ":3,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-4850,"tfa":150,"net_tfa":-4850,"tfa_he":-4850,"tw":-107,"age":34,"inc":21645,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-4850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2600,"tfa":3000,"net_tfa":2600,"tfa_he":2600,"tw":2600,"age":60,"inc":21072,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":15000,"hequity":5000,"nifa":33499,"net_nifa":32399,"tfa":33499,"net_tfa":32399,"tfa_he":37399,"tw":53099,"age":42,"inc":58305,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":32399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":72000,"tw":73000,"age":64,"inc":26826,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2125,"age":40,"inc":10902,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16500,"hmort":16500,"hequity":0,"nifa":0,"net_nifa":-30000,"tfa":0,"net_tfa":-30000,"tfa_he":-30000,"tw":-30000,"age":26,"inc":9402,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-30000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":398,"tfa":2100,"net_tfa":398,"tfa_he":398,"tw":398,"age":37,"inc":20781,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":398,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3500,"tfa":0,"net_tfa":-3500,"tfa_he":-3500,"tw":-2000,"age":50,"inc":12240,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":2100,"net_nifa":2100,"tfa":2100,"net_tfa":2100,"tfa_he":82100,"tw":84600,"age":47,"inc":36210,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":1550,"age":34,"inc":19350,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":72964,"net_nifa":72964,"tfa":72964,"net_tfa":72964,"tfa_he":72964,"tw":73464,"age":59,"inc":55314,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":72964,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":39000,"hequity":46000,"nifa":2152,"net_nifa":-3348,"tfa":2152,"net_tfa":-3348,"tfa_he":42652,"tw":78652,"age":43,"inc":43962,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-475,"tfa":125,"net_tfa":-475,"tfa_he":-475,"tw":-475,"age":26,"inc":28200,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-475,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-1500,"tfa":1400,"net_tfa":-1500,"tfa_he":-1500,"tw":4742,"age":29,"inc":18516,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":36,"inc":15600,"fsize":5,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":140050,"net_nifa":74350,"tfa":140050,"net_tfa":74350,"tfa_he":84350,"tw":95350,"age":36,"inc":19770,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":74350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32648,"net_nifa":32648,"tfa":32648,"net_tfa":32648,"tfa_he":32648,"tw":37890,"age":61,"inc":17967,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":32648,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6500,"tfa":0,"net_tfa":-6500,"tfa_he":-6500,"tw":-6000,"age":28,"inc":14550,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":60000,"hequity":35000,"nifa":2499,"net_nifa":-8101,"tfa":2499,"net_tfa":-8101,"tfa_he":26899,"tw":40899,"age":36,"inc":45030,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-8101,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":350,"tfa":4000,"net_tfa":350,"tfa_he":350,"tw":2350,"age":25,"inc":28059,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49225,"net_nifa":49225,"tfa":59225,"net_tfa":59225,"tfa_he":59225,"tw":59225,"age":55,"inc":36300,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":59225,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4742,"age":49,"inc":9612,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":130000,"hequity":20000,"nifa":15499,"net_nifa":15499,"tfa":15499,"net_tfa":15499,"tfa_he":35499,"tw":41499,"age":38,"inc":93630,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":15499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":18200,"hequity":30800,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":32500,"tw":33750,"age":42,"inc":17817,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":1700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":0,"hequity":46000,"nifa":0,"net_nifa":-2373,"tfa":0,"net_tfa":-2373,"tfa_he":43627,"tw":43627,"age":32,"inc":13182,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2373,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":45000,"hequity":23000,"nifa":1500,"net_nifa":-100,"tfa":1500,"net_tfa":-100,"tfa_he":22900,"tw":28400,"age":40,"inc":48000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-8900,"tfa":300,"net_tfa":-8900,"tfa_he":-8900,"tw":-4550,"age":30,"inc":28443,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-8900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":68000,"hequity":52000,"nifa":1000,"net_nifa":-93000,"tfa":1000,"net_tfa":-93000,"tfa_he":-41000,"tw":-31000,"age":59,"inc":27174,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-93000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80000,"net_nifa":79400,"tfa":84000,"net_tfa":83400,"tfa_he":83400,"tw":83400,"age":52,"inc":26400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":83400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":52000,"hequity":8000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":8050,"tw":8050,"age":44,"inc":28830,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":74000,"hequity":11000,"nifa":2249,"net_nifa":2204,"tfa":2249,"net_tfa":2204,"tfa_he":13204,"tw":13204,"age":33,"inc":51912,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2204,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6666,"hmort":6000,"hequity":666,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":666,"tw":791,"age":31,"inc":14280,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":55100,"hequity":6900,"nifa":2600,"net_nifa":-4400,"tfa":2600,"net_tfa":-4400,"tfa_he":2500,"tw":9500,"age":37,"inc":38601,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":10560,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5900,"a401":0,"hval":40000,"hmort":9200,"hequity":30800,"nifa":0,"net_nifa":0,"tfa":5900,"net_tfa":5900,"tfa_he":36700,"tw":37161,"age":42,"inc":41883,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":61,"inc":23457,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":61068,"net_nifa":55568,"tfa":61068,"net_tfa":55568,"tfa_he":55568,"tw":58918,"age":40,"inc":38241,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":55568,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":75000,"hmort":44000,"hequity":31000,"nifa":65000,"net_nifa":64600,"tfa":71000,"net_tfa":70600,"tfa_he":101600,"tw":128100,"age":39,"inc":47499,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":70600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":1189,"net_nifa":789,"tfa":1189,"net_tfa":789,"tfa_he":10789,"tw":12789,"age":34,"inc":30198,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":789,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":32700,"hequity":9300,"nifa":51,"net_nifa":-8149,"tfa":51,"net_tfa":-8149,"tfa_he":1151,"tw":1151,"age":33,"inc":22818,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-8149,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":5300,"net_nifa":5300,"tfa":20300,"net_tfa":20300,"tfa_he":70300,"tw":70300,"age":53,"inc":55218,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":20300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":245000,"hmort":150000,"hequity":95000,"nifa":27,"net_nifa":27,"tfa":27,"net_tfa":27,"tfa_he":95027,"tw":99127,"age":63,"inc":18678,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":27,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":25000,"hequity":25000,"nifa":200,"net_nifa":-2800,"tfa":200,"net_tfa":-2800,"tfa_he":22200,"tw":22580,"age":38,"inc":20058,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":4380,"fsize":5,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28635,"a401":0,"hval":40000,"hmort":11500,"hequity":28500,"nifa":5291,"net_nifa":5291,"tfa":33926,"net_tfa":33926,"tfa_he":62426,"tw":69426,"age":59,"inc":43605,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":33926,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":34,"inc":7374,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-1,"tfa":499,"net_tfa":-1,"tfa_he":-1,"tw":-1,"age":35,"inc":21630,"fsize":5,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":-1,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18615,"a401":0,"hval":150000,"hmort":70000,"hequity":80000,"nifa":950,"net_nifa":-1050,"tfa":19565,"net_tfa":17565,"tfa_he":97565,"tw":97565,"age":50,"inc":42759,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":17565,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":835,"net_nifa":635,"tfa":835,"net_tfa":635,"tfa_he":635,"tw":635,"age":28,"inc":31668,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":635,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":-1200,"age":36,"inc":11250,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":3500,"hequity":68500,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":69500,"tw":92500,"age":64,"inc":38028,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1200,"a401":0,"hval":140000,"hmort":87000,"hequity":53000,"nifa":15004,"net_nifa":14004,"tfa":16204,"net_tfa":15204,"tfa_he":68204,"tw":71129,"age":33,"inc":57753,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":15204,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":23900,"hequity":36100,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":36600,"tw":36600,"age":56,"inc":39375,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":140000,"hmort":40000,"hequity":100000,"nifa":11200,"net_nifa":850,"tfa":57200,"net_tfa":46850,"tfa_he":146850,"tw":146850,"age":50,"inc":40578,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":6850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":199,"net_nifa":173,"tfa":199,"net_tfa":173,"tfa_he":45173,"tw":45173,"age":62,"inc":14904,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":173,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2540,"a401":0,"hval":98000,"hmort":57000,"hequity":41000,"nifa":1707,"net_nifa":1132,"tfa":4247,"net_tfa":3672,"tfa_he":44672,"tw":46172,"age":30,"inc":38148,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":3672,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":78000,"hmort":0,"hequity":78000,"nifa":550,"net_nifa":550,"tfa":18550,"net_tfa":18550,"tfa_he":96550,"tw":96550,"age":46,"inc":25800,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":18550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":42900,"hequity":37100,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":38100,"tw":54100,"age":31,"inc":31338,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":800,"tfa":1000,"net_tfa":800,"tfa_he":800,"tw":1391,"age":28,"inc":17100,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":34500,"hequity":25500,"nifa":1300,"net_nifa":-775,"tfa":1300,"net_tfa":-775,"tfa_he":24725,"tw":24725,"age":51,"inc":36648,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-800,"tfa":2300,"net_tfa":800,"tfa_he":800,"tw":4825,"age":49,"inc":16335,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":6875,"net_nifa":934,"tfa":6875,"net_tfa":934,"tfa_he":934,"tw":6419,"age":41,"inc":44247,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":934,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1590,"a401":0,"hval":150000,"hmort":115000,"hequity":35000,"nifa":2850,"net_nifa":-5314,"tfa":4760,"net_tfa":-3404,"tfa_he":31596,"tw":31596,"age":64,"inc":104919,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":-3724,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":143000,"hequity":7000,"nifa":27700,"net_nifa":25347,"tfa":27700,"net_tfa":25347,"tfa_he":32347,"tw":34147,"age":38,"inc":38085,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":25347,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":49000,"a401":0,"hval":54000,"hmort":0,"hequity":54000,"nifa":2374,"net_nifa":-1626,"tfa":51374,"net_tfa":47374,"tfa_he":101374,"tw":101374,"age":59,"inc":38283,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":47374,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":24000,"hequity":26000,"nifa":1925,"net_nifa":1925,"tfa":1925,"net_tfa":1925,"tfa_he":27925,"tw":30425,"age":41,"inc":36435,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1925,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-4500,"tfa":1000,"net_tfa":-4500,"tfa_he":-4500,"tw":350,"age":28,"inc":45360,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-4500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":2310,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":1748,"tfa":1900,"net_tfa":1748,"tfa_he":1748,"tw":1748,"age":48,"inc":12576,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":1748,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42750,"hmort":42750,"hequity":0,"nifa":382,"net_nifa":-1714,"tfa":382,"net_tfa":-1714,"tfa_he":-1714,"tw":5636,"age":40,"inc":25560,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-1714,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":400,"net_nifa":-6450,"tfa":400,"net_tfa":-6450,"tfa_he":51550,"tw":51550,"age":31,"inc":41292,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-6450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":31500,"hequity":18500,"nifa":236,"net_nifa":-3264,"tfa":236,"net_tfa":-3264,"tfa_he":15236,"tw":21236,"age":25,"inc":27270,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3264,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":10600,"hequity":49400,"nifa":700,"net_nifa":-6600,"tfa":700,"net_tfa":-6600,"tfa_he":42800,"tw":44300,"age":43,"inc":31800,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-6600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":82000,"hmort":63000,"hequity":19000,"nifa":100,"net_nifa":100,"tfa":2700,"net_tfa":2700,"tfa_he":21700,"tw":21700,"age":36,"inc":40392,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":161000,"hmort":150000,"hequity":11000,"nifa":4500,"net_nifa":4470,"tfa":4500,"net_tfa":4470,"tfa_he":15470,"tw":15470,"age":57,"inc":24561,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4470,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":45000,"hequity":15000,"nifa":111200,"net_nifa":101200,"tfa":118700,"net_tfa":108700,"tfa_he":123700,"tw":124250,"age":46,"inc":49200,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":101200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-2050,"tfa":75,"net_tfa":-2050,"tfa_he":-2050,"tw":-2050,"age":26,"inc":26430,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2050,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":44650,"hmort":44650,"hequity":0,"nifa":6215,"net_nifa":2694,"tfa":6215,"net_tfa":2694,"tfa_he":2694,"tw":7919,"age":39,"inc":58578,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":2694,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3900,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3799,"net_nifa":3799,"tfa":7699,"net_tfa":7699,"tfa_he":7699,"tw":18752,"age":59,"inc":35370,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.29063,"net_n401":7699,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":39000,"hmort":39000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":17160,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35000,"net_nifa":33000,"tfa":35000,"net_tfa":33000,"tfa_he":33000,"tw":40000,"age":31,"inc":41376,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":33000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":109000,"hmort":48973,"hequity":60027,"nifa":4417,"net_nifa":1217,"tfa":8417,"net_tfa":5217,"tfa_he":65244,"tw":67644,"age":32,"inc":33804,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":5217,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23400,"net_nifa":21200,"tfa":23400,"net_tfa":21200,"tfa_he":21200,"tw":21200,"age":39,"inc":51123,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":21200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7100,"net_nifa":-150,"tfa":7100,"net_tfa":-150,"tfa_he":-150,"tw":292,"age":37,"inc":34101,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":98000,"hmort":70000,"hequity":28000,"nifa":61300,"net_nifa":50925,"tfa":62300,"net_tfa":51925,"tfa_he":79925,"tw":79925,"age":36,"inc":57630,"fsize":6,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":51925,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-60,"tfa":500,"net_tfa":-60,"tfa_he":-60,"tw":-60,"age":40,"inc":14430,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-60,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14800,"a401":0,"hval":92000,"hmort":41183,"hequity":50817,"nifa":29855,"net_nifa":19155,"tfa":133255,"net_tfa":122555,"tfa_he":173372,"tw":181372,"age":59,"inc":29499,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":33955,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1000,"net_nifa":900,"tfa":1000,"net_tfa":900,"tfa_he":50900,"tw":53900,"age":41,"inc":28620,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20399,"net_nifa":18899,"tfa":20999,"net_tfa":19499,"tfa_he":19499,"tw":22849,"age":49,"inc":21090,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":19499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":75000,"hequity":50000,"nifa":940,"net_nifa":-5310,"tfa":940,"net_tfa":-5310,"tfa_he":44690,"tw":44690,"age":43,"inc":40200,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-5310,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":100000,"hequity":75000,"nifa":8699,"net_nifa":8699,"tfa":8699,"net_tfa":8699,"tfa_he":83699,"tw":83699,"age":35,"inc":9933,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.375,"net_n401":8699,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49700,"hmort":42500,"hequity":7200,"nifa":0,"net_nifa":-12500,"tfa":0,"net_tfa":-12500,"tfa_he":-5300,"tw":-5300,"age":47,"inc":17988,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-12500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":12960,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10100,"net_nifa":8850,"tfa":10100,"net_tfa":8850,"tfa_he":8850,"tw":36850,"age":56,"inc":20643,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":8850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-8675,"tfa":5,"net_tfa":-8675,"tfa_he":-8675,"tw":325,"age":25,"inc":28800,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-8675,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1100,"tfa":0,"net_tfa":-1100,"tfa_he":-1100,"tw":-1100,"age":40,"inc":35190,"fsize":9,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-1100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16000,"hmort":16000,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":2600,"age":37,"inc":11763,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":63000,"hequity":2000,"nifa":601,"net_nifa":-6599,"tfa":601,"net_tfa":-6599,"tfa_he":-4599,"tw":-36,"age":46,"inc":38886,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-6599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":78149,"net_nifa":78149,"tfa":87449,"net_tfa":87449,"tfa_he":87449,"tw":87949,"age":52,"inc":32628,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":87449,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":0,"hval":55000,"hmort":25000,"hequity":30000,"nifa":76499,"net_nifa":73499,"tfa":119499,"net_tfa":116499,"tfa_he":146499,"tw":150374,"age":57,"inc":45294,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":76499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":220000,"hmort":57000,"hequity":163000,"nifa":300,"net_nifa":-4300,"tfa":300,"net_tfa":-4300,"tfa_he":158700,"tw":158700,"age":53,"inc":12882,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-4300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":70000,"hequity":55000,"nifa":32,"net_nifa":-1068,"tfa":32,"net_tfa":-1068,"tfa_he":53932,"tw":53932,"age":42,"inc":60384,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1068,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6600,"net_nifa":400,"tfa":6600,"net_tfa":400,"tfa_he":400,"tw":3575,"age":25,"inc":32580,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-59970,"tfa":30,"net_tfa":-59970,"tfa_he":-59970,"tw":-59470,"age":42,"inc":13500,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-59970,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-157,"tfa":0,"net_tfa":-157,"tfa_he":-157,"tw":843,"age":33,"inc":11700,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-157,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":50550,"hequity":24450,"nifa":6000,"net_nifa":2000,"tfa":6000,"net_tfa":2000,"tfa_he":26450,"tw":26450,"age":41,"inc":82200,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":62000,"hequity":0,"nifa":1953,"net_nifa":1853,"tfa":1953,"net_tfa":1853,"tfa_he":1853,"tw":5203,"age":36,"inc":27741,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":1853,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60000,"age":43,"inc":9747,"fsize":6,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3100,"tfa":0,"net_tfa":-3100,"tfa_he":-3100,"tw":-3100,"age":43,"inc":21216,"fsize":7,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-3100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-100,"tfa":400,"net_tfa":-100,"tfa_he":-100,"tw":500,"age":32,"inc":17040,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26997,"net_nifa":26997,"tfa":54997,"net_tfa":54997,"tfa_he":54997,"tw":74997,"age":55,"inc":27000,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2062,"net_n401":54997,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":325,"tfa":325,"net_tfa":325,"tfa_he":325,"tw":1325,"age":34,"inc":33171,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":325,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-100,"tfa":600,"net_tfa":-100,"tfa_he":-100,"tw":33250,"age":28,"inc":16590,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80500,"hmort":80500,"hequity":0,"nifa":0,"net_nifa":-69300,"tfa":0,"net_tfa":-69300,"tfa_he":-69300,"tw":-61200,"age":46,"inc":16200,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-69300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":50000,"hequity":100000,"nifa":1400,"net_nifa":-2800,"tfa":1400,"net_tfa":-2800,"tfa_he":97200,"tw":105200,"age":45,"inc":68244,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24000,"a401":0,"hval":100000,"hmort":50000,"hequity":50000,"nifa":28000,"net_nifa":28000,"tfa":52000,"net_tfa":52000,"tfa_he":102000,"tw":114000,"age":53,"inc":47520,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":52000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8500,"a401":0,"hval":65000,"hmort":41000,"hequity":24000,"nifa":248,"net_nifa":-252,"tfa":8748,"net_tfa":8248,"tfa_he":32248,"tw":33848,"age":52,"inc":28419,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":8248,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":100000,"hequity":10000,"nifa":182000,"net_nifa":178915,"tfa":182000,"net_tfa":178915,"tfa_he":188915,"tw":383915,"age":36,"inc":77316,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":178915,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":4350,"age":29,"inc":28800,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":150,"tfa":250,"net_tfa":150,"tfa_he":150,"tw":150,"age":25,"inc":4980,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":150,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":50,"age":60,"inc":6252,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":50,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":63,"inc":6480,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":35600,"tw":37650,"age":52,"inc":13200,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":65000,"hmort":55000,"hequity":10000,"nifa":14300,"net_nifa":13725,"tfa":34300,"net_tfa":33725,"tfa_he":43725,"tw":43725,"age":33,"inc":42699,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":33725,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":120000,"hequity":60000,"nifa":26290,"net_nifa":25290,"tfa":26290,"net_tfa":25290,"tfa_he":85290,"tw":120715,"age":34,"inc":66000,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":25290,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4027,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":3725,"net_nifa":-1147,"tfa":7752,"net_tfa":2880,"tfa_he":42880,"tw":45574,"age":46,"inc":21450,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":2880,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":500,"a401":0,"hval":40000,"hmort":27000,"hequity":13000,"nifa":100,"net_nifa":100,"tfa":600,"net_tfa":600,"tfa_he":13600,"tw":13600,"age":43,"inc":14511,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2350,"tfa":50,"net_tfa":-2350,"tfa_he":-2350,"tw":-1850,"age":25,"inc":13377,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":-1400,"age":54,"inc":19620,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-5000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":24000,"hequity":51000,"nifa":4830,"net_nifa":2680,"tfa":4830,"net_tfa":2680,"tfa_he":53680,"tw":53680,"age":45,"inc":9876,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":2680,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20450,"a401":0,"hval":65000,"hmort":35000,"hequity":30000,"nifa":129500,"net_nifa":129151,"tfa":149950,"net_tfa":149601,"tfa_he":179601,"tw":179601,"age":53,"inc":48732,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":149601,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":15149,"net_nifa":15149,"tfa":15149,"net_tfa":15149,"tfa_he":215149,"tw":254928,"age":63,"inc":36978,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":15149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":210000,"hmort":115000,"hequity":95000,"nifa":7000,"net_nifa":4800,"tfa":7000,"net_tfa":4800,"tfa_he":99800,"tw":99800,"age":49,"inc":56145,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":4800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10645,"net_nifa":4545,"tfa":24645,"net_tfa":18545,"tfa_he":18545,"tw":18545,"age":54,"inc":35280,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":18545,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":13362,"age":50,"inc":30600,"fsize":3,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4411,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9283,"net_nifa":8583,"tfa":13694,"net_tfa":12994,"tfa_he":12994,"tw":14494,"age":55,"inc":18444,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":12994,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":40,"inc":19650,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":25,"inc":7044,"fsize":4,"educ":5,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":90000,"hmort":68000,"hequity":22000,"nifa":3699,"net_nifa":-6101,"tfa":20699,"net_tfa":10899,"tfa_he":32899,"tw":35952,"age":44,"inc":50154,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":10899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":83030,"hequity":6970,"nifa":5,"net_nifa":-1895,"tfa":5,"net_tfa":-1895,"tfa_he":5075,"tw":13075,"age":31,"inc":28362,"fsize":4,"educ":17,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":-1895,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3770,"a401":0,"hval":90000,"hmort":64500,"hequity":25500,"nifa":1949,"net_nifa":1949,"tfa":5719,"net_tfa":5719,"tfa_he":31219,"tw":31219,"age":42,"inc":61744,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":5719,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5242,"age":49,"inc":14280,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":99500,"hmort":56000,"hequity":43500,"nifa":5099,"net_nifa":5099,"tfa":5099,"net_tfa":5099,"tfa_he":48599,"tw":79099,"age":37,"inc":21078,"fsize":1,"educ":15,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":5099,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2150,"net_nifa":2150,"tfa":2150,"net_tfa":2150,"tfa_he":2150,"tw":3650,"age":37,"inc":31995,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":2150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":775,"age":32,"inc":62700,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":16000,"net_nifa":15200,"tfa":34000,"net_tfa":33200,"tfa_he":73200,"tw":73200,"age":36,"inc":45963,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":33200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":830,"net_nifa":-3670,"tfa":830,"net_tfa":-3670,"tfa_he":-3670,"tw":-545,"age":41,"inc":31221,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3670,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3150,"tfa":0,"net_tfa":-3150,"tfa_he":-3150,"tw":-3150,"age":32,"inc":6315,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-3150,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2350,"tfa":50,"net_tfa":-2350,"tfa_he":-2350,"tw":5650,"age":39,"inc":12522,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":75000,"hmort":40000,"hequity":35000,"nifa":2249,"net_nifa":749,"tfa":8249,"net_tfa":6749,"tfa_he":41749,"tw":60430,"age":47,"inc":32649,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":6749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":81000,"net_nifa":76000,"tfa":111000,"net_tfa":106000,"tfa_he":256000,"tw":311000,"age":51,"inc":104802,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":106000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":40000,"tw":41775,"age":45,"inc":31968,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4799,"tfa":4999,"net_tfa":4799,"tfa_he":4799,"tw":9231,"age":26,"inc":24942,"fsize":4,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":4799,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":52000,"hequity":13000,"nifa":3000,"net_nifa":2000,"tfa":3000,"net_tfa":2000,"tfa_he":15000,"tw":19500,"age":30,"inc":46080,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":20,"net_nifa":-2875,"tfa":20,"net_tfa":-2875,"tfa_he":122125,"tw":122125,"age":28,"inc":49284,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2875,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":10593,"age":29,"inc":15276,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":13474,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":9000,"net_nifa":9000,"tfa":22474,"net_tfa":22474,"tfa_he":122474,"tw":122474,"age":40,"inc":126750,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":22474,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21000,"net_nifa":21000,"tfa":21000,"net_tfa":21000,"tfa_he":21000,"tw":37546,"age":58,"inc":30528,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":21000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":500,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":3600,"net_nifa":-6400,"tfa":4100,"net_tfa":-5900,"tfa_he":14100,"tw":17220,"age":52,"inc":30045,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":-5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":45,"net_nifa":45,"tfa":45,"net_tfa":45,"tfa_he":25045,"tw":28395,"age":62,"inc":13218,"fsize":2,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":45,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":1400,"age":27,"inc":32106,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1488,"net_nifa":288,"tfa":4988,"net_tfa":3788,"tfa_he":3788,"tw":7138,"age":43,"inc":23667,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":3788,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":7999,"net_nifa":7883,"tfa":34999,"net_tfa":34883,"tfa_he":79883,"tw":82642,"age":62,"inc":13836,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":34883,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":18000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67560,"net_nifa":67560,"tfa":85560,"net_tfa":85560,"tfa_he":85560,"tw":85560,"age":49,"inc":17169,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.28831,"net_n401":85560,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":92000,"hequity":78000,"nifa":3800,"net_nifa":-16700,"tfa":3800,"net_tfa":-16700,"tfa_he":61300,"tw":138300,"age":34,"inc":64821,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-16700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-400,"tfa":1600,"net_tfa":-400,"tfa_he":-400,"tw":600,"age":43,"inc":19392,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":37000,"hmort":4200,"hequity":32800,"nifa":100,"net_nifa":-4900,"tfa":100,"net_tfa":-4900,"tfa_he":27900,"tw":27900,"age":29,"inc":36873,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":900,"net_nifa":600,"tfa":8900,"net_tfa":8600,"tfa_he":28600,"tw":32025,"age":38,"inc":14415,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":8600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":1000,"net_nifa":988,"tfa":1000,"net_tfa":988,"tfa_he":7988,"tw":22679,"age":27,"inc":12933,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":988,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":400,"a401":0,"hval":6000,"hmort":4000,"hequity":2000,"nifa":1005,"net_nifa":555,"tfa":1405,"net_tfa":955,"tfa_he":2955,"tw":5305,"age":40,"inc":14640,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":955,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10248,"a401":0,"hval":49900,"hmort":42000,"hequity":7900,"nifa":2680,"net_nifa":-4556,"tfa":12928,"net_tfa":5692,"tfa_he":13592,"tw":13592,"age":33,"inc":49845,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":5692,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":56200,"net_nifa":54700,"tfa":56200,"net_tfa":54700,"tfa_he":134700,"tw":347827,"age":58,"inc":31575,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":54700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":46000,"hequity":12000,"nifa":1170,"net_nifa":-3530,"tfa":1170,"net_tfa":-3530,"tfa_he":8470,"tw":16470,"age":31,"inc":44853,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-3530,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":40000,"tw":40000,"age":52,"inc":945,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8600,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":3200,"net_nifa":3200,"tfa":11800,"net_tfa":11800,"tfa_he":16800,"tw":36800,"age":55,"inc":21801,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":11800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":23000,"hmort":0,"hequity":23000,"nifa":0,"net_nifa":-275,"tfa":0,"net_tfa":-275,"tfa_he":22725,"tw":22725,"age":27,"inc":17040,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-275,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":927,"net_nifa":-4823,"tfa":927,"net_tfa":-4823,"tfa_he":-4823,"tw":-4823,"age":35,"inc":20103,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-4823,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15800,"a401":0,"hval":130000,"hmort":92300,"hequity":37700,"nifa":2700,"net_nifa":-2300,"tfa":18500,"net_tfa":13500,"tfa_he":51200,"tw":51200,"age":27,"inc":59901,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":13500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":76000,"hequity":4000,"nifa":300,"net_nifa":-4900,"tfa":300,"net_tfa":-4900,"tfa_he":-900,"tw":69600,"age":42,"inc":39300,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":89000,"hmort":0,"hequity":89000,"nifa":7400,"net_nifa":7400,"tfa":20400,"net_tfa":20400,"tfa_he":109400,"tw":114319,"age":61,"inc":20766,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":20400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19200,"a401":0,"hval":150000,"hmort":90000,"hequity":60000,"nifa":6499,"net_nifa":6499,"tfa":25699,"net_tfa":25699,"tfa_he":85699,"tw":94699,"age":28,"inc":58923,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":25699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-9090,"tfa":800,"net_tfa":-9090,"tfa_he":-9090,"tw":-9090,"age":50,"inc":31974,"fsize":4,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-9090,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4400,"a401":0,"hval":145000,"hmort":102000,"hequity":43000,"nifa":18700,"net_nifa":17800,"tfa":27100,"net_tfa":26200,"tfa_he":69200,"tw":80200,"age":27,"inc":18810,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14649,"net_n401":22200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":30000,"hequity":80000,"nifa":328,"net_nifa":-2172,"tfa":328,"net_tfa":-2172,"tfa_he":77828,"tw":93828,"age":39,"inc":60594,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2172,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":18000,"hequity":77000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":77000,"tw":86999,"age":38,"inc":31158,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1154,"tfa":200,"net_tfa":-1154,"tfa_he":-1154,"tw":2346,"age":33,"inc":39234,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-1154,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":0,"hequity":3000,"nifa":0,"net_nifa":-1538,"tfa":0,"net_tfa":-1538,"tfa_he":1462,"tw":2666,"age":28,"inc":12636,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-1538,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5200,"hmort":0,"hequity":5200,"nifa":523,"net_nifa":523,"tfa":523,"net_tfa":523,"tfa_he":5723,"tw":6723,"age":60,"inc":7437,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":523,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":13000,"hequity":12000,"nifa":0,"net_nifa":-250,"tfa":0,"net_tfa":-250,"tfa_he":11750,"tw":11750,"age":49,"inc":14226,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":67500,"hequity":42500,"nifa":1749,"net_nifa":1179,"tfa":1749,"net_tfa":1179,"tfa_he":43679,"tw":43679,"age":50,"inc":42480,"fsize":2,"educ":2,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":1179,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2700,"a401":0,"hval":284000,"hmort":124000,"hequity":160000,"nifa":24000,"net_nifa":21900,"tfa":26700,"net_tfa":24600,"tfa_he":184600,"tw":184600,"age":32,"inc":62385,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":24600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-21250,"tfa":100,"net_tfa":-21250,"tfa_he":-21250,"tw":-20975,"age":25,"inc":13026,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-21250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":142000,"hequity":18000,"nifa":4650,"net_nifa":4500,"tfa":4650,"net_tfa":4500,"tfa_he":22500,"tw":22500,"age":33,"inc":30075,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":105,"net_nifa":-295,"tfa":105,"net_tfa":-295,"tfa_he":-295,"tw":6704,"age":36,"inc":32316,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-295,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":31000,"hequity":24000,"nifa":1800,"net_nifa":1600,"tfa":1800,"net_tfa":1600,"tfa_he":25600,"tw":25600,"age":40,"inc":34680,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2308,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13624,"net_nifa":13624,"tfa":15932,"net_tfa":15932,"tfa_he":15932,"tw":18132,"age":35,"inc":17877,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":15932,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":44115,"hequity":10885,"nifa":60,"net_nifa":-540,"tfa":60,"net_tfa":-540,"tfa_he":10345,"tw":10345,"age":31,"inc":27036,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-540,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":176000,"hmort":150000,"hequity":26000,"nifa":15559,"net_nifa":11109,"tfa":15559,"net_tfa":11109,"tfa_he":37109,"tw":168562,"age":48,"inc":32565,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":11109,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":36,"inc":21210,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":52000,"hequity":33000,"nifa":5000,"net_nifa":1815,"tfa":5000,"net_tfa":1815,"tfa_he":34815,"tw":50815,"age":29,"inc":20490,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1815,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":22000,"hequity":63000,"nifa":10000,"net_nifa":9200,"tfa":10000,"net_tfa":9200,"tfa_he":72200,"tw":76100,"age":61,"inc":18759,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":9200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":275000,"hmort":48000,"hequity":227000,"nifa":3500,"net_nifa":2500,"tfa":3500,"net_tfa":2500,"tfa_he":229500,"tw":379500,"age":61,"inc":24108,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":45000,"tw":46900,"age":32,"inc":8841,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-5000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2250,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":11763,"net_nifa":7668,"tfa":14013,"net_tfa":9918,"tfa_he":34918,"tw":36418,"age":39,"inc":23046,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":9918,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11100,"net_nifa":11100,"tfa":11100,"net_tfa":11100,"tfa_he":11100,"tw":11100,"age":29,"inc":28440,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":11100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":0,"hequity":140000,"nifa":15000,"net_nifa":15000,"tfa":15000,"net_tfa":15000,"tfa_he":155000,"tw":155000,"age":58,"inc":52590,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-7600,"tfa":1400,"net_tfa":-7600,"tfa_he":-7600,"tw":-3700,"age":27,"inc":16830,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-7600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":165000,"hmort":15000,"hequity":150000,"nifa":5999,"net_nifa":2999,"tfa":31999,"net_tfa":28999,"tfa_he":178999,"tw":186499,"age":42,"inc":55110,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":28999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2200,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":11000,"net_nifa":11000,"tfa":13200,"net_tfa":13200,"tfa_he":53200,"tw":75200,"age":47,"inc":57600,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":13200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":0,"hval":88000,"hmort":68000,"hequity":20000,"nifa":27048,"net_nifa":25848,"tfa":45048,"net_tfa":43848,"tfa_he":63848,"tw":63848,"age":40,"inc":50364,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":43848,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":4400,"hequity":95600,"nifa":3199,"net_nifa":1488,"tfa":3199,"net_tfa":1488,"tfa_he":97088,"tw":102428,"age":63,"inc":18600,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1488,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-5600,"tfa":400,"net_tfa":-5600,"tfa_he":-5600,"tw":-5600,"age":31,"inc":20880,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-5600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-2150,"tfa":150,"net_tfa":-2150,"tfa_he":-2150,"tw":575,"age":50,"inc":24939,"fsize":6,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-2800,"tfa":900,"net_tfa":-2800,"tfa_he":-2800,"tw":-1225,"age":25,"inc":32979,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-2800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":1125,"age":42,"inc":24225,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":2400,"tfa":2400,"net_tfa":2400,"tfa_he":2400,"tw":11544,"age":42,"inc":37851,"fsize":6,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":2400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":62,"inc":33228,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":200000,"hmort":135000,"hequity":65000,"nifa":58121,"net_nifa":58121,"tfa":58121,"net_tfa":58121,"tfa_he":123121,"tw":167192,"age":51,"inc":136914,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":58121,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-1650,"tfa":10350,"net_tfa":8350,"tfa_he":8350,"tw":11350,"age":52,"inc":28893,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1650,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":15000,"hequity":25000,"nifa":4258,"net_nifa":4258,"tfa":4258,"net_tfa":4258,"tfa_he":29258,"tw":29258,"age":40,"inc":40896,"fsize":5,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":4258,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":39900,"hequity":30100,"nifa":49,"net_nifa":-451,"tfa":49,"net_tfa":-451,"tfa_he":29649,"tw":32649,"age":60,"inc":24996,"fsize":4,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-451,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":49500,"hequity":5500,"nifa":1500,"net_nifa":-2720,"tfa":1500,"net_tfa":-2720,"tfa_he":2780,"tw":9780,"age":34,"inc":42600,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2720,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1700,"a401":0,"hval":90000,"hmort":20000,"hequity":70000,"nifa":650,"net_nifa":-3350,"tfa":2350,"net_tfa":-1650,"tfa_he":68350,"tw":72050,"age":53,"inc":38988,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":-1650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":-5000,"tfa":3500,"net_tfa":-5000,"tfa_he":-5000,"tw":-3100,"age":50,"inc":57024,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1149,"net_nifa":1149,"tfa":6149,"net_tfa":6149,"tfa_he":6149,"tw":6149,"age":41,"inc":13098,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.32681,"net_n401":6149,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":399,"net_nifa":269,"tfa":399,"net_tfa":269,"tfa_he":10269,"tw":47775,"age":49,"inc":10992,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":269,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5198,"a401":0,"hval":120000,"hmort":33000,"hequity":87000,"nifa":45250,"net_nifa":42150,"tfa":50448,"net_tfa":47348,"tfa_he":134348,"tw":140823,"age":49,"inc":45729,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":47348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-765,"tfa":200,"net_tfa":-765,"tfa_he":-765,"tw":3118,"age":33,"inc":11952,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-765,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4035,"a401":0,"hval":183000,"hmort":30000,"hequity":153000,"nifa":5000,"net_nifa":5000,"tfa":9035,"net_tfa":9035,"tfa_he":162035,"tw":165635,"age":49,"inc":38700,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":9035,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":6500,"age":32,"inc":34680,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":67000,"hequity":3000,"nifa":160,"net_nifa":-6705,"tfa":160,"net_tfa":-6705,"tfa_he":-3705,"tw":1295,"age":32,"inc":49329,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-6705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1150,"net_nifa":-50,"tfa":1150,"net_tfa":-50,"tfa_he":-50,"tw":32792,"age":30,"inc":12051,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-14600,"tfa":700,"net_tfa":-14600,"tfa_he":-14600,"tw":-14600,"age":32,"inc":7530,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-14600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":49000,"hequity":0,"nifa":525,"net_nifa":525,"tfa":525,"net_tfa":525,"tfa_he":525,"tw":8986,"age":39,"inc":40800,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":525,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":1499,"tw":11999,"age":34,"inc":41490,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":1499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":92000,"hmort":82000,"hequity":10000,"nifa":1000,"net_nifa":-1300,"tfa":1000,"net_tfa":-1300,"tfa_he":8700,"tw":8700,"age":38,"inc":66300,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":1540,"tfa":1600,"net_tfa":1540,"tfa_he":1540,"tw":8534,"age":31,"inc":10356,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":1540,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-1150,"tfa":350,"net_tfa":-1150,"tfa_he":-1150,"tw":-1150,"age":54,"inc":24318,"fsize":6,"educ":2,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-1150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3800,"net_nifa":2800,"tfa":3800,"net_tfa":2800,"tfa_he":2800,"tw":5466,"age":29,"inc":41031,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":2800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7500,"hmort":5000,"hequity":2500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2500,"tw":4500,"age":47,"inc":2700,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":8256,"fsize":5,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-5500,"tfa":1300,"net_tfa":-5500,"tfa_he":-5500,"tw":7500,"age":27,"inc":25527,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-5500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":-4501,"tfa":999,"net_tfa":-4501,"tfa_he":-4501,"tw":2499,"age":36,"inc":19251,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-4501,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1030,"net_nifa":-3970,"tfa":1030,"net_tfa":-3970,"tfa_he":-3970,"tw":9830,"age":45,"inc":64791,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-3970,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":42777,"fsize":2,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":170,"net_nifa":-20930,"tfa":170,"net_tfa":-20930,"tfa_he":-20930,"tw":570,"age":32,"inc":21609,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-20930,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":28053,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":33750,"hequity":1250,"nifa":34547,"net_nifa":34397,"tfa":34547,"net_tfa":34397,"tfa_he":35647,"tw":38572,"age":56,"inc":27021,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":34397,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":19170,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":1500,"age":39,"inc":13566,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":50000,"hequity":250000,"nifa":8000,"net_nifa":1000,"tfa":8000,"net_tfa":1000,"tfa_he":251000,"tw":251000,"age":28,"inc":28554,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1225,"net_nifa":1225,"tfa":1225,"net_tfa":1225,"tfa_he":1225,"tw":5400,"age":35,"inc":24549,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1225,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1667,"net_nifa":1667,"tfa":1667,"net_tfa":1667,"tfa_he":1667,"tw":7492,"age":39,"inc":25728,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":1667,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":1100,"tfa":1100,"net_tfa":1100,"tfa_he":1100,"tw":1600,"age":41,"inc":18090,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7200,"net_nifa":6200,"tfa":7200,"net_tfa":6200,"tfa_he":6200,"tw":7400,"age":49,"inc":19809,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":6200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":45000,"hequity":4000,"nifa":23850,"net_nifa":23850,"tfa":23850,"net_tfa":23850,"tfa_he":27850,"tw":30788,"age":33,"inc":34806,"fsize":3,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":23850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":210,"net_nifa":-3290,"tfa":210,"net_tfa":-3290,"tfa_he":-3290,"tw":60,"age":28,"inc":21582,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-3290,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":105000,"hequity":85000,"nifa":2448,"net_nifa":-8252,"tfa":2448,"net_tfa":-8252,"tfa_he":76748,"tw":78048,"age":47,"inc":30663,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-8252,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-10600,"tfa":400,"net_tfa":-10600,"tfa_he":-10600,"tw":7600,"age":30,"inc":15840,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-10600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":1499,"tw":6999,"age":39,"inc":31860,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":1499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":3100,"tfa":4000,"net_tfa":3100,"tfa_he":3100,"tw":3100,"age":27,"inc":28860,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":3100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":13896,"fsize":7,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":44900,"hequity":14100,"nifa":16,"net_nifa":-2384,"tfa":16,"net_tfa":-2384,"tfa_he":11716,"tw":22391,"age":36,"inc":17883,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-2384,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":51000,"hequity":9000,"nifa":14400,"net_nifa":-4500,"tfa":14400,"net_tfa":-4500,"tfa_he":4500,"tw":21906,"age":35,"inc":50910,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":7146,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":0,"tfa":2400,"net_tfa":0,"tfa_he":0,"tw":1500,"age":30,"inc":20310,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2,"net_nifa":-3998,"tfa":2,"net_tfa":-3998,"tfa_he":-3998,"tw":-648,"age":34,"inc":5865,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-3998,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":532,"net_nifa":482,"tfa":532,"net_tfa":482,"tfa_he":482,"tw":482,"age":25,"inc":13182,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":482,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":100000,"hequity":75000,"nifa":122998,"net_nifa":104698,"tfa":122998,"net_tfa":104698,"tfa_he":179698,"tw":189698,"age":44,"inc":109125,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":104698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":99000,"hmort":0,"hequity":99000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":99000,"tw":99000,"age":28,"inc":4044,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-350,"tfa":300,"net_tfa":-350,"tfa_he":-350,"tw":3000,"age":26,"inc":15330,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":60000,"hequity":30000,"nifa":50800,"net_nifa":40800,"tfa":50800,"net_tfa":40800,"tfa_he":70800,"tw":172800,"age":54,"inc":74040,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":40800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-12500,"tfa":1500,"net_tfa":-12500,"tfa_he":-12500,"tw":-10000,"age":27,"inc":46050,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-12500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":103000,"hequity":47000,"nifa":30700,"net_nifa":16700,"tfa":30700,"net_tfa":16700,"tfa_he":63700,"tw":73700,"age":64,"inc":65373,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":16700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6500,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":70050,"net_nifa":69050,"tfa":76550,"net_tfa":75550,"tfa_he":75550,"tw":80550,"age":33,"inc":78519,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":75550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":4600,"tw":4600,"age":38,"inc":17700,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3630,"net_nifa":3630,"tfa":3630,"net_tfa":3630,"tfa_he":3630,"tw":7230,"age":34,"inc":34323,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":3630,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1245,"net_nifa":-4355,"tfa":1245,"net_tfa":-4355,"tfa_he":-4355,"tw":161645,"age":25,"inc":33843,"fsize":3,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-4355,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":2900,"age":42,"inc":12240,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35,"net_nifa":-205,"tfa":35,"net_tfa":-205,"tfa_he":-205,"tw":295,"age":32,"inc":15552,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-205,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":-500,"age":25,"inc":19380,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":27000,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":5000,"tw":13500,"age":37,"inc":31830,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":58000,"hequity":5000,"nifa":500,"net_nifa":-600,"tfa":500,"net_tfa":-600,"tfa_he":4400,"tw":4400,"age":27,"inc":32436,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":899,"net_nifa":899,"tfa":899,"net_tfa":899,"tfa_he":899,"tw":899,"age":51,"inc":46746,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":595,"net_nifa":-205,"tfa":595,"net_tfa":-205,"tfa_he":-205,"tw":6295,"age":26,"inc":15699,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-205,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":111000,"hmort":33000,"hequity":78000,"nifa":26459,"net_nifa":24109,"tfa":26459,"net_tfa":24109,"tfa_he":102109,"tw":111109,"age":47,"inc":88413,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":24109,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":2300,"net_nifa":300,"tfa":2300,"net_tfa":300,"tfa_he":20300,"tw":25896,"age":29,"inc":21891,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":131,"net_nifa":131,"tfa":131,"net_tfa":131,"tfa_he":18131,"tw":18131,"age":39,"inc":11604,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":131,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":55000,"hequity":90000,"nifa":23999,"net_nifa":21999,"tfa":23999,"net_tfa":21999,"tfa_he":111999,"tw":226999,"age":33,"inc":10860,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":21999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1300,"tfa":0,"net_tfa":-1300,"tfa_he":-1300,"tw":-1300,"age":47,"inc":8400,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1758,"net_nifa":-1742,"tfa":1758,"net_tfa":-1742,"tfa_he":-1742,"tw":-108,"age":40,"inc":12015,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1742,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":1299,"net_nifa":-1228,"tfa":1299,"net_tfa":-1228,"tfa_he":43772,"tw":43772,"age":31,"inc":21450,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-1228,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-930,"tfa":200,"net_tfa":-930,"tfa_he":-930,"tw":5070,"age":31,"inc":12600,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-930,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":15000,"hequity":40000,"nifa":600,"net_nifa":-1200,"tfa":600,"net_tfa":-1200,"tfa_he":38800,"tw":78800,"age":29,"inc":30489,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":125000,"hequity":175000,"nifa":5999,"net_nifa":1999,"tfa":5999,"net_tfa":1999,"tfa_he":176999,"tw":176999,"age":38,"inc":69270,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8800,"a401":0,"hval":55000,"hmort":26580,"hequity":28420,"nifa":1700,"net_nifa":1500,"tfa":10500,"net_tfa":10300,"tfa_he":38720,"tw":38720,"age":35,"inc":41733,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":4800,"net_nifa":4800,"tfa":4800,"net_tfa":4800,"tfa_he":79800,"tw":80300,"age":55,"inc":9843,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":4800,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":29000,"a401":0,"hval":120000,"hmort":118000,"hequity":2000,"nifa":82600,"net_nifa":81500,"tfa":111600,"net_tfa":110500,"tfa_he":112500,"tw":239600,"age":56,"inc":96147,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":110500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":135000,"hmort":77000,"hequity":58000,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":56800,"tw":56800,"age":51,"inc":53226,"fsize":8,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":53000,"hequity":247000,"nifa":600,"net_nifa":0,"tfa":600,"net_tfa":0,"tfa_he":247000,"tw":252000,"age":45,"inc":28152,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":12240,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9900,"net_nifa":9900,"tfa":9900,"net_tfa":9900,"tfa_he":9900,"tw":43262,"age":30,"inc":73458,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":9900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":25000,"hequity":165000,"nifa":6500,"net_nifa":-4500,"tfa":6500,"net_tfa":-4500,"tfa_he":160500,"tw":160500,"age":54,"inc":65550,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":9384,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-45000,"tfa":0,"net_tfa":-45000,"tfa_he":-45000,"tw":-39757,"age":30,"inc":23004,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-45000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":106000,"hequity":84000,"nifa":2100,"net_nifa":-9900,"tfa":2100,"net_tfa":-9900,"tfa_he":74100,"tw":79325,"age":50,"inc":87708,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":-9900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":18500,"hequity":19500,"nifa":127,"net_nifa":-1136,"tfa":127,"net_tfa":-1136,"tfa_he":18364,"tw":19734,"age":49,"inc":21030,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1136,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":13749,"net_nifa":13749,"tfa":13749,"net_tfa":13749,"tfa_he":53749,"tw":226628,"age":62,"inc":15009,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":13749,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":16000,"hequity":4000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":4200,"tw":4200,"age":63,"inc":17418,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":4000,"net_nifa":4000,"tfa":9000,"net_tfa":9000,"tfa_he":34000,"tw":38000,"age":54,"inc":19950,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":9000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":118011,"hequity":1989,"nifa":500,"net_nifa":-11700,"tfa":500,"net_tfa":-11700,"tfa_he":-9711,"tw":-9711,"age":37,"inc":56529,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-11700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":-900,"tw":-900,"age":30,"inc":27930,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":26000,"net_nifa":23000,"tfa":42000,"net_tfa":39000,"tfa_he":189000,"tw":193175,"age":47,"inc":21996,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":39000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":15999,"net_nifa":14299,"tfa":15999,"net_tfa":14299,"tfa_he":94299,"tw":94299,"age":44,"inc":73902,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":14299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":225000,"hmort":73000,"hequity":152000,"nifa":4000,"net_nifa":4000,"tfa":12000,"net_tfa":12000,"tfa_he":164000,"tw":164000,"age":40,"inc":38868,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":1253,"net_nifa":-3447,"tfa":1253,"net_tfa":-3447,"tfa_he":31553,"tw":34553,"age":63,"inc":30294,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-3447,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":1619,"net_nifa":1019,"tfa":1619,"net_tfa":1019,"tfa_he":31019,"tw":31519,"age":60,"inc":5391,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":1019,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":5466,"age":28,"inc":12750,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35950,"net_nifa":35950,"tfa":48950,"net_tfa":48950,"tfa_he":48950,"tw":54411,"age":43,"inc":48300,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":48950,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4679,"age":25,"inc":22683,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":-7000,"tw":-6500,"age":36,"inc":25266,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":50,"tfa":800,"net_tfa":50,"tfa_he":50,"tw":18604,"age":28,"inc":30363,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":75000,"tw":78550,"age":47,"inc":21420,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-55,"tfa":0,"net_tfa":-55,"tfa_he":-55,"tw":-55,"age":44,"inc":9693,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-55,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":100000,"hmort":90000,"hequity":10000,"nifa":20999,"net_nifa":20999,"tfa":37499,"net_tfa":37499,"tfa_he":47499,"tw":47499,"age":38,"inc":65949,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":37499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5000,"age":30,"inc":15690,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":215000,"hmort":99000,"hequity":116000,"nifa":1999,"net_nifa":1499,"tfa":14999,"net_tfa":14499,"tfa_he":130499,"tw":130499,"age":42,"inc":50835,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":14499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":75000,"hmort":52000,"hequity":23000,"nifa":2000,"net_nifa":-1600,"tfa":7000,"net_tfa":3400,"tfa_he":26400,"tw":30400,"age":36,"inc":42330,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":9864,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":53,"inc":9990,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":0,"net_nifa":-10500,"tfa":0,"net_tfa":-10500,"tfa_he":14500,"tw":66500,"age":57,"inc":8190,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-10500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":38000,"hmort":38000,"hequity":0,"nifa":35300,"net_nifa":20300,"tfa":35300,"net_tfa":20300,"tfa_he":20300,"tw":58600,"age":50,"inc":46632,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":20300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4,"net_nifa":-4596,"tfa":4,"net_tfa":-4596,"tfa_he":-4596,"tw":-3846,"age":25,"inc":30834,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-4596,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":850,"age":28,"inc":100026,"fsize":2,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.32013,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-10250,"tfa":750,"net_tfa":-10250,"tfa_he":-10250,"tw":-3900,"age":25,"inc":12555,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-10250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":10000,"hequity":30000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":30200,"tw":33844,"age":38,"inc":8406,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":300,"tfa":900,"net_tfa":500,"tfa_he":500,"tw":4550,"age":47,"inc":36000,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":2000,"net_nifa":1500,"tfa":4000,"net_tfa":3500,"tfa_he":63500,"tw":63600,"age":55,"inc":33681,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-1700,"tfa":1300,"net_tfa":-700,"tfa_he":-700,"tw":10662,"age":26,"inc":15315,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":-700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":-2500,"tfa":5500,"net_tfa":-2500,"tfa_he":-2500,"tw":-2500,"age":42,"inc":123246,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":-2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":32900,"hequity":15100,"nifa":21000,"net_nifa":-9000,"tfa":21000,"net_tfa":-9000,"tfa_he":6100,"tw":21354,"age":33,"inc":109608,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":36,"inc":8400,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":68000,"hequity":67000,"nifa":11568,"net_nifa":11168,"tfa":11568,"net_tfa":11168,"tfa_he":78168,"tw":78168,"age":37,"inc":43053,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":11168,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-583,"tfa":0,"net_tfa":-583,"tfa_he":-583,"tw":-583,"age":32,"inc":16320,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-583,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":100000,"hmort":55000,"hequity":45000,"nifa":8000,"net_nifa":8000,"tfa":13000,"net_tfa":13000,"tfa_he":58000,"tw":58000,"age":41,"inc":19020,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14649,"net_n401":13000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":52000,"hequity":33000,"nifa":3200,"net_nifa":-1800,"tfa":3200,"net_tfa":-1800,"tfa_he":31200,"tw":31200,"age":52,"inc":66603,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":2800,"tfa":4100,"net_tfa":4100,"tfa_he":4100,"tw":4100,"age":40,"inc":50634,"fsize":3,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.55004,"net_n401":4100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":100000,"hequity":70000,"nifa":350,"net_nifa":-2100,"tfa":350,"net_tfa":-2100,"tfa_he":67900,"tw":68650,"age":48,"inc":18564,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":10,"net_nifa":-335,"tfa":10,"net_tfa":-335,"tfa_he":9665,"tw":10665,"age":40,"inc":14373,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-335,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":5055,"tfa":7500,"net_tfa":7055,"tfa_he":7055,"tw":8055,"age":37,"inc":26391,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":7055,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":35000,"a401":0,"hval":100000,"hmort":32000,"hequity":68000,"nifa":92499,"net_nifa":90599,"tfa":127499,"net_tfa":125599,"tfa_he":193599,"tw":223599,"age":44,"inc":77730,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":125599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7900,"a401":0,"hval":55000,"hmort":52000,"hequity":3000,"nifa":50200,"net_nifa":50200,"tfa":58100,"net_tfa":58100,"tfa_he":61100,"tw":83962,"age":45,"inc":32250,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":58100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":710,"tfa":750,"net_tfa":710,"tfa_he":710,"tw":710,"age":31,"inc":39891,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":710,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":39000,"hequity":0,"nifa":185,"net_nifa":-4815,"tfa":185,"net_tfa":-4815,"tfa_he":-4815,"tw":-4815,"age":36,"inc":29976,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4815,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":126,"net_nifa":-1394,"tfa":2126,"net_tfa":606,"tfa_he":606,"tw":2831,"age":37,"inc":21603,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":606,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":2200,"age":48,"inc":10800,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":7000,"hequity":23000,"nifa":600,"net_nifa":-3650,"tfa":600,"net_tfa":-3650,"tfa_he":19350,"tw":29350,"age":37,"inc":20424,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":35,"net_nifa":35,"tfa":35,"net_tfa":35,"tfa_he":70035,"tw":75035,"age":57,"inc":22440,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":35,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":53000,"hequity":22000,"nifa":250,"net_nifa":-3250,"tfa":250,"net_tfa":-3250,"tfa_he":18750,"tw":22250,"age":27,"inc":29766,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":600,"tfa":1200,"net_tfa":600,"tfa_he":600,"tw":600,"age":60,"inc":16980,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":55000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":138748,"net_nifa":138048,"tfa":193748,"net_tfa":193048,"tfa_he":193048,"tw":234048,"age":38,"inc":14025,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11816,"net_n401":193048,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":200000,"hmort":22000,"hequity":178000,"nifa":28600,"net_nifa":28600,"tfa":53600,"net_tfa":53600,"tfa_he":231600,"tw":253600,"age":38,"inc":76362,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":53600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":89000,"hmort":35000,"hequity":54000,"nifa":4500,"net_nifa":1900,"tfa":7000,"net_tfa":4400,"tfa_he":58400,"tw":62200,"age":39,"inc":46140,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":0,"hequity":72000,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":72049,"tw":72049,"age":64,"inc":13497,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":49,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":39999,"tw":39999,"age":48,"inc":39720,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":80100,"tw":80850,"age":61,"inc":4635,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1250,"net_nifa":-7750,"tfa":1250,"net_tfa":-7750,"tfa_he":-7750,"tw":-3084,"age":25,"inc":37200,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-7750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":91000,"hmort":91000,"hequity":0,"nifa":200,"net_nifa":-6300,"tfa":200,"net_tfa":-6300,"tfa_he":-6300,"tw":83700,"age":33,"inc":11238,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-6300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3,"net_nifa":-10397,"tfa":3,"net_tfa":-10397,"tfa_he":-10397,"tw":-10397,"age":33,"inc":9150,"fsize":9,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-10397,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":150000,"hmort":89000,"hequity":61000,"nifa":9850,"net_nifa":9850,"tfa":18850,"net_tfa":18850,"tfa_he":79850,"tw":269850,"age":36,"inc":52290,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":18850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":22500,"hequity":35500,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":36300,"tw":50761,"age":38,"inc":48651,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":150000,"hequity":10000,"nifa":23500,"net_nifa":22600,"tfa":23500,"net_tfa":22600,"tfa_he":32600,"tw":48600,"age":36,"inc":24642,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":22600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":21000,"hmort":7000,"hequity":14000,"nifa":0,"net_nifa":-2100,"tfa":0,"net_tfa":-2100,"tfa_he":11900,"tw":17900,"age":46,"inc":6075,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-2100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":50,"inc":14292,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":13794,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":550,"net_nifa":-4550,"tfa":550,"net_tfa":-4550,"tfa_he":145450,"tw":151450,"age":45,"inc":32409,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":0,"net_nifa":-750,"tfa":0,"net_tfa":-750,"tfa_he":-750,"tw":6211,"age":30,"inc":27000,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":42000,"hequity":15000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":15000,"tw":15500,"age":27,"inc":5943,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":234000,"hmort":0,"hequity":234000,"nifa":80000,"net_nifa":80000,"tfa":100000,"net_tfa":100000,"tfa_he":334000,"tw":335000,"age":54,"inc":31512,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":230,"net_nifa":-1370,"tfa":230,"net_tfa":-1370,"tfa_he":-1370,"tw":4683,"age":28,"inc":10710,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1370,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":125000,"hmort":96000,"hequity":29000,"nifa":20500,"net_nifa":17500,"tfa":27500,"net_tfa":24500,"tfa_he":53500,"tw":53500,"age":36,"inc":44595,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":24500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":21420,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":8415,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":7799,"net_nifa":7799,"tfa":40999,"net_tfa":40999,"tfa_he":90999,"tw":90999,"age":32,"inc":68169,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":35799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":0,"hequity":28000,"nifa":200,"net_nifa":-800,"tfa":200,"net_tfa":-800,"tfa_he":27200,"tw":27200,"age":42,"inc":15384,"fsize":7,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":30000,"hequity":270000,"nifa":26000,"net_nifa":26000,"tfa":26000,"net_tfa":26000,"tfa_he":296000,"tw":370000,"age":46,"inc":60396,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":38,"inc":7968,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-800,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":64000,"hequity":2000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2000,"tw":4116,"age":27,"inc":33864,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":32,"inc":9780,"fsize":1,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":900,"tw":900,"age":38,"inc":16110,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":90000,"hequity":100000,"nifa":68248,"net_nifa":68248,"tfa":68248,"net_tfa":68248,"tfa_he":168248,"tw":198248,"age":44,"inc":103455,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68912,"net_n401":68248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":25600,"tw":30600,"age":52,"inc":26880,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":200,"net_nifa":-17300,"tfa":200,"net_tfa":-17300,"tfa_he":282700,"tw":582700,"age":49,"inc":33567,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-17300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26781,"a401":0,"hval":130000,"hmort":88000,"hequity":42000,"nifa":5098,"net_nifa":4598,"tfa":31879,"net_tfa":31379,"tfa_he":73379,"tw":83379,"age":43,"inc":48069,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":31379,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-8700,"tfa":3800,"net_tfa":-5200,"tfa_he":-5200,"tw":-1200,"age":40,"inc":25506,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":-5200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":110000,"hmort":71900,"hequity":38100,"nifa":12499,"net_nifa":12449,"tfa":18499,"net_tfa":18449,"tfa_he":56549,"tw":58049,"age":44,"inc":29526,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":18449,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":500,"net_nifa":-1900,"tfa":500,"net_tfa":-1900,"tfa_he":88100,"tw":94100,"age":39,"inc":25155,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":215000,"hmort":150000,"hequity":65000,"nifa":5481,"net_nifa":4981,"tfa":11481,"net_tfa":10981,"tfa_he":75981,"tw":75981,"age":43,"inc":13179,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":10981,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":123000,"hmort":75000,"hequity":48000,"nifa":2499,"net_nifa":299,"tfa":2499,"net_tfa":299,"tfa_he":48299,"tw":53299,"age":39,"inc":63150,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5298,"net_nifa":5298,"tfa":5298,"net_tfa":5298,"tfa_he":5298,"tw":5298,"age":48,"inc":51591,"fsize":5,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":5298,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45500,"hmort":0,"hequity":45500,"nifa":100,"net_nifa":-9600,"tfa":100,"net_tfa":-9600,"tfa_he":35900,"tw":38400,"age":34,"inc":13509,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-9600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":900,"tfa":1200,"net_tfa":900,"tfa_he":900,"tw":9250,"age":35,"inc":17460,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":54000,"hequity":36000,"nifa":30,"net_nifa":-1820,"tfa":30,"net_tfa":-1820,"tfa_he":34180,"tw":43276,"age":46,"inc":46356,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-1820,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":725,"a401":0,"hval":153000,"hmort":102000,"hequity":51000,"nifa":1000,"net_nifa":-3000,"tfa":1725,"net_tfa":-2275,"tfa_he":48725,"tw":50725,"age":41,"inc":34353,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":-2275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":111000,"hmort":111000,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":14500,"age":40,"inc":-9,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":69000,"hequity":31000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":33000,"tw":33000,"age":46,"inc":48858,"fsize":4,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":26535,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-5380,"tfa":20,"net_tfa":-5380,"tfa_he":-5380,"tw":-4542,"age":34,"inc":15684,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-5380,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":56000,"hequity":14000,"nifa":1250,"net_nifa":-5750,"tfa":1250,"net_tfa":-5750,"tfa_he":8250,"tw":20750,"age":28,"inc":55305,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":0,"hequity":14000,"nifa":0,"net_nifa":-26000,"tfa":0,"net_tfa":-26000,"tfa_he":-12000,"tw":-4667,"age":60,"inc":7776,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-26000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2336,"net_nifa":2136,"tfa":2336,"net_tfa":2136,"tfa_he":2136,"tw":3667,"age":26,"inc":22182,"fsize":8,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":2136,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":5899,"net_nifa":5899,"tfa":5899,"net_tfa":5899,"tfa_he":180899,"tw":180899,"age":57,"inc":38595,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-3900,"tfa":1100,"net_tfa":-3900,"tfa_he":-3900,"tw":1779,"age":31,"inc":27150,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-3900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":720,"net_nifa":-26280,"tfa":720,"net_tfa":-26280,"tfa_he":-26280,"tw":-22480,"age":34,"inc":44775,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-26280,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":2700,"age":31,"inc":12255,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":108000,"hmort":103000,"hequity":5000,"nifa":900,"net_nifa":-5100,"tfa":900,"net_tfa":-5100,"tfa_he":-100,"tw":2400,"age":40,"inc":45231,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":-5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":-2785,"tfa":15,"net_tfa":-2785,"tfa_he":-2785,"tw":-2035,"age":32,"inc":6312,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-2785,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":25626,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":220000,"hmort":74600,"hequity":145400,"nifa":2800,"net_nifa":-27200,"tfa":18800,"net_tfa":-11200,"tfa_he":134200,"tw":134200,"age":31,"inc":63303,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":-11200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-800,"tfa":300,"net_tfa":-800,"tfa_he":-800,"tw":450,"age":25,"inc":13506,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1032,"net_nifa":-13968,"tfa":1032,"net_tfa":-13968,"tfa_he":-13968,"tw":-13968,"age":50,"inc":52215,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-13968,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":39000,"hequity":3000,"nifa":1200,"net_nifa":-3000,"tfa":1200,"net_tfa":-3000,"tfa_he":0,"tw":1500,"age":38,"inc":42552,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5533,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":92300,"net_nifa":91800,"tfa":97833,"net_tfa":97333,"tfa_he":97333,"tw":97333,"age":63,"inc":44799,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":97333,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":55500,"hequity":24500,"nifa":2500,"net_nifa":1300,"tfa":2500,"net_tfa":1300,"tfa_he":25800,"tw":29200,"age":28,"inc":51984,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":4000,"tfa":10000,"net_tfa":4000,"tfa_he":4000,"tw":4000,"age":37,"inc":83925,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.32013,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-7400,"tfa":600,"net_tfa":-7400,"tfa_he":-7400,"tw":-6650,"age":35,"inc":17475,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-7400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":98,"net_nifa":-10002,"tfa":98,"net_tfa":-10002,"tfa_he":-10002,"tw":-9602,"age":32,"inc":11667,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-10002,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60500,"age":45,"inc":7752,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":12000,"tw":12000,"age":45,"inc":17829,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":12500,"hmort":12500,"hequity":0,"nifa":125,"net_nifa":-1425,"tfa":125,"net_tfa":-1425,"tfa_he":-1425,"tw":-1425,"age":45,"inc":24645,"fsize":5,"educ":11,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-1425,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":18000,"hequity":42000,"nifa":428,"net_nifa":428,"tfa":428,"net_tfa":428,"tfa_he":42428,"tw":45428,"age":64,"inc":21657,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":428,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":170000,"hmort":103000,"hequity":67000,"nifa":500,"net_nifa":-4000,"tfa":500,"net_tfa":-4000,"tfa_he":63000,"tw":67000,"age":31,"inc":24030,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":6000,"tfa":7000,"net_tfa":6000,"tfa_he":6000,"tw":63861,"age":60,"inc":35277,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":6000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3030,"net_nifa":1680,"tfa":3030,"net_tfa":1680,"tfa_he":1680,"tw":5680,"age":38,"inc":32928,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":1680,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-250,"tfa":100,"net_tfa":-250,"tfa_he":-250,"tw":-250,"age":37,"inc":20676,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":240000,"hmort":138000,"hequity":102000,"nifa":74999,"net_nifa":73499,"tfa":80999,"net_tfa":79499,"tfa_he":181499,"tw":219241,"age":40,"inc":42900,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.44148,"net_n401":79499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":-7000,"tw":-6500,"age":42,"inc":32220,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":25000,"hequity":14000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":14000,"tw":16539,"age":52,"inc":21891,"fsize":2,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":20000,"hequity":150000,"nifa":14999,"net_nifa":9999,"tfa":14999,"net_tfa":9999,"tfa_he":159999,"tw":159999,"age":47,"inc":24900,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15000,"hequity":20000,"nifa":500,"net_nifa":-750,"tfa":500,"net_tfa":-750,"tfa_he":19250,"tw":20650,"age":64,"inc":15600,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":70000,"hequity":5000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":5300,"tw":262300,"age":52,"inc":32388,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":748,"net_nifa":-2552,"tfa":748,"net_tfa":-2552,"tfa_he":67448,"tw":67448,"age":30,"inc":33720,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2552,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2899,"net_nifa":-101,"tfa":2899,"net_tfa":-101,"tfa_he":-101,"tw":-101,"age":56,"inc":30165,"fsize":3,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-101,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1249,"net_nifa":949,"tfa":1249,"net_tfa":949,"tfa_he":949,"tw":949,"age":33,"inc":16731,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":949,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":26000,"hequity":34000,"nifa":0,"net_nifa":-5700,"tfa":0,"net_tfa":-5700,"tfa_he":28300,"tw":34300,"age":32,"inc":28872,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60,"net_nifa":-9940,"tfa":60,"net_tfa":-9940,"tfa_he":-9940,"tw":-5415,"age":39,"inc":24576,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-9940,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":3059,"net_nifa":2559,"tfa":3059,"net_tfa":2559,"tfa_he":17559,"tw":23459,"age":34,"inc":24915,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2559,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":33650,"age":42,"inc":16860,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-5150,"tfa":1500,"net_tfa":-4350,"tfa_he":-4350,"tw":4150,"age":36,"inc":46842,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.34421,"net_n401":-4350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":2640,"fsize":4,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":103000,"hequity":27000,"nifa":6750,"net_nifa":6750,"tfa":6750,"net_tfa":6750,"tfa_he":33750,"tw":44425,"age":28,"inc":28383,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":6750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4500,"tfa":4500,"net_tfa":4500,"tfa_he":4500,"tw":6366,"age":31,"inc":14712,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":4500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":41500,"hequity":3500,"nifa":2000,"net_nifa":-8000,"tfa":2000,"net_tfa":-8000,"tfa_he":-4500,"tw":-3600,"age":47,"inc":39432,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":130000,"hequity":20000,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":20350,"tw":23700,"age":29,"inc":17340,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5679,"age":37,"inc":31911,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2448,"a401":0,"hval":55000,"hmort":38221,"hequity":16779,"nifa":2707,"net_nifa":2707,"tfa":5155,"net_tfa":5155,"tfa_he":21934,"tw":30505,"age":36,"inc":35154,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":5155,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":30000,"hequity":25000,"nifa":41248,"net_nifa":40548,"tfa":41248,"net_tfa":40548,"tfa_he":65548,"tw":66298,"age":60,"inc":29100,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":40548,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-9700,"tfa":700,"net_tfa":-9700,"tfa_he":-9700,"tw":-9700,"age":29,"inc":31476,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-9700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":33,"inc":28554,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":5150,"net_nifa":4600,"tfa":5150,"net_tfa":4600,"tfa_he":64600,"tw":64600,"age":42,"inc":21300,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4700,"tfa":0,"net_tfa":-4700,"tfa_he":-4700,"tw":-3700,"age":32,"inc":33414,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":65000,"hmort":47000,"hequity":18000,"nifa":20,"net_nifa":-9980,"tfa":6020,"net_tfa":-3980,"tfa_he":14020,"tw":14570,"age":36,"inc":30480,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":-3980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":0,"hequity":39000,"nifa":7500,"net_nifa":7500,"tfa":7500,"net_tfa":7500,"tfa_he":46500,"tw":48800,"age":40,"inc":12576,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":7500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":219999,"net_nifa":219759,"tfa":219999,"net_tfa":219759,"tfa_he":304759,"tw":308409,"age":61,"inc":29130,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":219759,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3300,"net_nifa":1850,"tfa":3300,"net_tfa":1850,"tfa_he":1850,"tw":6075,"age":37,"inc":14130,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":1850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11499,"net_nifa":9499,"tfa":11499,"net_tfa":9499,"tfa_he":9499,"tw":9499,"age":29,"inc":36300,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":9499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":50000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":8000,"age":55,"inc":6564,"fsize":5,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":175000,"hmort":150000,"hequity":25000,"nifa":64450,"net_nifa":49450,"tfa":64450,"net_tfa":49450,"tfa_he":74450,"tw":279050,"age":51,"inc":105396,"fsize":1,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":49450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":260000,"hmort":106000,"hequity":154000,"nifa":305,"net_nifa":-895,"tfa":305,"net_tfa":-895,"tfa_he":153105,"tw":153480,"age":43,"inc":43044,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-895,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":49300,"tw":53300,"age":53,"inc":20412,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":2400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":16000,"hequity":4000,"nifa":800,"net_nifa":-5400,"tfa":800,"net_tfa":-5400,"tfa_he":-1400,"tw":-1400,"age":55,"inc":19548,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-5400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72500,"hmort":60000,"hequity":12500,"nifa":3338,"net_nifa":-62,"tfa":3338,"net_tfa":-62,"tfa_he":12438,"tw":15788,"age":30,"inc":25437,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-62,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":100,"net_nifa":-2200,"tfa":100,"net_tfa":-2200,"tfa_he":72800,"tw":72800,"age":35,"inc":18576,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1014,"a401":0,"hval":73000,"hmort":54400,"hequity":18600,"nifa":106,"net_nifa":-2623,"tfa":1120,"net_tfa":-1609,"tfa_he":16991,"tw":25491,"age":42,"inc":39138,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":-1609,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":-4000,"tw":-4000,"age":52,"inc":20070,"fsize":2,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-4000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":-16910,"tfa":90,"net_tfa":-16910,"tfa_he":-16910,"tw":-14710,"age":28,"inc":9624,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-16910,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":100,"a401":0,"hval":87000,"hmort":79000,"hequity":8000,"nifa":2833,"net_nifa":-407,"tfa":2933,"net_tfa":-307,"tfa_he":7693,"tw":9193,"age":37,"inc":53151,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":-307,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":70000,"hequity":5000,"nifa":50699,"net_nifa":50199,"tfa":50699,"net_tfa":50199,"tfa_he":55199,"tw":56199,"age":38,"inc":7680,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":50199,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":50000,"hmort":48000,"hequity":2000,"nifa":64500,"net_nifa":63500,"tfa":67000,"net_tfa":66000,"tfa_he":68000,"tw":68650,"age":53,"inc":22434,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":66000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-9000,"tfa":500,"net_tfa":-9000,"tfa_he":-9000,"tw":3500,"age":28,"inc":19680,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-9000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-1751,"tfa":249,"net_tfa":-1751,"tfa_he":-1751,"tw":-1001,"age":43,"inc":22473,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1751,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":44,"inc":10200,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":28000,"hequity":2000,"nifa":200,"net_nifa":-5800,"tfa":200,"net_tfa":-5800,"tfa_he":-3800,"tw":-1800,"age":34,"inc":25392,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":169000,"hmort":101000,"hequity":68000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":68999,"tw":75999,"age":53,"inc":21888,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":19700,"hequity":24300,"nifa":450,"net_nifa":-1150,"tfa":450,"net_tfa":-1150,"tfa_he":23150,"tw":23150,"age":37,"inc":17760,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-1150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":9396,"age":34,"inc":14040,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":1550,"net_nifa":-7450,"tfa":1550,"net_tfa":-7450,"tfa_he":62550,"tw":63550,"age":57,"inc":23394,"fsize":1,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":-7450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":1300,"tfa":1300,"net_tfa":1300,"tfa_he":1300,"tw":1300,"age":50,"inc":16269,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":1300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":122000,"hmort":122000,"hequity":0,"nifa":15000,"net_nifa":10000,"tfa":15000,"net_tfa":10000,"tfa_he":10000,"tw":10000,"age":26,"inc":21306,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":80000,"hequity":20000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":20200,"tw":21200,"age":38,"inc":43209,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":4000,"age":28,"inc":20940,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":77000,"hequity":13000,"nifa":5200,"net_nifa":-2800,"tfa":5200,"net_tfa":-2800,"tfa_he":10200,"tw":26600,"age":35,"inc":71310,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":80000,"hequity":110000,"nifa":30048,"net_nifa":30048,"tfa":30048,"net_tfa":30048,"tfa_he":140048,"tw":141048,"age":52,"inc":31803,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":30048,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":49500,"hmort":34000,"hequity":15500,"nifa":2410,"net_nifa":-3690,"tfa":2410,"net_tfa":-3690,"tfa_he":11810,"tw":22385,"age":43,"inc":37146,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-3690,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":5450,"age":26,"inc":14280,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":100000,"hmort":39000,"hequity":61000,"nifa":1300,"net_nifa":1300,"tfa":11300,"net_tfa":11300,"tfa_he":72300,"tw":91300,"age":56,"inc":49866,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":11300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1014,"net_nifa":-986,"tfa":1014,"net_tfa":-986,"tfa_he":-986,"tw":-986,"age":47,"inc":21300,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-986,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":47500,"hmort":34000,"hequity":13500,"nifa":103,"net_nifa":-497,"tfa":103,"net_tfa":-497,"tfa_he":13003,"tw":13003,"age":32,"inc":23238,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-497,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":27000,"hequity":15000,"nifa":2749,"net_nifa":-4311,"tfa":2749,"net_tfa":-4311,"tfa_he":10689,"tw":13764,"age":44,"inc":39114,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-4311,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":20250,"hequity":14750,"nifa":2729,"net_nifa":-2571,"tfa":2729,"net_tfa":-2571,"tfa_he":12179,"tw":13379,"age":39,"inc":53565,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2571,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":24000,"hmort":24000,"hequity":0,"nifa":8240,"net_nifa":8240,"tfa":8240,"net_tfa":8240,"tfa_he":8240,"tw":12465,"age":54,"inc":12825,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":8240,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2049,"net_nifa":2049,"tfa":6049,"net_tfa":6049,"tfa_he":156049,"tw":206049,"age":47,"inc":32568,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":6049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":1250,"net_nifa":350,"tfa":1250,"net_tfa":350,"tfa_he":75350,"tw":275350,"age":47,"inc":34059,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":159000,"hmort":0,"hequity":159000,"nifa":38010,"net_nifa":38010,"tfa":38010,"net_tfa":38010,"tfa_he":197010,"tw":205010,"age":61,"inc":26664,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":38010,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":4900,"age":33,"inc":16290,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":3375,"age":43,"inc":4740,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-200,"tfa":1000,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":43,"inc":11931,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6700,"tfa":0,"net_tfa":-6700,"tfa_he":-6700,"tw":-2154,"age":26,"inc":8148,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-6700,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":60000,"hequity":20000,"nifa":14198,"net_nifa":14098,"tfa":14198,"net_tfa":14098,"tfa_he":34098,"tw":99998,"age":50,"inc":32232,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":14098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7300,"tfa":0,"net_tfa":-7300,"tfa_he":-7300,"tw":-6300,"age":50,"inc":7182,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-7300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":64000,"hequity":26000,"nifa":35,"net_nifa":-2965,"tfa":35,"net_tfa":-2965,"tfa_he":23035,"tw":27035,"age":48,"inc":40326,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-2965,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6700,"a401":0,"hval":52000,"hmort":7200,"hequity":44800,"nifa":12000,"net_nifa":5500,"tfa":18700,"net_tfa":12200,"tfa_he":57000,"tw":60000,"age":53,"inc":46932,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":12200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":44,"inc":22410,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":37,"inc":16200,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":35000,"hequity":10000,"nifa":1049,"net_nifa":-451,"tfa":1049,"net_tfa":-451,"tfa_he":9549,"tw":11027,"age":45,"inc":35340,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":88000,"hequity":87000,"nifa":3200,"net_nifa":2700,"tfa":3200,"net_tfa":2700,"tfa_he":89700,"tw":105700,"age":34,"inc":21672,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":76000,"hequity":4000,"nifa":571,"net_nifa":71,"tfa":571,"net_tfa":71,"tfa_he":4071,"tw":8071,"age":55,"inc":32460,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":71,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":0,"hval":113000,"hmort":113000,"hequity":0,"nifa":15499,"net_nifa":13499,"tfa":30499,"net_tfa":28499,"tfa_he":28499,"tw":33741,"age":61,"inc":25992,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":28499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":100,"a401":0,"hval":90000,"hmort":81000,"hequity":9000,"nifa":1750,"net_nifa":-3250,"tfa":1850,"net_tfa":-3150,"tfa_he":5850,"tw":9825,"age":33,"inc":36549,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":-3150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2237,"net_nifa":1877,"tfa":2237,"net_tfa":1877,"tfa_he":1877,"tw":18877,"age":40,"inc":27684,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":1877,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":60,"inc":17400,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":38000,"hequity":32000,"nifa":1199,"net_nifa":-3801,"tfa":1199,"net_tfa":-3801,"tfa_he":28199,"tw":33224,"age":46,"inc":124860,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":-3801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":36900,"hequity":23100,"nifa":430,"net_nifa":-1320,"tfa":430,"net_tfa":-1320,"tfa_he":21780,"tw":30080,"age":27,"inc":41808,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-1320,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10650,"net_nifa":9750,"tfa":10650,"net_tfa":9750,"tfa_he":9750,"tw":9750,"age":59,"inc":21747,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":9750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":16,"net_nifa":-1984,"tfa":16,"net_tfa":-1984,"tfa_he":48016,"tw":55691,"age":40,"inc":16800,"fsize":2,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-1984,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":2000,"age":43,"inc":11424,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":34000,"hmort":16000,"hequity":18000,"nifa":2758,"net_nifa":258,"tfa":2758,"net_tfa":258,"tfa_he":18258,"tw":19258,"age":31,"inc":40587,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":258,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":349,"tfa":399,"net_tfa":349,"tfa_he":349,"tw":1849,"age":38,"inc":17364,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":349,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":100000,"hmort":12000,"hequity":88000,"nifa":7499,"net_nifa":7434,"tfa":15499,"net_tfa":15434,"tfa_he":103434,"tw":105434,"age":56,"inc":35772,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":15434,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13000,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":13499,"net_nifa":13499,"tfa":26499,"net_tfa":26499,"tfa_he":116499,"tw":234424,"age":55,"inc":37539,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":26499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":695,"net_nifa":-435,"tfa":695,"net_tfa":-435,"tfa_he":-435,"tw":-435,"age":45,"inc":10035,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-435,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2430,"net_nifa":2180,"tfa":2430,"net_tfa":2180,"tfa_he":2180,"tw":11155,"age":35,"inc":22350,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":2180,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":130000,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":3450,"age":38,"inc":25683,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60,"net_nifa":-1140,"tfa":60,"net_tfa":-1140,"tfa_he":-1140,"tw":4080,"age":33,"inc":44700,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":-1140,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":85000,"hequity":75000,"nifa":7000,"net_nifa":6900,"tfa":7000,"net_tfa":6900,"tfa_he":81900,"tw":84552,"age":45,"inc":76872,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":6900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":17000,"hmort":11440,"hequity":5560,"nifa":31,"net_nifa":31,"tfa":31,"net_tfa":31,"tfa_he":5591,"tw":4791,"age":29,"inc":15174,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":31,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":23000,"hequity":32000,"nifa":900,"net_nifa":-1050,"tfa":900,"net_tfa":-1050,"tfa_he":30950,"tw":35250,"age":61,"inc":23052,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-1050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2666,"age":55,"inc":4080,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":0,"hval":100000,"hmort":18900,"hequity":81100,"nifa":64100,"net_nifa":61100,"tfa":267100,"net_tfa":264100,"tfa_he":345200,"tw":352200,"age":56,"inc":92790,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":64100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":145000,"hmort":0,"hequity":145000,"nifa":4498,"net_nifa":4498,"tfa":4498,"net_tfa":4498,"tfa_he":149498,"tw":182498,"age":55,"inc":54729,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":4498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":28498,"net_nifa":20248,"tfa":28498,"net_tfa":20248,"tfa_he":95248,"tw":98799,"age":50,"inc":11451,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":20248,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14999,"net_nifa":14999,"tfa":14999,"net_tfa":14999,"tfa_he":14999,"tw":16999,"age":62,"inc":55524,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":14999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":34,"inc":8199,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3125,"net_nifa":2425,"tfa":3125,"net_tfa":2425,"tfa_he":2425,"tw":12500,"age":31,"inc":21939,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":2425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":300,"net_nifa":-300,"tfa":300,"net_tfa":-300,"tfa_he":24700,"tw":24700,"age":39,"inc":7836,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.375,"net_n401":-300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":80000,"net_nifa":80000,"tfa":80000,"net_tfa":80000,"tfa_he":130000,"tw":136225,"age":45,"inc":14058,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":80000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24500,"net_nifa":22000,"tfa":24500,"net_tfa":22000,"tfa_he":22000,"tw":63000,"age":41,"inc":35061,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":22000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":22000,"hequity":5000,"nifa":600,"net_nifa":-1640,"tfa":600,"net_tfa":-1640,"tfa_he":3360,"tw":8835,"age":32,"inc":35955,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-1640,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":57,"inc":7800,"fsize":1,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":110800,"age":30,"inc":16872,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":10200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4700,"net_nifa":3500,"tfa":4700,"net_tfa":3500,"tfa_he":3500,"tw":6000,"age":35,"inc":18582,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":3500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":392,"net_nifa":-108,"tfa":392,"net_tfa":-108,"tfa_he":29892,"tw":29892,"age":64,"inc":21138,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-108,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":75050,"tw":75800,"age":45,"inc":10770,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":77000,"hmort":66000,"hequity":11000,"nifa":5700,"net_nifa":5700,"tfa":5700,"net_tfa":5700,"tfa_he":16700,"tw":20425,"age":47,"inc":22737,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":5700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":28000,"hequity":7000,"nifa":3600,"net_nifa":2750,"tfa":3600,"net_tfa":2750,"tfa_he":9750,"tw":13750,"age":29,"inc":33630,"fsize":4,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":200000,"hmort":140000,"hequity":60000,"nifa":500,"net_nifa":500,"tfa":2500,"net_tfa":2500,"tfa_he":62500,"tw":72500,"age":40,"inc":24681,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":40000,"hmort":13500,"hequity":26500,"nifa":1030,"net_nifa":1030,"tfa":8030,"net_tfa":8030,"tfa_he":34530,"tw":45980,"age":48,"inc":47637,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.44148,"net_n401":8030,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-88,"tfa":0,"net_tfa":-88,"tfa_he":-88,"tw":-88,"age":43,"inc":25500,"fsize":5,"educ":4,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-88,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":130020,"tw":130020,"age":58,"inc":19089,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":20,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":75000,"hequity":225000,"nifa":28500,"net_nifa":28200,"tfa":28500,"net_tfa":28200,"tfa_he":253200,"tw":258500,"age":52,"inc":9903,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":28200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":47000,"hequity":0,"nifa":10900,"net_nifa":10500,"tfa":10900,"net_tfa":10500,"tfa_he":10500,"tw":14841,"age":26,"inc":25860,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":190000,"hmort":18900,"hequity":171100,"nifa":5300,"net_nifa":5150,"tfa":10300,"net_tfa":10150,"tfa_he":181250,"tw":222350,"age":49,"inc":20340,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":10150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":53000,"hequity":7000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":7000,"tw":13200,"age":41,"inc":6408,"fsize":3,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":18000,"hequity":7000,"nifa":610,"net_nifa":-1190,"tfa":610,"net_tfa":-1190,"tfa_he":5810,"tw":4810,"age":34,"inc":9792,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-1190,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":27000,"hequity":88000,"nifa":2799,"net_nifa":2073,"tfa":2799,"net_tfa":2073,"tfa_he":90073,"tw":90073,"age":37,"inc":26688,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2073,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5109,"net_nifa":-10391,"tfa":5109,"net_tfa":-10391,"tfa_he":-10391,"tw":-1841,"age":30,"inc":3207,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-10391,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":41000,"hmort":11000,"hequity":30000,"nifa":9,"net_nifa":-22491,"tfa":9,"net_tfa":-22491,"tfa_he":7509,"tw":10244,"age":64,"inc":15393,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-22491,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":250000,"hmort":110000,"hequity":140000,"nifa":0,"net_nifa":-300,"tfa":50000,"net_tfa":49700,"tfa_he":189700,"tw":390863,"age":52,"inc":54600,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.48688,"net_n401":49700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":7999,"net_nifa":7999,"tfa":22999,"net_tfa":22999,"tfa_he":122999,"tw":242999,"age":58,"inc":53382,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":22999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":11475,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":86000,"hequity":14000,"nifa":51500,"net_nifa":50370,"tfa":51500,"net_tfa":50370,"tfa_he":64370,"tw":64870,"age":55,"inc":14538,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":50370,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":600,"age":34,"inc":46386,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":7113,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":52000,"hmort":34000,"hequity":18000,"nifa":54600,"net_nifa":53852,"tfa":58600,"net_tfa":57852,"tfa_he":75852,"tw":110852,"age":38,"inc":80085,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":57852,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":202333,"age":46,"inc":17091,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1584,"net_nifa":384,"tfa":1584,"net_tfa":384,"tfa_he":384,"tw":9384,"age":28,"inc":29421,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":384,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":205,"net_nifa":25,"tfa":205,"net_tfa":25,"tfa_he":25,"tw":3375,"age":29,"inc":14670,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":25,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":35000,"tw":35000,"age":32,"inc":36210,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":46338,"a401":0,"hval":33000,"hmort":33000,"hequity":0,"nifa":7374,"net_nifa":7374,"tfa":53712,"net_tfa":53712,"tfa_he":53712,"tw":61812,"age":62,"inc":29841,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":53712,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":60000,"hequity":240000,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":252000,"tw":252000,"age":62,"inc":48600,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":850,"net_nifa":850,"tfa":850,"net_tfa":850,"tfa_he":850,"tw":850,"age":26,"inc":16116,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":56,"inc":14280,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":38000,"hmort":13500,"hequity":24500,"nifa":13499,"net_nifa":12499,"tfa":13499,"net_tfa":12499,"tfa_he":36999,"tw":38874,"age":56,"inc":15636,"fsize":2,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":12499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1115,"net_nifa":615,"tfa":1115,"net_tfa":615,"tfa_he":615,"tw":2865,"age":25,"inc":23250,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":615,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":20000,"hequity":45000,"nifa":4249,"net_nifa":49,"tfa":4249,"net_tfa":49,"tfa_he":45049,"tw":102049,"age":38,"inc":39420,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":49,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":15000,"tfa":15000,"net_tfa":15000,"tfa_he":15000,"tw":15000,"age":32,"inc":52200,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":15000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":126000,"hequity":19000,"nifa":3525,"net_nifa":1875,"tfa":3525,"net_tfa":1875,"tfa_he":20875,"tw":20875,"age":29,"inc":55845,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1875,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2000,"tw":2000,"age":58,"inc":9720,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":0,"tfa":200,"net_tfa":0,"tfa_he":0,"tw":500,"age":25,"inc":15810,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":89000,"hmort":65000,"hequity":24000,"nifa":3499,"net_nifa":-3601,"tfa":19999,"net_tfa":12899,"tfa_he":36899,"tw":49599,"age":42,"inc":58938,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":12899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":950,"age":48,"inc":5214,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":730,"net_nifa":-970,"tfa":730,"net_tfa":-970,"tfa_he":-970,"tw":1430,"age":28,"inc":28728,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-970,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":62000,"hequity":23000,"nifa":0,"net_nifa":-1000,"tfa":2500,"net_tfa":1500,"tfa_he":24500,"tw":30400,"age":32,"inc":53664,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":90000,"hequity":25000,"nifa":3441,"net_nifa":3441,"tfa":3441,"net_tfa":3441,"tfa_he":28441,"tw":37441,"age":26,"inc":44205,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3441,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-5700,"tfa":300,"net_tfa":-5700,"tfa_he":-5700,"tw":-800,"age":26,"inc":20400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-5700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4300,"a401":0,"hval":42000,"hmort":32000,"hequity":10000,"nifa":850,"net_nifa":350,"tfa":5150,"net_tfa":4650,"tfa_he":14650,"tw":29650,"age":35,"inc":45420,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":4650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":54,"net_nifa":54,"tfa":54,"net_tfa":54,"tfa_he":54,"tw":16107,"age":29,"inc":12243,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":54,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":25000,"hequity":165000,"nifa":3456,"net_nifa":2956,"tfa":3456,"net_tfa":2956,"tfa_he":167956,"tw":183806,"age":51,"inc":48216,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":2956,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":-5200,"tfa":2800,"net_tfa":-5200,"tfa_he":-5200,"tw":16800,"age":31,"inc":46050,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-5200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":8400,"net_nifa":-9600,"tfa":8400,"net_tfa":-9600,"tfa_he":2400,"tw":109900,"age":47,"inc":15141,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-9600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":0,"hequity":26000,"nifa":5,"net_nifa":-3995,"tfa":5,"net_tfa":-3995,"tfa_he":22005,"tw":22005,"age":36,"inc":33360,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3995,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":1098,"net_nifa":1098,"tfa":15098,"net_tfa":15098,"tfa_he":90098,"tw":90098,"age":50,"inc":48030,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":15098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":74500,"hmort":65000,"hequity":9500,"nifa":1164,"net_nifa":-5186,"tfa":1164,"net_tfa":-5186,"tfa_he":4314,"tw":12814,"age":49,"inc":47748,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-5186,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":9960,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35000,"net_nifa":35000,"tfa":35000,"net_tfa":35000,"tfa_he":35000,"tw":43225,"age":48,"inc":41250,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":35000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":100,"tfa":300,"net_tfa":100,"tfa_he":100,"tw":6942,"age":37,"inc":15018,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":275000,"hmort":75000,"hequity":200000,"nifa":26050,"net_nifa":24550,"tfa":31050,"net_tfa":29550,"tfa_he":229550,"tw":235200,"age":41,"inc":45012,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":29550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":107000,"hequity":18000,"nifa":3300,"net_nifa":3300,"tfa":3300,"net_tfa":3300,"tfa_he":21300,"tw":26800,"age":36,"inc":73578,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-425,"tfa":0,"net_tfa":-425,"tfa_he":-425,"tw":-425,"age":32,"inc":27888,"fsize":6,"educ":6,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":83000,"hequity":22000,"nifa":20,"net_nifa":-6980,"tfa":20,"net_tfa":-6980,"tfa_he":15020,"tw":25020,"age":41,"inc":31356,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":700,"a401":0,"hval":100000,"hmort":86000,"hequity":14000,"nifa":3000,"net_nifa":2100,"tfa":3700,"net_tfa":2800,"tfa_he":16800,"tw":16800,"age":34,"inc":29106,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":25000,"hequity":0,"nifa":40,"net_nifa":-9360,"tfa":40,"net_tfa":-9360,"tfa_he":-9360,"tw":-9360,"age":44,"inc":24057,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-9360,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":15,"net_nifa":-93,"tfa":15,"net_tfa":-93,"tfa_he":9907,"tw":10157,"age":38,"inc":39837,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-93,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":-300,"tfa":2400,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":28,"inc":10698,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4875,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":184599,"net_nifa":179599,"tfa":189474,"net_tfa":184474,"tfa_he":334474,"tw":335674,"age":34,"inc":83274,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":184474,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3400,"tfa":0,"net_tfa":-3400,"tfa_he":-3400,"tw":-3400,"age":54,"inc":6711,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-3400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1037,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":8763,"net_nifa":3663,"tfa":9800,"net_tfa":4700,"tfa_he":79700,"tw":87828,"age":36,"inc":56118,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":22000,"hequity":43000,"nifa":3799,"net_nifa":2399,"tfa":3799,"net_tfa":2399,"tfa_he":45399,"tw":51905,"age":50,"inc":22200,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":2399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-200,"tfa":800,"net_tfa":-200,"tfa_he":-200,"tw":8300,"age":26,"inc":31488,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":20699,"net_nifa":19199,"tfa":20699,"net_tfa":19199,"tfa_he":194199,"tw":200874,"age":54,"inc":20325,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":19199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":800,"net_nifa":172,"tfa":800,"net_tfa":172,"tfa_he":10172,"tw":24172,"age":32,"inc":23508,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":172,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":8857,"age":50,"inc":34470,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":50000,"age":64,"inc":19080,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":75000,"tw":79000,"age":41,"inc":21096,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":1000,"tfa":3000,"net_tfa":1000,"tfa_he":1000,"tw":4350,"age":40,"inc":16218,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":9096,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":49000,"hequity":0,"nifa":95,"net_nifa":95,"tfa":95,"net_tfa":95,"tfa_he":95,"tw":95,"age":52,"inc":48450,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":95,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":6,"tfa":6,"net_tfa":6,"tfa_he":6,"tw":1506,"age":49,"inc":5610,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":6,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":10524,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":0,"hequity":28000,"nifa":500,"net_nifa":-2300,"tfa":500,"net_tfa":-2300,"tfa_he":25700,"tw":32700,"age":41,"inc":24486,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6800,"a401":0,"hval":300000,"hmort":70000,"hequity":230000,"nifa":499,"net_nifa":-1501,"tfa":12199,"net_tfa":10199,"tfa_he":240199,"tw":380199,"age":53,"inc":88083,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":5299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1400,"age":33,"inc":5160,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":59300,"tw":59800,"age":44,"inc":9180,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-700,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-2000,"tfa":2000,"net_tfa":-2000,"tfa_he":-2000,"tw":-1250,"age":25,"inc":23004,"fsize":3,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":100500,"tw":104600,"age":41,"inc":34950,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":0,"net_nifa":-3500,"tfa":0,"net_tfa":-3500,"tfa_he":16500,"tw":16875,"age":46,"inc":13770,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":15000,"hequity":55000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":55100,"tw":63561,"age":46,"inc":10200,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":15800,"hequity":29200,"nifa":30,"net_nifa":-5320,"tfa":30,"net_tfa":-5320,"tfa_he":23880,"tw":33880,"age":37,"inc":35109,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-5320,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":60000,"hmort":16000,"hequity":44000,"nifa":28000,"net_nifa":28000,"tfa":42000,"net_tfa":42000,"tfa_he":86000,"tw":120000,"age":59,"inc":105783,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":42000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-10100,"tfa":300,"net_tfa":-10100,"tfa_he":-10100,"tw":-8600,"age":35,"inc":17400,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-10100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":11000,"hequity":89000,"nifa":23802,"net_nifa":20302,"tfa":23802,"net_tfa":20302,"tfa_he":109302,"tw":110052,"age":64,"inc":26109,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":20302,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":12000,"hequity":43000,"nifa":3869,"net_nifa":1269,"tfa":3869,"net_tfa":1269,"tfa_he":44269,"tw":51269,"age":64,"inc":17256,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1269,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":48000,"hmort":37000,"hequity":11000,"nifa":6798,"net_nifa":4998,"tfa":6798,"net_tfa":4998,"tfa_he":15998,"tw":25398,"age":30,"inc":44502,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9499,"net_nifa":3499,"tfa":9499,"net_tfa":3499,"tfa_he":3499,"tw":3499,"age":37,"inc":66960,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":3499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":61338,"hequity":63662,"nifa":13199,"net_nifa":7699,"tfa":13199,"net_tfa":7699,"tfa_he":71361,"tw":73236,"age":44,"inc":23190,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":7699,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7798,"net_nifa":7798,"tfa":7798,"net_tfa":7798,"tfa_he":7798,"tw":7798,"age":45,"inc":25254,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":7798,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":45000,"hequity":55000,"nifa":4200,"net_nifa":-5800,"tfa":4200,"net_tfa":-5800,"tfa_he":49200,"tw":49200,"age":38,"inc":44400,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":5500,"hequity":24500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":24500,"tw":25000,"age":50,"inc":10650,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":47500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12900,"net_nifa":12800,"tfa":60400,"net_tfa":60300,"tfa_he":60300,"tw":60300,"age":38,"inc":110181,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.46965,"net_n401":60300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26500,"net_nifa":23800,"tfa":26500,"net_tfa":23800,"tfa_he":23800,"tw":25675,"age":30,"inc":91500,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":23800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":40000,"hequity":30000,"nifa":100,"net_nifa":-8950,"tfa":100,"net_tfa":-8950,"tfa_he":21050,"tw":28550,"age":35,"inc":43080,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-8950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":7000,"tfa":11000,"net_tfa":11000,"tfa_he":11000,"tw":44979,"age":27,"inc":21030,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":11000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":20000,"hequity":12000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":12200,"tw":13200,"age":32,"inc":12192,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5091,"a401":0,"hval":70000,"hmort":57000,"hequity":13000,"nifa":102,"net_nifa":-2773,"tfa":5193,"net_tfa":2318,"tfa_he":15318,"tw":25318,"age":40,"inc":52647,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":2318,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":340,"net_nifa":340,"tfa":340,"net_tfa":340,"tfa_he":340,"tw":1340,"age":32,"inc":20811,"fsize":3,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":340,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":78000,"hmort":0,"hequity":78000,"nifa":24500,"net_nifa":23400,"tfa":64500,"net_tfa":63400,"tfa_he":141400,"tw":147150,"age":53,"inc":32856,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":63400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-6900,"tfa":100,"net_tfa":-6900,"tfa_he":-6900,"tw":-1475,"age":25,"inc":8250,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-6900,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4200,"a401":0,"hval":76000,"hmort":72900,"hequity":3100,"nifa":1500,"net_nifa":-2300,"tfa":5700,"net_tfa":1900,"tfa_he":5000,"tw":14500,"age":39,"inc":48027,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":115000,"hequity":35000,"nifa":8999,"net_nifa":8199,"tfa":8999,"net_tfa":8199,"tfa_he":43199,"tw":45299,"age":33,"inc":24612,"fsize":5,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":8199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":62000,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":1200,"age":63,"inc":14754,"fsize":5,"educ":1,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":4725,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":1505,"age":45,"inc":13911,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":5,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":0,"hequity":62000,"nifa":14999,"net_nifa":-10001,"tfa":14999,"net_tfa":-10001,"tfa_he":51999,"tw":54499,"age":48,"inc":32880,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-10001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":1000,"hmort":899,"hequity":101,"nifa":0,"net_nifa":-9550,"tfa":0,"net_tfa":-9550,"tfa_he":-9449,"tw":-7616,"age":42,"inc":12600,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-9550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":160,"net_nifa":-19840,"tfa":160,"net_tfa":-19840,"tfa_he":-19840,"tw":-19840,"age":31,"inc":25002,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-19840,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":2300,"hequity":3700,"nifa":382,"net_nifa":-243,"tfa":382,"net_tfa":-243,"tfa_he":3457,"tw":3457,"age":63,"inc":6753,"fsize":2,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-243,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19000,"a401":0,"hval":80000,"hmort":66000,"hequity":14000,"nifa":1600,"net_nifa":1600,"tfa":20600,"net_tfa":20600,"tfa_he":34600,"tw":34600,"age":45,"inc":42618,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":20600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":0,"hequity":165000,"nifa":2000,"net_nifa":500,"tfa":2000,"net_tfa":500,"tfa_he":165500,"tw":172243,"age":57,"inc":17880,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":78000,"hmort":65000,"hequity":13000,"nifa":2084,"net_nifa":-53916,"tfa":2084,"net_tfa":-53916,"tfa_he":-40916,"tw":-35916,"age":46,"inc":79392,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-53916,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":1300,"hequity":28700,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":28850,"tw":29600,"age":34,"inc":14982,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-11745,"tfa":200,"net_tfa":-11745,"tfa_he":-11745,"tw":-11745,"age":28,"inc":39642,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-11745,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":-10200,"tfa":5000,"net_tfa":-10200,"tfa_he":-10200,"tw":-4200,"age":25,"inc":61830,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-10200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":60020,"tw":60520,"age":57,"inc":6885,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":20,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":3850,"net_nifa":-299750,"tfa":3850,"net_tfa":-299750,"tfa_he":-274750,"tw":-248950,"age":42,"inc":53514,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-299750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":-23500,"tfa":7500,"net_tfa":-23500,"tfa_he":-23500,"tw":-16447,"age":30,"inc":30000,"fsize":1,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-23500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":8600,"net_nifa":8513,"tfa":8600,"net_tfa":8513,"tfa_he":128513,"tw":188513,"age":33,"inc":79500,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":8513,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7536,"a401":0,"hval":160000,"hmort":40000,"hequity":120000,"nifa":4898,"net_nifa":4898,"tfa":12434,"net_tfa":12434,"tfa_he":132434,"tw":132434,"age":61,"inc":103449,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":12434,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":24000,"hequity":31000,"nifa":600,"net_nifa":-4400,"tfa":600,"net_tfa":-4400,"tfa_he":26600,"tw":40600,"age":45,"inc":46071,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":95000,"hequity":15000,"nifa":2000,"net_nifa":900,"tfa":2000,"net_tfa":900,"tfa_he":15900,"tw":24900,"age":51,"inc":36060,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":0,"hval":53000,"hmort":0,"hequity":53000,"nifa":899,"net_nifa":899,"tfa":30899,"net_tfa":30899,"tfa_he":83899,"tw":94899,"age":60,"inc":35550,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":30899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":63000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":1599,"net_nifa":1599,"tfa":64599,"net_tfa":64599,"tfa_he":144599,"tw":439599,"age":64,"inc":23136,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":64599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":17000,"a401":0,"hval":120000,"hmort":65000,"hequity":55000,"nifa":100,"net_nifa":-700,"tfa":17100,"net_tfa":16300,"tfa_he":71300,"tw":74800,"age":25,"inc":40806,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":16300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3800,"net_nifa":3800,"tfa":3800,"net_tfa":3800,"tfa_he":3800,"tw":3800,"age":33,"inc":10215,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":3800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":30800,"hequity":44200,"nifa":13300,"net_nifa":5200,"tfa":13300,"net_tfa":5200,"tfa_he":49400,"tw":51400,"age":44,"inc":45573,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":5200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":100,"net_nifa":-5400,"tfa":100,"net_tfa":-5400,"tfa_he":9600,"tw":11600,"age":55,"inc":23166,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":100,"net_nifa":-175,"tfa":100,"net_tfa":-175,"tfa_he":39825,"tw":48425,"age":64,"inc":21792,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-175,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":20199,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":13000,"hequity":42000,"nifa":2503,"net_nifa":-12797,"tfa":2503,"net_tfa":-12797,"tfa_he":29203,"tw":36203,"age":41,"inc":35520,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-12797,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6050,"net_nifa":-3100,"tfa":6050,"net_tfa":-3100,"tfa_he":-3100,"tw":1750,"age":41,"inc":22572,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-3100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":30,"inc":14625,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":0,"hequity":59000,"nifa":1749,"net_nifa":1749,"tfa":1749,"net_tfa":1749,"tfa_he":60749,"tw":63749,"age":27,"inc":10941,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1749,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":625,"net_nifa":310,"tfa":625,"net_tfa":310,"tfa_he":310,"tw":2655,"age":26,"inc":19074,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":310,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":43,"inc":7140,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-10500,"tfa":0,"net_tfa":-10500,"tfa_he":-10500,"tw":-6500,"age":36,"inc":27600,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-10500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":1207,"age":52,"inc":21600,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":1250,"age":29,"inc":35100,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":70000,"hequity":15000,"nifa":10699,"net_nifa":3699,"tfa":10699,"net_tfa":3699,"tfa_he":18699,"tw":27199,"age":48,"inc":70590,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":999,"net_nifa":-501,"tfa":999,"net_tfa":-501,"tfa_he":49499,"tw":54741,"age":30,"inc":7336,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-501,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":93240,"hequity":156760,"nifa":6000,"net_nifa":-250,"tfa":6000,"net_tfa":-250,"tfa_he":156510,"tw":156510,"age":34,"inc":100029,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":100000,"a401":0,"hval":75000,"hmort":17500,"hequity":57500,"nifa":58206,"net_nifa":58206,"tfa":158206,"net_tfa":158206,"tfa_he":215706,"tw":260706,"age":53,"inc":40827,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":158206,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":157150,"net_nifa":157150,"tfa":197150,"net_tfa":197150,"tfa_he":297150,"tw":297150,"age":41,"inc":74592,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":177150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":23000,"a401":0,"hval":155000,"hmort":100000,"hequity":55000,"nifa":86000,"net_nifa":86000,"tfa":109000,"net_tfa":109000,"tfa_he":164000,"tw":169242,"age":54,"inc":58653,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":109000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":-1600,"age":36,"inc":8004,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-1600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":44,"inc":15300,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11816,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":163000,"hmort":119500,"hequity":43500,"nifa":1000,"net_nifa":-46500,"tfa":1000,"net_tfa":-46500,"tfa_he":-3000,"tw":800,"age":46,"inc":19704,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-46500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":26700,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":30000,"hequity":48000,"nifa":25000,"net_nifa":24500,"tfa":25000,"net_tfa":24500,"tfa_he":72500,"tw":72500,"age":44,"inc":52065,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":24500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":-16586,"tfa":4999,"net_tfa":-16586,"tfa_he":-16586,"tw":-13786,"age":52,"inc":7440,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-16586,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":36000,"hmort":32000,"hequity":4000,"nifa":16849,"net_nifa":12079,"tfa":16849,"net_tfa":12079,"tfa_he":16079,"tw":24879,"age":44,"inc":21411,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":12079,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":21600,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":27,"inc":9000,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":229,"net_nifa":-6586,"tfa":229,"net_tfa":-6586,"tfa_he":-6586,"tw":-6586,"age":48,"inc":18537,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-6586,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":36000,"hequity":24000,"nifa":0,"net_nifa":-2797,"tfa":0,"net_tfa":-2797,"tfa_he":21203,"tw":21203,"age":39,"inc":13512,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-2797,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":110000,"hequity":120000,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":132000,"tw":132000,"age":55,"inc":34542,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8461,"age":36,"inc":15600,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":7300,"age":29,"inc":21675,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":135000,"hmort":60000,"hequity":75000,"nifa":10049,"net_nifa":10049,"tfa":25049,"net_tfa":25049,"tfa_he":100049,"tw":107214,"age":37,"inc":32442,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":25049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":240,"net_nifa":-510,"tfa":240,"net_tfa":-510,"tfa_he":-510,"tw":-510,"age":26,"inc":10221,"fsize":7,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-510,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":12852,"fsize":8,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":299,"net_nifa":-4001,"tfa":299,"net_tfa":-4001,"tfa_he":170999,"tw":172999,"age":38,"inc":13278,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-4001,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":557,"net_nifa":-743,"tfa":557,"net_tfa":-743,"tfa_he":44257,"tw":46957,"age":61,"inc":20256,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-743,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":38900,"hequity":41100,"nifa":7249,"net_nifa":3049,"tfa":7249,"net_tfa":3049,"tfa_he":44149,"tw":204774,"age":37,"inc":48705,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":3049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":43500,"hequity":11500,"nifa":400,"net_nifa":0,"tfa":400,"net_tfa":0,"tfa_he":11500,"tw":12500,"age":27,"inc":20460,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":108000,"hequity":62000,"nifa":4200,"net_nifa":2000,"tfa":4200,"net_tfa":2000,"tfa_he":64000,"tw":68000,"age":30,"inc":46008,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":223000,"net_nifa":223000,"tfa":224500,"net_tfa":224500,"tfa_he":314500,"tw":373750,"age":44,"inc":92700,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":224500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":35000,"hmort":35000,"hequity":0,"nifa":127000,"net_nifa":127000,"tfa":136000,"net_tfa":136000,"tfa_he":136000,"tw":149600,"age":57,"inc":76230,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":136000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":13000,"tw":13000,"age":55,"inc":34470,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1449,"net_nifa":-12951,"tfa":1449,"net_tfa":-12951,"tfa_he":-12951,"tw":-12951,"age":34,"inc":29166,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-12951,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":46,"inc":18960,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":101600,"hequity":183400,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":184000,"tw":185100,"age":44,"inc":60480,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1635,"net_nifa":1635,"tfa":1635,"net_tfa":1635,"tfa_he":1635,"tw":4805,"age":32,"inc":25494,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":1635,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":9500,"net_nifa":5800,"tfa":9500,"net_tfa":5800,"tfa_he":55800,"tw":65800,"age":48,"inc":27276,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":7650,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":48000,"hequity":24000,"nifa":1450,"net_nifa":650,"tfa":1450,"net_tfa":650,"tfa_he":24650,"tw":24650,"age":61,"inc":30513,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":15000,"hequity":43000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":43000,"tw":43000,"age":59,"inc":7824,"fsize":4,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":4296,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":24000,"hequity":66000,"nifa":499,"net_nifa":-1501,"tfa":499,"net_tfa":-1501,"tfa_he":64499,"tw":68449,"age":61,"inc":21630,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-1501,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":1800,"tw":1800,"age":27,"inc":15099,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":36000,"hequity":29000,"nifa":5799,"net_nifa":-3201,"tfa":5799,"net_tfa":-3201,"tfa_he":25799,"tw":25799,"age":34,"inc":35868,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-3201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":96000,"hequity":24000,"nifa":12200,"net_nifa":12200,"tfa":12200,"net_tfa":12200,"tfa_he":36200,"tw":42250,"age":34,"inc":43875,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":12200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":49000,"hequity":0,"nifa":220,"net_nifa":-6380,"tfa":220,"net_tfa":-6380,"tfa_he":-6380,"tw":18620,"age":40,"inc":50817,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":19000,"hmort":0,"hequity":19000,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":18400,"tw":20550,"age":55,"inc":7989,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-600,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":152,"net_nifa":77,"tfa":152,"net_tfa":77,"tfa_he":77,"tw":77,"age":35,"inc":16194,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":77,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":27890,"a401":0,"hval":120000,"hmort":65000,"hequity":55000,"nifa":7000,"net_nifa":7000,"tfa":34890,"net_tfa":34890,"tfa_he":89890,"tw":146890,"age":45,"inc":65040,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":34890,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":57,"inc":10797,"fsize":2,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":255000,"hmort":93000,"hequity":162000,"nifa":5000,"net_nifa":3300,"tfa":5000,"net_tfa":3300,"tfa_he":165300,"tw":165300,"age":35,"inc":22800,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":85000,"hmort":17000,"hequity":68000,"nifa":950,"net_nifa":-8000,"tfa":1950,"net_tfa":-7000,"tfa_he":61000,"tw":71000,"age":45,"inc":44019,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":8289,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":3200,"tfa":3200,"net_tfa":3200,"tfa_he":3200,"tw":6150,"age":49,"inc":39801,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":100,"tfa":350,"net_tfa":100,"tfa_he":100,"tw":100,"age":44,"inc":12648,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":599,"net_nifa":-23,"tfa":599,"net_tfa":-23,"tfa_he":44977,"tw":46977,"age":42,"inc":27696,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-23,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":49000,"hequity":23000,"nifa":1300,"net_nifa":1300,"tfa":1300,"net_tfa":1300,"tfa_he":24300,"tw":29275,"age":35,"inc":24000,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":42396,"net_nifa":42196,"tfa":42396,"net_tfa":42196,"tfa_he":167196,"tw":167196,"age":56,"inc":64332,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":42196,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":28500,"a401":0,"hval":235000,"hmort":150000,"hequity":85000,"nifa":19127,"net_nifa":18492,"tfa":47627,"net_tfa":46992,"tfa_he":131992,"tw":271992,"age":37,"inc":51798,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":46992,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1479,"tfa":0,"net_tfa":-1479,"tfa_he":-1479,"tw":-1479,"age":38,"inc":19497,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1479,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":3150,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-444,"tfa":0,"net_tfa":-444,"tfa_he":-444,"tw":556,"age":31,"inc":15912,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-444,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":-3900,"tw":-2900,"age":26,"inc":19203,"fsize":1,"educ":15,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.3792,"net_n401":-3900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":10000,"net_nifa":10000,"tfa":10000,"net_tfa":10000,"tfa_he":160000,"tw":160000,"age":42,"inc":38343,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":-6550,"tfa":450,"net_tfa":-6550,"tfa_he":-6550,"tw":-6050,"age":28,"inc":7020,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-6550,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":205,"net_nifa":-9795,"tfa":205,"net_tfa":-9795,"tfa_he":-9795,"tw":-7045,"age":26,"inc":24168,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-9795,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":700,"net_nifa":200,"tfa":700,"net_tfa":200,"tfa_he":60200,"tw":70200,"age":63,"inc":36252,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":135000,"hmort":103000,"hequity":32000,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":32599,"tw":37841,"age":27,"inc":10836,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":599,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":200000,"hmort":47000,"hequity":153000,"nifa":15000,"net_nifa":13500,"tfa":27000,"net_tfa":25500,"tfa_he":178500,"tw":184250,"age":57,"inc":49428,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":25500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":136000,"hmort":108000,"hequity":28000,"nifa":900,"net_nifa":-4100,"tfa":900,"net_tfa":-4100,"tfa_he":23900,"tw":30600,"age":26,"inc":61710,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-4100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":149200,"tw":149200,"age":53,"inc":26622,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":173000,"hmort":0,"hequity":173000,"nifa":6787,"net_nifa":4787,"tfa":6787,"net_tfa":4787,"tfa_he":177787,"tw":177787,"age":49,"inc":41490,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4787,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":62000,"hequity":18000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":18999,"tw":18999,"age":26,"inc":55779,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":119500,"hequity":155500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":155500,"tw":160420,"age":51,"inc":4338,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":21000,"a401":0,"hval":2500,"hmort":0,"hequity":2500,"nifa":499,"net_nifa":-1,"tfa":21499,"net_tfa":20999,"tfa_he":23499,"tw":23499,"age":51,"inc":7470,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":20999,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":42000,"hequity":68000,"nifa":700,"net_nifa":-2800,"tfa":700,"net_tfa":-2800,"tfa_he":65200,"tw":65200,"age":43,"inc":54648,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":220,"net_nifa":220,"tfa":10220,"net_tfa":10220,"tfa_he":85220,"tw":94995,"age":49,"inc":18117,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":10220,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":28000,"hequity":14000,"nifa":25,"net_nifa":-1675,"tfa":25,"net_tfa":-1675,"tfa_he":12325,"tw":22325,"age":32,"inc":58167,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":18000,"hequity":17000,"nifa":67498,"net_nifa":59748,"tfa":67498,"net_tfa":59748,"tfa_he":76748,"tw":76748,"age":41,"inc":15120,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":59748,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":0,"hequity":89000,"nifa":300,"net_nifa":-2200,"tfa":300,"net_tfa":-2200,"tfa_he":86800,"tw":88300,"age":25,"inc":27630,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":58,"net_nifa":-10642,"tfa":58,"net_tfa":-10642,"tfa_he":-10642,"tw":-10642,"age":35,"inc":8649,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":-10642,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":50000,"age":36,"inc":21000,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":91500,"tw":95000,"age":49,"inc":25920,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5000,"age":25,"inc":14172,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":55000,"hmort":45000,"hequity":10000,"nifa":6200,"net_nifa":3600,"tfa":21200,"net_tfa":18600,"tfa_he":28600,"tw":29900,"age":33,"inc":31440,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":18600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2500,"hmort":0,"hequity":2500,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":14500,"tw":14500,"age":62,"inc":21780,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":609,"net_nifa":-4391,"tfa":609,"net_tfa":-4391,"tfa_he":-4391,"tw":-4387,"age":38,"inc":18930,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4391,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1700,"a401":0,"hval":85000,"hmort":38000,"hequity":47000,"nifa":2049,"net_nifa":2049,"tfa":3749,"net_tfa":3749,"tfa_he":50749,"tw":50749,"age":60,"inc":43425,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":3749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":5931,"age":64,"inc":30192,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":700,"net_nifa":-2252,"tfa":700,"net_tfa":-2252,"tfa_he":52748,"tw":55248,"age":42,"inc":20331,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-2252,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":98000,"hmort":98000,"hequity":0,"nifa":54624,"net_nifa":54624,"tfa":54624,"net_tfa":54624,"tfa_he":54624,"tw":55974,"age":43,"inc":25908,"fsize":3,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":54624,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":62500,"hequity":5500,"nifa":0,"net_nifa":-3100,"tfa":0,"net_tfa":-3100,"tfa_he":2400,"tw":2400,"age":27,"inc":24651,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":48000,"hequity":19000,"nifa":300,"net_nifa":-17700,"tfa":300,"net_tfa":-17700,"tfa_he":1300,"tw":6550,"age":61,"inc":38880,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-17700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":175000,"hmort":37000,"hequity":138000,"nifa":6000,"net_nifa":2500,"tfa":6000,"net_tfa":2500,"tfa_he":140500,"tw":146043,"age":64,"inc":21111,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":190000,"hmort":12500,"hequity":177500,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":177100,"tw":196325,"age":55,"inc":32400,"fsize":4,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":48000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":22000,"tw":24500,"age":30,"inc":24000,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":92000,"hmort":41000,"hequity":51000,"nifa":53000,"net_nifa":48000,"tfa":53000,"net_tfa":48000,"tfa_he":99000,"tw":140550,"age":53,"inc":11538,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":48000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":75000,"hmort":40000,"hequity":35000,"nifa":400,"net_nifa":400,"tfa":50400,"net_tfa":50400,"tfa_he":85400,"tw":85400,"age":38,"inc":74724,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":50400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":0,"hval":100000,"hmort":74200,"hequity":25800,"nifa":61550,"net_nifa":61550,"tfa":90550,"net_tfa":90550,"tfa_he":116350,"tw":256350,"age":39,"inc":159696,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":90550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":59900,"hequity":20100,"nifa":6700,"net_nifa":300,"tfa":6700,"net_tfa":300,"tfa_he":20400,"tw":82400,"age":35,"inc":54750,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9500,"a401":0,"hval":120000,"hmort":93000,"hequity":27000,"nifa":30100,"net_nifa":29600,"tfa":39600,"net_tfa":39100,"tfa_he":66100,"tw":66100,"age":33,"inc":52494,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":39100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":90000,"hmort":22500,"hequity":67500,"nifa":31202,"net_nifa":30802,"tfa":81202,"net_tfa":80802,"tfa_he":148302,"tw":148302,"age":43,"inc":99153,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":80802,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-500,"age":27,"inc":14760,"fsize":5,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":15000,"hequity":80000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":80500,"tw":80500,"age":55,"inc":21552,"fsize":8,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":32500,"hequity":47500,"nifa":4000,"net_nifa":-8800,"tfa":4000,"net_tfa":-8800,"tfa_he":38700,"tw":44800,"age":56,"inc":11490,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-8800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5080,"a401":0,"hval":20000,"hmort":18500,"hequity":1500,"nifa":154,"net_nifa":-4326,"tfa":5234,"net_tfa":754,"tfa_he":2254,"tw":2254,"age":35,"inc":22443,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":754,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":80999,"net_nifa":80999,"tfa":95999,"net_tfa":95999,"tfa_he":395999,"tw":410999,"age":34,"inc":77334,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":95999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":78000,"hequity":52000,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":54500,"tw":243500,"age":43,"inc":22650,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":720,"a401":0,"hval":20000,"hmort":9400,"hequity":10600,"nifa":742,"net_nifa":-9108,"tfa":1462,"net_tfa":-8388,"tfa_he":2212,"tw":2212,"age":28,"inc":28530,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":-8388,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":110000,"hmort":95000,"hequity":15000,"nifa":8000,"net_nifa":8000,"tfa":24000,"net_tfa":24000,"tfa_he":39000,"tw":39000,"age":37,"inc":48180,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":24000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":82000,"hmort":76000,"hequity":6000,"nifa":2000,"net_nifa":1300,"tfa":6000,"net_tfa":5300,"tfa_he":11300,"tw":38636,"age":37,"inc":54621,"fsize":4,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-400,"tfa":100,"net_tfa":-400,"tfa_he":-400,"tw":7600,"age":43,"inc":5766,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":826,"net_nifa":826,"tfa":826,"net_tfa":826,"tfa_he":40826,"tw":41826,"age":47,"inc":16956,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":826,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":100,"tfa":1000,"net_tfa":100,"tfa_he":100,"tw":100,"age":26,"inc":24309,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":6000,"hequity":2000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":2400,"tw":5750,"age":31,"inc":19140,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":21000,"hequity":24000,"nifa":77178,"net_nifa":76678,"tfa":77178,"net_tfa":76678,"tfa_he":100678,"tw":108103,"age":49,"inc":37458,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":76678,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30199,"net_nifa":29599,"tfa":30199,"net_tfa":29599,"tfa_he":29599,"tw":35300,"age":51,"inc":28659,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":29599,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10604,"net_nifa":-5396,"tfa":10604,"net_tfa":-5396,"tfa_he":-5396,"tw":-1171,"age":27,"inc":10401,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-5396,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":34935,"age":38,"inc":12750,"fsize":2,"educ":4,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":33600,"a401":0,"hval":110000,"hmort":14000,"hequity":96000,"nifa":300976,"net_nifa":300976,"tfa":334576,"net_tfa":334576,"tfa_he":430576,"tw":494576,"age":49,"inc":110760,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":334576,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":27000,"hequity":38000,"nifa":3000,"net_nifa":-4450,"tfa":3000,"net_tfa":-4450,"tfa_he":33550,"tw":34350,"age":55,"inc":15150,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-4450,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":192,"net_nifa":-108,"tfa":192,"net_tfa":-108,"tfa_he":-108,"tw":16254,"age":52,"inc":11115,"fsize":1,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-108,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12732,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":37424,"net_nifa":35754,"tfa":50156,"net_tfa":48486,"tfa_he":108486,"tw":145359,"age":64,"inc":34881,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":48486,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":5000,"hequity":80000,"nifa":1900,"net_nifa":330,"tfa":1900,"net_tfa":330,"tfa_he":80330,"tw":169330,"age":54,"inc":53475,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":330,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":2000,"age":35,"inc":8700,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":19000,"hequity":11000,"nifa":50,"net_nifa":-550,"tfa":50,"net_tfa":-550,"tfa_he":10450,"tw":12950,"age":30,"inc":15822,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":1490,"net_nifa":1490,"tfa":1490,"net_tfa":1490,"tfa_he":6490,"tw":6490,"age":38,"inc":12816,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1490,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":102000,"hmort":102000,"hequity":0,"nifa":1249,"net_nifa":-751,"tfa":8249,"net_tfa":6249,"tfa_he":6249,"tw":6249,"age":34,"inc":45045,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":6249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12,"net_nifa":-9988,"tfa":12,"net_tfa":-9988,"tfa_he":-9988,"tw":-9988,"age":40,"inc":22689,"fsize":8,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-9988,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":760,"net_nifa":-740,"tfa":760,"net_tfa":-740,"tfa_he":19260,"tw":19260,"age":63,"inc":21630,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-740,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":52000,"hmort":8950,"hequity":43050,"nifa":0,"net_nifa":-2025,"tfa":0,"net_tfa":-2025,"tfa_he":41025,"tw":42191,"age":62,"inc":9894,"fsize":3,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-2025,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":28400,"net_nifa":27500,"tfa":28400,"net_tfa":27500,"tfa_he":27500,"tw":49500,"age":44,"inc":44205,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":27500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10800,"a401":0,"hval":200000,"hmort":62000,"hequity":138000,"nifa":4525,"net_nifa":4525,"tfa":15325,"net_tfa":15325,"tfa_he":153325,"tw":153325,"age":46,"inc":87150,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":15325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8600,"net_nifa":6300,"tfa":8600,"net_tfa":6300,"tfa_he":6300,"tw":9250,"age":26,"inc":35820,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":6300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7524,"a401":0,"hval":75000,"hmort":10000,"hequity":65000,"nifa":2106,"net_nifa":1606,"tfa":9630,"net_tfa":9130,"tfa_he":74130,"tw":78130,"age":39,"inc":16692,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":9130,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":11451,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":30000,"hequity":13000,"nifa":750,"net_nifa":750,"tfa":750,"net_tfa":750,"tfa_he":13750,"tw":18075,"age":28,"inc":24690,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":35,"inc":9102,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12900,"a401":0,"hval":80000,"hmort":73000,"hequity":7000,"nifa":3100,"net_nifa":1800,"tfa":16000,"net_tfa":14700,"tfa_he":21700,"tw":31700,"age":46,"inc":35709,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":14700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":33750,"hmort":33750,"hequity":0,"nifa":25,"net_nifa":-9764,"tfa":25,"net_tfa":-9764,"tfa_he":-9764,"tw":-2764,"age":43,"inc":11454,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-9764,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1799,"net_nifa":599,"tfa":2599,"net_tfa":1399,"tfa_he":1399,"tw":4649,"age":32,"inc":24108,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":1399,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":13300,"hequity":16700,"nifa":3135,"net_nifa":2905,"tfa":3135,"net_tfa":2905,"tfa_he":19605,"tw":19605,"age":51,"inc":19956,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2905,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":40000,"hequity":20000,"nifa":4300,"net_nifa":1600,"tfa":4300,"net_tfa":1600,"tfa_he":21600,"tw":23100,"age":32,"inc":12885,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":63000,"hequity":5000,"nifa":225,"net_nifa":75,"tfa":225,"net_tfa":75,"tfa_he":5075,"tw":5075,"age":34,"inc":33105,"fsize":5,"educ":11,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":75,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-400,"tfa":200,"net_tfa":-400,"tfa_he":-400,"tw":-400,"age":28,"inc":921,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":56000,"a401":0,"hval":230000,"hmort":7500,"hequity":222500,"nifa":56000,"net_nifa":55700,"tfa":112000,"net_tfa":111700,"tfa_he":334200,"tw":334200,"age":50,"inc":70902,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":111700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":72000,"hmort":56000,"hequity":16000,"nifa":7000,"net_nifa":7000,"tfa":17000,"net_tfa":17000,"tfa_he":33000,"tw":38000,"age":39,"inc":42009,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":17000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":300,"tfa":2100,"net_tfa":300,"tfa_he":300,"tw":2300,"age":26,"inc":16095,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":4000,"net_tfa":3400,"tfa_he":3400,"tw":3400,"age":41,"inc":26148,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":3400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":25,"net_nifa":-6875,"tfa":25,"net_tfa":-6875,"tfa_he":73125,"tw":83625,"age":44,"inc":27411,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-6875,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":37000,"hmort":37000,"hequity":0,"nifa":510,"net_nifa":-2040,"tfa":510,"net_tfa":-2040,"tfa_he":-2040,"tw":1160,"age":46,"inc":14424,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2040,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":120500,"net_nifa":120500,"tfa":120500,"net_tfa":120500,"tfa_he":205500,"tw":205500,"age":59,"inc":84159,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":120500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":30000,"hequity":40000,"nifa":21000,"net_nifa":21000,"tfa":21000,"net_tfa":21000,"tfa_he":61000,"tw":61000,"age":43,"inc":37776,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3188,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":44300,"net_nifa":44300,"tfa":47488,"net_tfa":47488,"tfa_he":47488,"tw":49638,"age":48,"inc":26916,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":47488,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":168000,"hmort":90000,"hequity":78000,"nifa":1000,"net_nifa":-2000,"tfa":1000,"net_tfa":-2000,"tfa_he":76000,"tw":84000,"age":39,"inc":62130,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2200,"a401":0,"hval":55000,"hmort":30000,"hequity":25000,"nifa":3754,"net_nifa":3224,"tfa":5954,"net_tfa":5424,"tfa_he":30424,"tw":30424,"age":46,"inc":38997,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":5424,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18999,"net_nifa":18499,"tfa":28999,"net_tfa":28499,"tfa_he":28499,"tw":28499,"age":43,"inc":52260,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":28499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2450,"net_nifa":2150,"tfa":2450,"net_tfa":2150,"tfa_he":2150,"tw":2150,"age":28,"inc":14877,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":2150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":4000,"hequity":4000,"nifa":250,"net_nifa":-600,"tfa":250,"net_tfa":-600,"tfa_he":3400,"tw":3400,"age":32,"inc":11475,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":800,"age":27,"inc":11454,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":30,"inc":5214,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":21000,"a401":0,"hval":90000,"hmort":53000,"hequity":37000,"nifa":7000,"net_nifa":6400,"tfa":28000,"net_tfa":27400,"tfa_he":64400,"tw":142400,"age":50,"inc":60300,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":27400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-2700,"tfa":300,"net_tfa":-2700,"tfa_he":-2700,"tw":-2700,"age":52,"inc":25020,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-2700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":57000,"hequity":33000,"nifa":599,"net_nifa":-18051,"tfa":599,"net_tfa":-18051,"tfa_he":14949,"tw":23449,"age":36,"inc":10212,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-18051,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":175000,"hmort":15000,"hequity":160000,"nifa":30996,"net_nifa":30996,"tfa":57996,"net_tfa":57996,"tfa_he":217996,"tw":218896,"age":46,"inc":81162,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":57996,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":15500,"hequity":42500,"nifa":50,"net_nifa":-800,"tfa":50,"net_tfa":-800,"tfa_he":41700,"tw":41700,"age":55,"inc":12780,"fsize":3,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":4999,"net_nifa":4719,"tfa":54999,"net_tfa":54719,"tfa_he":104719,"tw":219244,"age":61,"inc":27654,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":54719,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":10000,"hmort":400,"hequity":9600,"nifa":2250,"net_nifa":1450,"tfa":2250,"net_tfa":1450,"tfa_he":11050,"tw":11050,"age":40,"inc":40620,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":43000,"hequity":24000,"nifa":544,"net_nifa":-9456,"tfa":544,"net_tfa":-9456,"tfa_he":14544,"tw":17894,"age":41,"inc":24012,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-9456,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":9584,"age":34,"inc":17136,"fsize":3,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":15,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-5400,"tfa":600,"net_tfa":-5400,"tfa_he":-5400,"tw":-3900,"age":43,"inc":19563,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-5400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":100,"net_nifa":-20,"tfa":100,"net_tfa":-20,"tfa_he":-20,"tw":680,"age":56,"inc":18402,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-20,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":1200,"age":27,"inc":30162,"fsize":5,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":63500,"hequity":46500,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":47000,"tw":47000,"age":40,"inc":35670,"fsize":8,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":53000,"hmort":43400,"hequity":9600,"nifa":900,"net_nifa":-12500,"tfa":900,"net_tfa":-12500,"tfa_he":-2900,"tw":1100,"age":27,"inc":39408,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-12500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":57,"net_nifa":57,"tfa":57,"net_tfa":57,"tfa_he":57,"tw":1057,"age":33,"inc":19767,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":57,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6250,"a401":0,"hval":95000,"hmort":51000,"hequity":44000,"nifa":500,"net_nifa":-13100,"tfa":6750,"net_tfa":-6850,"tfa_he":37150,"tw":47150,"age":45,"inc":22506,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":-6850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":45000,"hequity":13000,"nifa":1350,"net_nifa":-3050,"tfa":1350,"net_tfa":-3050,"tfa_he":9950,"tw":10450,"age":42,"inc":29076,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":1750,"age":38,"inc":12312,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":33000,"hequity":42000,"nifa":18000,"net_nifa":18000,"tfa":18000,"net_tfa":18000,"tfa_he":60000,"tw":60000,"age":41,"inc":44760,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-4631,"tfa":650,"net_tfa":-4631,"tfa_he":-4631,"tw":-4631,"age":33,"inc":31536,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-4631,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1299,"net_nifa":-315701,"tfa":1299,"net_tfa":-315701,"tfa_he":-315701,"tw":-299701,"age":35,"inc":89118,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":-315701,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":60000,"hmort":17500,"hequity":42500,"nifa":10100,"net_nifa":10100,"tfa":24100,"net_tfa":24100,"tfa_he":66600,"tw":128600,"age":61,"inc":28500,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":24100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":139000,"hmort":0,"hequity":139000,"nifa":2001,"net_nifa":2001,"tfa":2001,"net_tfa":2001,"tfa_he":141001,"tw":161001,"age":54,"inc":32520,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":34,"inc":16395,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":57000,"tw":57000,"age":50,"inc":19920,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-4900,"tfa":100,"net_tfa":-4900,"tfa_he":-4900,"tw":-4150,"age":38,"inc":18927,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-5590,"tfa":800,"net_tfa":-5590,"tfa_he":-5590,"tw":-4590,"age":42,"inc":23004,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5590,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-400,"tfa":600,"net_tfa":-400,"tfa_he":-400,"tw":-200,"age":42,"inc":24408,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":70000,"hmort":35000,"hequity":35000,"nifa":6000,"net_nifa":6000,"tfa":12000,"net_tfa":12000,"tfa_he":47000,"tw":51175,"age":35,"inc":51360,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":58,"inc":20016,"fsize":2,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":12240,"fsize":4,"educ":4,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":5000,"hequity":75000,"nifa":100,"net_nifa":-2400,"tfa":100,"net_tfa":-2400,"tfa_he":72600,"tw":77175,"age":54,"inc":18255,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-2400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":180000,"hmort":35000,"hequity":145000,"nifa":16500,"net_nifa":16300,"tfa":21500,"net_tfa":21300,"tfa_he":166300,"tw":170975,"age":45,"inc":33822,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":21300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":29,"inc":10350,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":300,"tfa":800,"net_tfa":300,"tfa_he":300,"tw":300,"age":38,"inc":10245,"fsize":3,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":49,"inc":8535,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2000,"tw":2053,"age":46,"inc":28800,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":-500,"tw":5175,"age":29,"inc":89280,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.43946,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":24000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":35000,"net_nifa":35000,"tfa":59000,"net_tfa":59000,"tfa_he":129000,"tw":138550,"age":50,"inc":22824,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":59000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":3450,"net_nifa":-3850,"tfa":3450,"net_tfa":-3850,"tfa_he":11150,"tw":67200,"age":60,"inc":8850,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-3850,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1450,"tfa":50,"net_tfa":-1450,"tfa_he":-1450,"tw":2075,"age":31,"inc":22572,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10107,"net_nifa":4107,"tfa":10107,"net_tfa":4107,"tfa_he":4107,"tw":80849,"age":48,"inc":28017,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":4107,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":33000,"hequity":17000,"nifa":849,"net_nifa":-3351,"tfa":849,"net_tfa":-3351,"tfa_he":13649,"tw":14399,"age":32,"inc":24045,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-3351,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":25000,"tw":25000,"age":34,"inc":37533,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":15299,"net_nifa":15299,"tfa":15299,"net_tfa":15299,"tfa_he":75299,"tw":92949,"age":50,"inc":14391,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":15299,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3528,"a401":0,"hval":150000,"hmort":22400,"hequity":127600,"nifa":520,"net_nifa":-880,"tfa":4048,"net_tfa":2648,"tfa_he":130248,"tw":130248,"age":41,"inc":28551,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2648,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":20,"age":36,"inc":8976,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":20,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":60200,"net_nifa":59700,"tfa":80200,"net_tfa":79700,"tfa_he":379700,"tw":479700,"age":57,"inc":43350,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":79700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":18750,"fsize":3,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15199,"net_nifa":14699,"tfa":15199,"net_tfa":14699,"tfa_he":14699,"tw":20399,"age":25,"inc":26400,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":14699,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":254,"net_nifa":-1346,"tfa":254,"net_tfa":-1346,"tfa_he":18654,"tw":21229,"age":55,"inc":29634,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-1346,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":0,"hequity":160000,"nifa":27000,"net_nifa":23000,"tfa":27000,"net_tfa":23000,"tfa_he":183000,"tw":189000,"age":57,"inc":16500,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":23000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-2069,"tfa":25,"net_tfa":-2069,"tfa_he":-2069,"tw":-2069,"age":26,"inc":5919,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2069,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":61000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":68350,"net_nifa":67350,"tfa":129350,"net_tfa":128350,"tfa_he":178350,"tw":178350,"age":45,"inc":95184,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":128350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-600,"tfa":400,"net_tfa":-600,"tfa_he":-600,"tw":8953,"age":51,"inc":13479,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":55000,"hequity":10000,"nifa":250,"net_nifa":-550,"tfa":250,"net_tfa":-550,"tfa_he":9450,"tw":9450,"age":43,"inc":14292,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16,"net_nifa":-784,"tfa":16,"net_tfa":-784,"tfa_he":-784,"tw":3216,"age":41,"inc":22800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-784,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":37000,"hmort":16000,"hequity":21000,"nifa":2499,"net_nifa":-1501,"tfa":2499,"net_tfa":-1501,"tfa_he":19499,"tw":19499,"age":57,"inc":27927,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1501,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":-400,"age":56,"inc":19434,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":0,"age":27,"inc":15300,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":603,"net_nifa":-6397,"tfa":603,"net_tfa":-6397,"tfa_he":-6397,"tw":33703,"age":43,"inc":11103,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-6397,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":83000,"hmort":27000,"hequity":56000,"nifa":8349,"net_nifa":1549,"tfa":8349,"net_tfa":1549,"tfa_he":57549,"tw":57549,"age":54,"inc":36996,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":16500,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7199,"net_nifa":7199,"tfa":7199,"net_tfa":7199,"tfa_he":7199,"tw":14675,"age":28,"inc":41232,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":7199,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7350,"a401":0,"hval":300000,"hmort":32500,"hequity":267500,"nifa":10048,"net_nifa":10048,"tfa":17398,"net_tfa":17398,"tfa_he":284898,"tw":595898,"age":46,"inc":12927,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":17398,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-2000,"tfa":200,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":62,"inc":17340,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":38000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":20000,"age":64,"inc":4779,"fsize":6,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1800,"tfa":100,"net_tfa":-1800,"tfa_he":-1800,"tw":-1425,"age":25,"inc":27726,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-17500,"tfa":0,"net_tfa":-17500,"tfa_he":-17500,"tw":193500,"age":48,"inc":72810,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-17500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":35000,"hequity":110000,"nifa":4199,"net_nifa":4199,"tfa":4199,"net_tfa":4199,"tfa_he":114199,"tw":114199,"age":38,"inc":42906,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":34000,"hequity":116000,"nifa":17499,"net_nifa":13499,"tfa":17499,"net_tfa":13499,"tfa_he":129499,"tw":129499,"age":48,"inc":65370,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":13499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":3200,"tfa":5200,"net_tfa":3200,"tfa_he":3200,"tw":6200,"age":42,"inc":116262,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":6350,"age":59,"inc":9705,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":42000,"hmort":0,"hequity":42000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":42000,"tw":50000,"age":54,"inc":27732,"fsize":2,"educ":11,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2900,"net_nifa":2700,"tfa":2900,"net_tfa":2700,"tfa_he":2700,"tw":6125,"age":31,"inc":16527,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":21299,"net_nifa":21299,"tfa":21299,"net_tfa":21299,"tfa_he":61299,"tw":62499,"age":49,"inc":56646,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":21299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":48000,"a401":0,"hval":150000,"hmort":3000,"hequity":147000,"nifa":52000,"net_nifa":52000,"tfa":100000,"net_tfa":100000,"tfa_he":247000,"tw":376000,"age":59,"inc":100941,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":12000,"hequity":78000,"nifa":22950,"net_nifa":17900,"tfa":22950,"net_tfa":17900,"tfa_he":95900,"tw":99900,"age":58,"inc":58959,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":17900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-7000,"tfa":400,"net_tfa":-7000,"tfa_he":-7000,"tw":675,"age":43,"inc":21792,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":0,"hequity":48000,"nifa":17,"net_nifa":17,"tfa":17,"net_tfa":17,"tfa_he":48017,"tw":54017,"age":48,"inc":16665,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":17,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-100,"tfa":250,"net_tfa":-100,"tfa_he":-100,"tw":993,"age":25,"inc":14895,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":150000,"hmort":2700,"hequity":147300,"nifa":7499,"net_nifa":6999,"tfa":9499,"net_tfa":8999,"tfa_he":156299,"tw":159649,"age":58,"inc":13404,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.13209,"net_n401":8999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":950,"age":41,"inc":10200,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":45300,"tw":45300,"age":34,"inc":13818,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":-1400,"tw":-1400,"age":34,"inc":16686,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17299,"net_nifa":17299,"tfa":17299,"net_tfa":17299,"tfa_he":17299,"tw":21230,"age":57,"inc":43968,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":17299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":27000,"hequity":33000,"nifa":4200,"net_nifa":4200,"tfa":4200,"net_tfa":4200,"tfa_he":37200,"tw":37200,"age":57,"inc":27366,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-1000,"tfa":900,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":34,"inc":16320,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":1499,"tw":1499,"age":49,"inc":41658,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":1499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1299,"net_nifa":1299,"tfa":1299,"net_tfa":1299,"tfa_he":1299,"tw":1799,"age":55,"inc":4359,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":1299,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":275,"net_nifa":-5872,"tfa":275,"net_tfa":-5872,"tfa_he":-5872,"tw":-5872,"age":29,"inc":28005,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5872,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":7500,"tw":7500,"age":37,"inc":30540,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":64,"inc":13122,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":52000,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":162300,"net_nifa":162300,"tfa":214300,"net_tfa":214300,"tfa_he":279300,"tw":314300,"age":43,"inc":84900,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":214300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67000,"net_nifa":67000,"tfa":67000,"net_tfa":67000,"tfa_he":67000,"tw":67000,"age":52,"inc":27780,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":67000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4100,"net_nifa":3550,"tfa":4100,"net_tfa":3550,"tfa_he":3550,"tw":9650,"age":28,"inc":21267,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":3550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":2700,"age":54,"inc":23358,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":38000,"hequity":32000,"nifa":700,"net_nifa":400,"tfa":700,"net_tfa":400,"tfa_he":32400,"tw":35075,"age":41,"inc":25272,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":2280,"tfa":2300,"net_tfa":2280,"tfa_he":2280,"tw":2280,"age":30,"inc":23268,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":2280,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-3000,"tfa":1000,"net_tfa":-3000,"tfa_he":-3000,"tw":28725,"age":25,"inc":33750,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":150000,"hequity":25000,"nifa":4200,"net_nifa":4200,"tfa":92800,"net_tfa":92800,"tfa_he":117800,"tw":146853,"age":52,"inc":100596,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":300,"net_nifa":-900,"tfa":300,"net_tfa":-900,"tfa_he":24100,"tw":26766,"age":28,"inc":39618,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":32000,"hequity":26000,"nifa":8420,"net_nifa":8420,"tfa":8420,"net_tfa":8420,"tfa_he":34420,"tw":47020,"age":42,"inc":66111,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":8420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":175000,"hmort":32000,"hequity":143000,"nifa":8500,"net_nifa":5700,"tfa":36500,"net_tfa":33700,"tfa_he":176700,"tw":206700,"age":47,"inc":38946,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":27700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":99,"tw":99,"age":42,"inc":15306,"fsize":1,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":99,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":27000,"hequity":0,"nifa":1140,"net_nifa":1140,"tfa":1140,"net_tfa":1140,"tfa_he":1140,"tw":7140,"age":36,"inc":34488,"fsize":5,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":1140,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-29050,"tfa":0,"net_tfa":-29050,"tfa_he":-29050,"tw":-28550,"age":48,"inc":16560,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-29050,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":-16537,"tfa":15500,"net_tfa":-4537,"tfa_he":-4537,"tw":231463,"age":41,"inc":95706,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":-4537,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2700,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":12100,"net_nifa":12100,"tfa":14800,"net_tfa":14800,"tfa_he":59800,"tw":61800,"age":53,"inc":37482,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":14800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":47500,"hequity":17500,"nifa":3360,"net_nifa":360,"tfa":3360,"net_tfa":360,"tfa_he":17860,"tw":17860,"age":26,"inc":30720,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":360,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":0,"hequity":48000,"nifa":3999,"net_nifa":3999,"tfa":3999,"net_tfa":3999,"tfa_he":51999,"tw":56505,"age":59,"inc":15450,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":3999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":23668,"a401":0,"hval":215000,"hmort":150000,"hequity":65000,"nifa":56298,"net_nifa":56298,"tfa":79966,"net_tfa":79966,"tfa_he":144966,"tw":144966,"age":47,"inc":20910,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":79966,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":600,"age":36,"inc":6411,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":62500,"hequity":2500,"nifa":4,"net_nifa":-1596,"tfa":4,"net_tfa":-1596,"tfa_he":904,"tw":904,"age":27,"inc":6780,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-1596,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":14549,"net_nifa":13497,"tfa":14549,"net_tfa":13497,"tfa_he":73497,"tw":78072,"age":59,"inc":13776,"fsize":1,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":13497,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":8670,"fsize":7,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":3365,"age":46,"inc":7638,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":15,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10050,"net_nifa":-7950,"tfa":23050,"net_tfa":5050,"tfa_he":5050,"tw":5050,"age":32,"inc":95961,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.48881,"net_n401":5050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":99900,"hmort":89000,"hequity":10900,"nifa":499,"net_nifa":-2501,"tfa":499,"net_tfa":-2501,"tfa_he":8399,"tw":58749,"age":52,"inc":11910,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-2501,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":2998,"net_nifa":-42002,"tfa":34998,"net_tfa":-10002,"tfa_he":164998,"tw":414998,"age":64,"inc":49365,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":-10002,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":62000,"hmort":50000,"hequity":12000,"nifa":1416,"net_nifa":-5559,"tfa":1416,"net_tfa":-5559,"tfa_he":6441,"tw":11441,"age":29,"inc":31740,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-5559,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":740,"age":34,"inc":15390,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":10,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":31500,"hequity":8500,"nifa":8850,"net_nifa":8000,"tfa":8850,"net_tfa":8000,"tfa_he":16500,"tw":34500,"age":28,"inc":71259,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":54500,"hmort":51400,"hequity":3100,"nifa":24999,"net_nifa":24999,"tfa":30999,"net_tfa":30999,"tfa_he":34099,"tw":34099,"age":42,"inc":43500,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":30999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-890,"tfa":10,"net_tfa":-890,"tfa_he":-890,"tw":3110,"age":52,"inc":10806,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-890,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":40000,"hequity":210000,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":209100,"tw":274100,"age":62,"inc":69960,"fsize":9,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":210000,"hmort":40000,"hequity":170000,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":174999,"tw":174999,"age":53,"inc":13110,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":4999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":2120,"hequity":3880,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":3880,"tw":5140,"age":43,"inc":4836,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":294,"net_nifa":294,"tfa":294,"net_tfa":294,"tfa_he":294,"tw":2794,"age":47,"inc":14040,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":294,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":9149,"net_nifa":8249,"tfa":9149,"net_tfa":8249,"tfa_he":53249,"tw":54099,"age":63,"inc":17733,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":8249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":27000,"hmort":0,"hequity":27000,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":27499,"tw":30849,"age":60,"inc":13290,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":67500,"hequity":7500,"nifa":50,"net_nifa":-450,"tfa":50,"net_tfa":-450,"tfa_he":7050,"tw":7050,"age":59,"inc":25785,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1999,"tfa":1999,"net_tfa":1999,"tfa_he":1999,"tw":1999,"age":26,"inc":20724,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":64,"inc":7674,"fsize":1,"educ":2,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":590,"net_nifa":-2210,"tfa":590,"net_tfa":-2210,"tfa_he":-2210,"tw":-2210,"age":28,"inc":21300,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-2210,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40,"net_nifa":40,"tfa":40,"net_tfa":40,"tfa_he":40,"tw":40,"age":51,"inc":23460,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":40,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":75,"tfa":75,"net_tfa":75,"tfa_he":75,"tw":131886,"age":30,"inc":25500,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":75,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3600,"net_nifa":3600,"tfa":3600,"net_tfa":3600,"tfa_he":3600,"tw":5175,"age":45,"inc":29400,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":3600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":2656,"net_nifa":1340,"tfa":2656,"net_tfa":1340,"tfa_he":51340,"tw":60000,"age":41,"inc":29715,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":1340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":11772,"hequity":6228,"nifa":200,"net_nifa":-7800,"tfa":200,"net_tfa":-7800,"tfa_he":-1572,"tw":1761,"age":28,"inc":42051,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":-7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":21200,"net_nifa":19600,"tfa":21200,"net_tfa":19600,"tfa_he":64600,"tw":70196,"age":27,"inc":6096,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.35361,"net_n401":19600,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":3943,"age":61,"inc":18360,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6500,"a401":0,"hval":130000,"hmort":30000,"hequity":100000,"nifa":224000,"net_nifa":224000,"tfa":230500,"net_tfa":230500,"tfa_he":330500,"tw":358100,"age":45,"inc":76428,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":230500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1120,"tfa":1200,"net_tfa":1120,"tfa_he":1120,"tw":3820,"age":44,"inc":20505,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":1120,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":43,"inc":25245,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":10080,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":29000,"net_nifa":29000,"tfa":29000,"net_tfa":29000,"tfa_he":79000,"tw":88400,"age":58,"inc":20067,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":49700,"tw":53700,"age":55,"inc":22188,"fsize":5,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-8195,"tfa":5,"net_tfa":-8195,"tfa_he":-8195,"tw":-8195,"age":28,"inc":27246,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-8195,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2249,"a401":0,"hval":90000,"hmort":28000,"hequity":62000,"nifa":80008,"net_nifa":77508,"tfa":82257,"net_tfa":79757,"tfa_he":141757,"tw":142757,"age":55,"inc":38679,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":79757,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":-2000,"tfa":8000,"net_tfa":-2000,"tfa_he":-2000,"tw":-145,"age":37,"inc":69120,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":24126,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":7290,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1250,"net_nifa":-12750,"tfa":1250,"net_tfa":-12750,"tfa_he":-12750,"tw":-8507,"age":32,"inc":30927,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-12750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90130,"net_nifa":89430,"tfa":91630,"net_tfa":90930,"tfa_he":90930,"tw":99930,"age":36,"inc":93648,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":90930,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":500,"net_nifa":-545,"tfa":500,"net_tfa":-545,"tfa_he":69455,"tw":69455,"age":56,"inc":32436,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-545,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":-9300,"tfa":12000,"net_tfa":-9300,"tfa_he":-9300,"tw":12700,"age":27,"inc":97950,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.43946,"net_n401":-9300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9999,"net_nifa":9999,"tfa":9999,"net_tfa":9999,"tfa_he":9999,"tw":9999,"age":25,"inc":5700,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":9999,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":50000,"net_nifa":48800,"tfa":64000,"net_tfa":62800,"tfa_he":177800,"tw":378600,"age":57,"inc":61500,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":62800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":10000,"hequity":50000,"nifa":2300,"net_nifa":-2300,"tfa":2300,"net_tfa":-2300,"tfa_he":47700,"tw":50375,"age":50,"inc":18450,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":40,"net_nifa":-1455,"tfa":40,"net_tfa":-1455,"tfa_he":56545,"tw":56545,"age":34,"inc":24048,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1455,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13500,"a401":0,"hval":145000,"hmort":115000,"hequity":30000,"nifa":14999,"net_nifa":13799,"tfa":28499,"net_tfa":27299,"tfa_he":57299,"tw":81799,"age":51,"inc":75162,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":27299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":540,"net_nifa":465,"tfa":540,"net_tfa":465,"tfa_he":465,"tw":465,"age":37,"inc":15003,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":465,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-900,"tfa":200,"net_tfa":-900,"tfa_he":-900,"tw":5779,"age":29,"inc":23172,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":12360,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16000,"hmort":8000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":8000,"age":32,"inc":12960,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":24000,"hequity":61000,"nifa":41900,"net_nifa":41710,"tfa":41900,"net_tfa":41710,"tfa_he":102710,"tw":111685,"age":47,"inc":22092,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":41710,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":39600,"hequity":5400,"nifa":800,"net_nifa":-600,"tfa":800,"net_tfa":-600,"tfa_he":4800,"tw":4800,"age":30,"inc":36066,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-1251,"tfa":249,"net_tfa":-1251,"tfa_he":-1251,"tw":-751,"age":60,"inc":5472,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1251,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":850,"net_nifa":850,"tfa":850,"net_tfa":850,"tfa_he":850,"tw":2350,"age":41,"inc":27045,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6399,"net_nifa":5899,"tfa":6399,"net_tfa":5899,"tfa_he":5899,"tw":5899,"age":43,"inc":34608,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":5899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":200000,"hmort":53000,"hequity":147000,"nifa":15612,"net_nifa":14612,"tfa":25612,"net_tfa":24612,"tfa_he":171612,"tw":189612,"age":60,"inc":62700,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":24612,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":219999,"net_nifa":219759,"tfa":231999,"net_tfa":231759,"tfa_he":231759,"tw":231759,"age":57,"inc":27696,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":231759,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":32000,"net_nifa":32000,"tfa":32000,"net_tfa":32000,"tfa_he":157000,"tw":159500,"age":37,"inc":21000,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":32000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-3370,"tfa":30,"net_tfa":-3370,"tfa_he":-3370,"tw":-2870,"age":63,"inc":28908,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-3370,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":6600,"net_nifa":5396,"tfa":18600,"net_tfa":17396,"tfa_he":77396,"tw":77396,"age":61,"inc":33090,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":17396,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":-251,"tfa":999,"net_tfa":-251,"tfa_he":-251,"tw":11949,"age":28,"inc":4869,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-251,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2575,"age":40,"inc":19125,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":62000,"hmort":60000,"hequity":2000,"nifa":500,"net_nifa":500,"tfa":7500,"net_tfa":7500,"tfa_he":9500,"tw":13179,"age":48,"inc":29496,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":200,"a401":0,"hval":182000,"hmort":150000,"hequity":32000,"nifa":150,"net_nifa":-11850,"tfa":350,"net_tfa":-11650,"tfa_he":20350,"tw":84850,"age":43,"inc":56589,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":-11650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":799,"tfa":799,"net_tfa":799,"tfa_he":799,"tw":799,"age":49,"inc":9228,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":799,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":1015,"age":31,"inc":16029,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":15,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":40,"inc":40662,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":35000,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":2700,"age":37,"inc":17850,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":45000,"hequity":105000,"nifa":7500,"net_nifa":7500,"tfa":7500,"net_tfa":7500,"tfa_he":112500,"tw":192500,"age":47,"inc":33930,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30600,"hequity":9400,"nifa":225,"net_nifa":225,"tfa":225,"net_tfa":225,"tfa_he":9625,"tw":18125,"age":38,"inc":29028,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":225,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5172,"a401":0,"hval":140000,"hmort":89000,"hequity":51000,"nifa":16550,"net_nifa":12235,"tfa":21722,"net_tfa":17407,"tfa_he":68407,"tw":88407,"age":38,"inc":99330,"fsize":3,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":17407,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":100000,"hmort":72000,"hequity":28000,"nifa":400,"net_nifa":-1400,"tfa":20400,"net_tfa":18600,"tfa_he":46600,"tw":62600,"age":41,"inc":42060,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":18600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":1225,"age":35,"inc":23091,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":1000,"hequity":2000,"nifa":0,"net_nifa":-130,"tfa":0,"net_tfa":-130,"tfa_he":1870,"tw":1995,"age":51,"inc":4137,"fsize":3,"educ":6,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-130,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":600,"tfa":1400,"net_tfa":600,"tfa_he":600,"tw":6100,"age":47,"inc":13800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":44,"inc":13005,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":57000,"hequity":0,"nifa":18500,"net_nifa":11500,"tfa":18500,"net_tfa":11500,"tfa_he":11500,"tw":18000,"age":26,"inc":37350,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":250,"age":39,"inc":7665,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":5000,"net_nifa":4000,"tfa":5000,"net_tfa":4000,"tfa_he":34000,"tw":34000,"age":63,"inc":37320,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":17800,"net_nifa":16800,"tfa":17800,"net_tfa":16800,"tfa_he":76800,"tw":88800,"age":61,"inc":48582,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":16800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":71000,"hmort":62000,"hequity":9000,"nifa":10840,"net_nifa":10840,"tfa":60840,"net_tfa":60840,"tfa_he":69840,"tw":75840,"age":39,"inc":27546,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":60840,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12,"net_nifa":-3288,"tfa":12,"net_tfa":-3288,"tfa_he":-3288,"tw":-3288,"age":26,"inc":1275,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-3288,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":19500,"age":42,"inc":18000,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":120000,"hmort":73000,"hequity":47000,"nifa":3621,"net_nifa":2821,"tfa":13621,"net_tfa":12821,"tfa_he":59821,"tw":59821,"age":42,"inc":56550,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":12821,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":126000,"hequity":4000,"nifa":23500,"net_nifa":21800,"tfa":23500,"net_tfa":21800,"tfa_he":25800,"tw":25800,"age":44,"inc":98880,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":21800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":65000,"hmort":22050,"hequity":42950,"nifa":500,"net_nifa":-69500,"tfa":8000,"net_tfa":-62000,"tfa_he":-19050,"tw":-19050,"age":58,"inc":16800,"fsize":2,"educ":6,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14649,"net_n401":-62000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-11000,"tfa":1500,"net_tfa":-11000,"tfa_he":-11000,"tw":-2321,"age":44,"inc":48135,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-11000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":104,"net_nifa":-96,"tfa":104,"net_tfa":-96,"tfa_he":-96,"tw":-96,"age":34,"inc":20880,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-96,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":11631,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":9600,"hequity":2400,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2400,"tw":2400,"age":25,"inc":3600,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":37000,"hequity":3000,"nifa":100,"net_nifa":-2100,"tfa":100,"net_tfa":-2100,"tfa_he":900,"tw":8980,"age":38,"inc":31896,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-500,"tfa":12500,"net_tfa":9500,"tfa_he":9500,"tw":9500,"age":41,"inc":30000,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.67399,"net_n401":9500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47712,"hmort":47712,"hequity":0,"nifa":0,"net_nifa":-80,"tfa":0,"net_tfa":-80,"tfa_he":-80,"tw":-80,"age":31,"inc":12036,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-80,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":65500,"hequity":7500,"nifa":5545,"net_nifa":-355,"tfa":5545,"net_tfa":-355,"tfa_he":7145,"tw":8845,"age":41,"inc":70671,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-355,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":8998,"hequity":1002,"nifa":1400,"net_nifa":16,"tfa":1400,"net_tfa":16,"tfa_he":1018,"tw":1018,"age":37,"inc":35739,"fsize":2,"educ":17,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":16,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9900,"a401":0,"hval":85000,"hmort":56000,"hequity":29000,"nifa":8100,"net_nifa":2292,"tfa":18000,"net_tfa":12192,"tfa_he":41192,"tw":41192,"age":27,"inc":31830,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":12192,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-3200,"tfa":800,"net_tfa":-3200,"tfa_he":-3200,"tw":-3200,"age":38,"inc":32805,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14942,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":14396,"net_nifa":14396,"tfa":29338,"net_tfa":29338,"tfa_he":94338,"tw":95338,"age":47,"inc":51654,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":29338,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":20000,"hequity":35000,"nifa":19000,"net_nifa":19000,"tfa":19000,"net_tfa":19000,"tfa_he":54000,"tw":54000,"age":63,"inc":18549,"fsize":2,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":19000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":4000,"hmort":2000,"hequity":2000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":2100,"tw":3750,"age":25,"inc":14790,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":3666,"age":38,"inc":20478,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":28600,"a401":0,"hval":100000,"hmort":35000,"hequity":65000,"nifa":117300,"net_nifa":117120,"tfa":145900,"net_tfa":145720,"tfa_he":210720,"tw":213220,"age":63,"inc":41790,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":145720,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":85,"net_nifa":85,"tfa":85,"net_tfa":85,"tfa_he":85,"tw":585,"age":31,"inc":8088,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":85,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8000,"age":29,"inc":29355,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130900,"hmort":97500,"hequity":33400,"nifa":3350,"net_nifa":0,"tfa":3350,"net_tfa":0,"tfa_he":33400,"tw":42300,"age":32,"inc":66897,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6199,"net_nifa":-801,"tfa":6199,"net_tfa":-801,"tfa_he":-801,"tw":999,"age":32,"inc":34938,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-801,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9,"net_nifa":-1031,"tfa":9,"net_tfa":-1031,"tfa_he":-1031,"tw":-1031,"age":29,"inc":25668,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1031,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":108000,"hequity":27000,"nifa":42000,"net_nifa":41900,"tfa":42000,"net_tfa":41900,"tfa_he":68900,"tw":68900,"age":47,"inc":123690,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":41900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24999,"net_nifa":24999,"tfa":24999,"net_tfa":24999,"tfa_he":24999,"tw":24999,"age":46,"inc":43896,"fsize":3,"educ":17,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":24999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":48000,"hequity":10000,"nifa":199,"net_nifa":-2961,"tfa":199,"net_tfa":-2961,"tfa_he":7039,"tw":7039,"age":32,"inc":40104,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2961,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":64000,"hequity":1000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":1300,"tw":9300,"age":36,"inc":57624,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":42000,"tw":45500,"age":30,"inc":22074,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":19300,"net_nifa":18618,"tfa":26300,"net_tfa":25618,"tfa_he":115618,"tw":219583,"age":59,"inc":40854,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":25618,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":32,"inc":14664,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2450,"tfa":50,"net_tfa":-2450,"tfa_he":-2450,"tw":550,"age":31,"inc":47676,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-2450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":54000,"hequity":9000,"nifa":3400,"net_nifa":1780,"tfa":3400,"net_tfa":1780,"tfa_he":10780,"tw":35780,"age":36,"inc":47733,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1780,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-7900,"tfa":400,"net_tfa":-7900,"tfa_he":-7900,"tw":100,"age":63,"inc":20724,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-7900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-500,"tfa":150,"net_tfa":-500,"tfa_he":-500,"tw":0,"age":40,"inc":6774,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":4999,"tw":4999,"age":32,"inc":4890,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":4999,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":-100,"tfa":1800,"net_tfa":-100,"tfa_he":-100,"tw":650,"age":33,"inc":42183,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":69000,"hequity":31000,"nifa":500,"net_nifa":-2400,"tfa":500,"net_tfa":-2400,"tfa_he":28600,"tw":28600,"age":38,"inc":22776,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2499,"net_nifa":2499,"tfa":2499,"net_tfa":2499,"tfa_he":2499,"tw":4499,"age":59,"inc":16650,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":2499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":72000,"tw":73000,"age":46,"inc":11592,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3899,"net_nifa":3899,"tfa":10499,"net_tfa":10499,"tfa_he":10499,"tw":16499,"age":35,"inc":15144,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11816,"net_n401":10499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":550,"tfa":2500,"net_tfa":550,"tfa_he":550,"tw":2816,"age":28,"inc":45045,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":49000,"hequity":121000,"nifa":15100,"net_nifa":11700,"tfa":15100,"net_tfa":11700,"tfa_he":132700,"tw":132700,"age":41,"inc":52089,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":11700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":57,"a401":0,"hval":85000,"hmort":78000,"hequity":7000,"nifa":2650,"net_nifa":1850,"tfa":2707,"net_tfa":1907,"tfa_he":8907,"tw":8907,"age":31,"inc":58980,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":1907,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":136000,"hmort":86000,"hequity":50000,"nifa":1960,"net_nifa":-1240,"tfa":1960,"net_tfa":-1240,"tfa_he":48760,"tw":65560,"age":40,"inc":61398,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1240,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1067,"tfa":0,"net_tfa":-1067,"tfa_he":-1067,"tw":-1067,"age":59,"inc":6684,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-1067,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":114000,"hmort":91000,"hequity":23000,"nifa":831,"net_nifa":-369,"tfa":831,"net_tfa":-369,"tfa_he":22631,"tw":22831,"age":49,"inc":25704,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-369,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":65000,"hequity":15000,"nifa":4849,"net_nifa":3749,"tfa":4849,"net_tfa":3749,"tfa_he":18749,"tw":18749,"age":51,"inc":45102,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":170000,"tw":170000,"age":56,"inc":41466,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":330,"net_nifa":-376,"tfa":330,"net_tfa":-376,"tfa_he":-376,"tw":-376,"age":38,"inc":13080,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-376,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":68000,"hequity":2000,"nifa":17,"net_nifa":-6983,"tfa":17,"net_tfa":-6983,"tfa_he":-4983,"tw":-3983,"age":37,"inc":15882,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-6983,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":114000,"hmort":0,"hequity":114000,"nifa":1000,"net_nifa":-409000,"tfa":1000,"net_tfa":-409000,"tfa_he":-295000,"tw":-279000,"age":40,"inc":115584,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-409000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":1000,"hmort":0,"hequity":1000,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":1250,"tw":1750,"age":30,"inc":16500,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":63200,"hequity":6800,"nifa":9998,"net_nifa":9998,"tfa":9998,"net_tfa":9998,"tfa_he":16798,"tw":16798,"age":33,"inc":40470,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":9998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":700,"tw":8300,"age":29,"inc":25614,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":700,"age":41,"inc":20928,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1130,"net_nifa":1130,"tfa":1130,"net_tfa":1130,"tfa_he":1130,"tw":3630,"age":26,"inc":26409,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":1130,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":75000,"hmort":25000,"hequity":50000,"nifa":1191,"net_nifa":-809,"tfa":4691,"net_tfa":2691,"tfa_he":52691,"tw":52691,"age":36,"inc":36045,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":2691,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":9600,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1999,"tfa":1999,"net_tfa":1999,"tfa_he":1999,"tw":1999,"age":30,"inc":28356,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":9400,"tfa":10000,"net_tfa":9400,"tfa_he":9400,"tw":9400,"age":31,"inc":32202,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":9400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-5100,"tfa":100,"net_tfa":-5100,"tfa_he":-5100,"tw":-2718,"age":35,"inc":38244,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-5100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":632,"net_nifa":632,"tfa":2132,"net_tfa":2132,"tfa_he":22132,"tw":24632,"age":64,"inc":12171,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":2132,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":15720,"fsize":4,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":22500,"hequity":27500,"nifa":21,"net_nifa":-929,"tfa":21,"net_tfa":-929,"tfa_he":26571,"tw":30621,"age":40,"inc":30936,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-929,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1443,"net_nifa":-12007,"tfa":1443,"net_tfa":-12007,"tfa_he":-12007,"tw":-6407,"age":27,"inc":23850,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-12007,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2050,"net_nifa":2050,"tfa":2050,"net_tfa":2050,"tfa_he":2050,"tw":61550,"age":37,"inc":25920,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":2050,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14000,"net_nifa":13493,"tfa":14000,"net_tfa":13493,"tfa_he":13493,"tw":135672,"age":34,"inc":53562,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":13493,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":8000,"hequity":14000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":14000,"tw":16000,"age":61,"inc":25092,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":34500,"hmort":22700,"hequity":11800,"nifa":443,"net_nifa":-1607,"tfa":443,"net_tfa":-1607,"tfa_he":10193,"tw":20193,"age":30,"inc":27093,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1607,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19328,"net_nifa":-121472,"tfa":19328,"net_tfa":-121472,"tfa_he":-121472,"tw":-46472,"age":33,"inc":40902,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-121472,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":74000,"hmort":72000,"hequity":2000,"nifa":3674,"net_nifa":1174,"tfa":3674,"net_tfa":1174,"tfa_he":3174,"tw":3174,"age":25,"inc":30219,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1174,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-180,"tfa":20,"net_tfa":-180,"tfa_he":-180,"tw":1385,"age":59,"inc":10788,"fsize":1,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-180,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":21500,"age":56,"inc":21600,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":4100,"net_nifa":4100,"tfa":11100,"net_tfa":11100,"tfa_he":71100,"tw":76766,"age":36,"inc":18750,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":11100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":38800,"net_nifa":38800,"tfa":40800,"net_tfa":40800,"tfa_he":40800,"tw":49775,"age":42,"inc":32025,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":40800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":-3300,"tfa":1700,"net_tfa":-3300,"tfa_he":-3300,"tw":475,"age":32,"inc":27960,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-3300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":47000,"hequity":98000,"nifa":2300,"net_nifa":-2950,"tfa":2300,"net_tfa":-2950,"tfa_he":95050,"tw":102150,"age":50,"inc":53940,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-13000,"tfa":0,"net_tfa":-13000,"tfa_he":-13000,"tw":-8667,"age":27,"inc":19962,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-13000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":150000,"hmort":34000,"hequity":116000,"nifa":12200,"net_nifa":10300,"tfa":19200,"net_tfa":17300,"tfa_he":133300,"tw":133300,"age":61,"inc":58680,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":17300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":23000,"hmort":0,"hequity":23000,"nifa":4000,"net_nifa":-1800,"tfa":4000,"net_tfa":-1800,"tfa_he":21200,"tw":37461,"age":57,"inc":19440,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-1800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":42000,"hequity":48000,"nifa":1300,"net_nifa":-370,"tfa":1300,"net_tfa":-370,"tfa_he":47630,"tw":47630,"age":46,"inc":57513,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-370,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-3250,"tfa":650,"net_tfa":-3250,"tfa_he":-3250,"tw":-2750,"age":29,"inc":14556,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":52000,"hequity":88000,"nifa":10398,"net_nifa":10398,"tfa":10398,"net_tfa":10398,"tfa_he":98398,"tw":110398,"age":42,"inc":51492,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":10398,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":9999,"net_nifa":9885,"tfa":9999,"net_tfa":9885,"tfa_he":209885,"tw":209885,"age":53,"inc":22872,"fsize":6,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":9885,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3825,"age":44,"inc":30600,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-425,"tfa":0,"net_tfa":-425,"tfa_he":-425,"tw":-425,"age":28,"inc":20148,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":30,"inc":11820,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":37000,"hequity":38000,"nifa":15500,"net_nifa":15350,"tfa":15500,"net_tfa":15350,"tfa_he":53350,"tw":53350,"age":42,"inc":56046,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":15350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":24999,"net_nifa":24999,"tfa":24999,"net_tfa":24999,"tfa_he":74999,"tw":85678,"age":48,"inc":44376,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":24999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":0,"hval":100000,"hmort":65000,"hequity":35000,"nifa":0,"net_nifa":-3100,"tfa":22000,"net_tfa":18900,"tfa_he":53900,"tw":53900,"age":62,"inc":25920,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":18900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":15000,"hmort":15000,"hequity":0,"nifa":2600,"net_nifa":-6400,"tfa":2600,"net_tfa":-6400,"tfa_he":-6400,"tw":-3200,"age":45,"inc":50025,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80900,"net_nifa":79400,"tfa":80900,"net_tfa":79400,"tfa_he":79400,"tw":79400,"age":55,"inc":68760,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":79400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":40000,"hequity":20000,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":19800,"tw":27116,"age":28,"inc":17859,"fsize":3,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":40499,"net_nifa":40499,"tfa":43099,"net_tfa":43099,"tfa_he":113099,"tw":113099,"age":57,"inc":89514,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":43099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":425,"net_nifa":425,"tfa":425,"net_tfa":425,"tfa_he":425,"tw":2925,"age":32,"inc":18294,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":425,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":38500,"hequity":31500,"nifa":549,"net_nifa":-6451,"tfa":549,"net_tfa":-6451,"tfa_he":25049,"tw":25049,"age":33,"inc":34269,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-6451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":150000,"hequity":135000,"nifa":19124,"net_nifa":8724,"tfa":19124,"net_tfa":8724,"tfa_he":143724,"tw":143724,"age":33,"inc":77007,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":8724,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":120000,"hmort":55000,"hequity":65000,"nifa":7499,"net_nifa":7499,"tfa":9499,"net_tfa":9499,"tfa_he":74499,"tw":74999,"age":50,"inc":41775,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":9499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":28,"net_nifa":28,"tfa":28,"net_tfa":28,"tfa_he":28,"tw":778,"age":40,"inc":14283,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":28,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":7461,"age":25,"inc":8670,"fsize":10,"educ":3,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":39,"inc":8700,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":180000,"hmort":54000,"hequity":126000,"nifa":10150,"net_nifa":9900,"tfa":15150,"net_tfa":14900,"tfa_he":140900,"tw":140900,"age":44,"inc":78099,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":14900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":600,"age":38,"inc":24462,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":500,"net_nifa":-4242,"tfa":500,"net_tfa":-4242,"tfa_he":-4242,"tw":758,"age":46,"inc":30600,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-4242,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":75,"tfa":75,"net_tfa":75,"tfa_he":75,"tw":575,"age":42,"inc":6801,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":75,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":17000,"net_nifa":16700,"tfa":17000,"net_tfa":16700,"tfa_he":266700,"tw":351700,"age":59,"inc":27942,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":16700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":33500,"hmort":15000,"hequity":18500,"nifa":949,"net_nifa":949,"tfa":949,"net_tfa":949,"tfa_he":19449,"tw":19649,"age":48,"inc":13215,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":949,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":1600,"net_nifa":1200,"tfa":1600,"net_tfa":1200,"tfa_he":86200,"tw":88440,"age":32,"inc":34788,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":40000,"hequity":45000,"nifa":11243,"net_nifa":11243,"tfa":11243,"net_tfa":11243,"tfa_he":56243,"tw":56243,"age":41,"inc":63939,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":11243,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25000,"hequity":5000,"nifa":522,"net_nifa":-1008,"tfa":522,"net_tfa":-1008,"tfa_he":3992,"tw":11992,"age":29,"inc":15312,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1008,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":38000,"hequity":87000,"nifa":21500,"net_nifa":6500,"tfa":21500,"net_tfa":6500,"tfa_he":93500,"tw":94500,"age":40,"inc":38400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":200000,"hmort":98,"hequity":199902,"nifa":999,"net_nifa":999,"tfa":4999,"net_tfa":4999,"tfa_he":204901,"tw":206779,"age":61,"inc":16014,"fsize":6,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.13209,"net_n401":4999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":15504,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-5950,"tfa":100,"net_tfa":-5950,"tfa_he":-5950,"tw":8050,"age":45,"inc":22812,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":74000,"hmort":72000,"hequity":2000,"nifa":5800,"net_nifa":800,"tfa":5800,"net_tfa":800,"tfa_he":2800,"tw":5800,"age":31,"inc":25158,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":480,"net_nifa":-320,"tfa":480,"net_tfa":-320,"tfa_he":-320,"tw":-320,"age":27,"inc":25953,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-320,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":0,"tfa":1000,"net_tfa":0,"tfa_he":0,"tw":3666,"age":34,"inc":15558,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":4979,"net_nifa":-15141,"tfa":4979,"net_tfa":-15141,"tfa_he":54859,"tw":66859,"age":49,"inc":69555,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-15141,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":28000,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":18298,"net_nifa":18298,"tfa":46298,"net_tfa":46298,"tfa_he":221298,"tw":227298,"age":61,"inc":8739,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.20883,"net_n401":46298,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2850,"tfa":0,"net_tfa":-2850,"tfa_he":-2850,"tw":816,"age":27,"inc":22200,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-2850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-1500,"tfa":1300,"net_tfa":-1500,"tfa_he":-1500,"tw":-1500,"age":27,"inc":14430,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3500,"age":35,"inc":33843,"fsize":2,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6500,"tfa":6500,"net_tfa":6500,"tfa_he":6500,"tw":33000,"age":31,"inc":26058,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":85000,"hequity":0,"nifa":2535,"net_nifa":1035,"tfa":2535,"net_tfa":1035,"tfa_he":1035,"tw":2535,"age":46,"inc":30600,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":1035,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":54500,"a401":0,"hval":105000,"hmort":36000,"hequity":69000,"nifa":5000,"net_nifa":4600,"tfa":59500,"net_tfa":59100,"tfa_he":128100,"tw":153100,"age":57,"inc":74718,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":59100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":49,"tw":799,"age":63,"inc":26823,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":49,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7999,"net_nifa":6799,"tfa":7999,"net_tfa":6799,"tfa_he":6799,"tw":10799,"age":34,"inc":12360,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":6799,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":-1300,"tfa":4700,"net_tfa":200,"tfa_he":200,"tw":44470,"age":48,"inc":5568,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.11738,"net_n401":200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":20000,"hequity":25000,"nifa":3100,"net_nifa":1600,"tfa":3100,"net_tfa":1600,"tfa_he":26600,"tw":31600,"age":39,"inc":77919,"fsize":6,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":61000,"hequity":7000,"nifa":2300,"net_nifa":950,"tfa":2300,"net_tfa":950,"tfa_he":7950,"tw":7950,"age":29,"inc":18450,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":35,"net_nifa":-12465,"tfa":35,"net_tfa":-12465,"tfa_he":187535,"tw":204535,"age":50,"inc":41217,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-12465,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2549,"net_nifa":2549,"tfa":2549,"net_tfa":2549,"tfa_he":2549,"tw":11010,"age":38,"inc":18438,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":2549,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":85,"net_nifa":-4915,"tfa":85,"net_tfa":-4915,"tfa_he":-4915,"tw":-3582,"age":33,"inc":20736,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-4915,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":1700,"tw":2900,"age":38,"inc":20577,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":75000,"hequity":85000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":85200,"tw":85200,"age":60,"inc":24432,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":209075,"net_nifa":209075,"tfa":223075,"net_tfa":223075,"tfa_he":223075,"tw":225575,"age":30,"inc":63750,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.63866,"net_n401":223075,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9043,"net_nifa":4591,"tfa":9043,"net_tfa":4591,"tfa_he":4591,"tw":16393,"age":26,"inc":28356,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":4591,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":46000,"hequity":9000,"nifa":600,"net_nifa":-9400,"tfa":600,"net_tfa":-9400,"tfa_he":-400,"tw":20200,"age":38,"inc":36648,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-9400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-900,"tfa":100,"net_tfa":-900,"tfa_he":-900,"tw":6900,"age":29,"inc":40074,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":33,"inc":12264,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":27100,"net_nifa":26800,"tfa":34100,"net_tfa":33800,"tfa_he":133800,"tw":142581,"age":49,"inc":30063,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":33800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":100,"age":32,"inc":14529,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13514,"net_nifa":7768,"tfa":13514,"net_tfa":7768,"tfa_he":7768,"tw":7768,"age":31,"inc":32256,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":7768,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":19900,"hequity":7100,"nifa":3300,"net_nifa":-6700,"tfa":3300,"net_tfa":-6700,"tfa_he":400,"tw":6750,"age":40,"inc":22752,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2550,"tfa":9000,"net_tfa":8550,"tfa_he":8550,"tw":18703,"age":59,"inc":31350,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.29063,"net_n401":8550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":37670,"hmort":37670,"hequity":0,"nifa":0,"net_nifa":-40,"tfa":0,"net_tfa":-40,"tfa_he":-40,"tw":1235,"age":35,"inc":15690,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-40,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17800,"net_nifa":15600,"tfa":17800,"net_tfa":15600,"tfa_he":15600,"tw":27685,"age":25,"inc":17793,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":15600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":20000,"age":59,"inc":13020,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":-5000,"age":36,"inc":22152,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-10700,"tfa":800,"net_tfa":-10700,"tfa_he":-10700,"tw":-10700,"age":35,"inc":36000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-10700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":7113,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19699,"net_nifa":19599,"tfa":19699,"net_tfa":19599,"tfa_he":19599,"tw":32574,"age":47,"inc":28182,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":19599,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72500,"hmort":14400,"hequity":58100,"nifa":29850,"net_nifa":29715,"tfa":29850,"net_tfa":29715,"tfa_he":87815,"tw":112815,"age":35,"inc":74178,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":29715,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":100000,"hequity":200000,"nifa":12898,"net_nifa":12898,"tfa":12898,"net_tfa":12898,"tfa_he":212898,"tw":212898,"age":41,"inc":84495,"fsize":6,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":12898,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42500,"hmort":0,"hequity":42500,"nifa":4199,"net_nifa":4199,"tfa":4199,"net_tfa":4199,"tfa_he":46699,"tw":46699,"age":64,"inc":21102,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":4199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13760,"a401":0,"hval":165000,"hmort":150000,"hequity":15000,"nifa":100000,"net_nifa":99835,"tfa":113760,"net_tfa":113595,"tfa_he":128595,"tw":128703,"age":58,"inc":59952,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":113595,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":35000,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":5000,"tw":6000,"age":41,"inc":10200,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":123,"net_nifa":-4577,"tfa":123,"net_tfa":-4577,"tfa_he":-4577,"tw":-4577,"age":48,"inc":9354,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-4577,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":0,"hval":125000,"hmort":105000,"hequity":20000,"nifa":11500,"net_nifa":8500,"tfa":14500,"net_tfa":11500,"tfa_he":31500,"tw":33500,"age":44,"inc":46800,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":90000,"hmort":20000,"hequity":70000,"nifa":300,"net_nifa":-2700,"tfa":3300,"net_tfa":300,"tfa_he":70300,"tw":75580,"age":49,"inc":45150,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-10300,"tfa":300,"net_tfa":-10300,"tfa_he":-10300,"tw":-7800,"age":25,"inc":19926,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-10300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":83000,"hequity":77000,"nifa":4500,"net_nifa":4500,"tfa":4500,"net_tfa":4500,"tfa_he":81500,"tw":82250,"age":40,"inc":26073,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":91000,"hequity":209000,"nifa":400,"net_nifa":-5600,"tfa":400,"net_tfa":-5600,"tfa_he":203400,"tw":203875,"age":52,"inc":38610,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1020,"net_nifa":1020,"tfa":1020,"net_tfa":1020,"tfa_he":1020,"tw":3920,"age":31,"inc":21630,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1020,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":-2450,"tfa":550,"net_tfa":-2450,"tfa_he":-2450,"tw":-2450,"age":36,"inc":25812,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-2450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":33000,"hequity":7000,"nifa":0,"net_nifa":-25,"tfa":0,"net_tfa":-25,"tfa_he":6975,"tw":11061,"age":44,"inc":5760,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-25,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10199,"net_nifa":6435,"tfa":10199,"net_tfa":6435,"tfa_he":6435,"tw":10860,"age":44,"inc":46740,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":6435,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":150000,"hmort":102500,"hequity":47500,"nifa":7050,"net_nifa":5550,"tfa":18050,"net_tfa":16550,"tfa_he":64050,"tw":64050,"age":45,"inc":25728,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.37883,"net_n401":16550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":35000,"hequity":75000,"nifa":200,"net_nifa":-250,"tfa":200,"net_tfa":-250,"tfa_he":74750,"tw":77750,"age":47,"inc":41670,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":26000,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-8000,"age":35,"inc":29925,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-150,"tfa":50,"net_tfa":-150,"tfa_he":-150,"tw":5150,"age":35,"inc":14610,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":99000,"hmort":99000,"hequity":0,"nifa":8100,"net_nifa":7100,"tfa":11600,"net_tfa":10600,"tfa_he":10600,"tw":16600,"age":46,"inc":41622,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":10600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":29000,"hmort":27000,"hequity":2000,"nifa":49749,"net_nifa":48599,"tfa":49749,"net_tfa":48599,"tfa_he":50599,"tw":50599,"age":37,"inc":42459,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":48599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":62500,"hequity":137500,"nifa":399,"net_nifa":399,"tfa":399,"net_tfa":399,"tfa_he":137899,"tw":137899,"age":49,"inc":36336,"fsize":6,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":56500,"hequity":33500,"nifa":1350,"net_nifa":950,"tfa":1350,"net_tfa":950,"tfa_he":34450,"tw":34450,"age":35,"inc":27624,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-960,"tfa":600,"net_tfa":-960,"tfa_he":-960,"tw":8615,"age":42,"inc":23313,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-960,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":43,"inc":19074,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":55000,"hequity":35000,"nifa":18575,"net_nifa":16975,"tfa":18575,"net_tfa":16975,"tfa_he":51975,"tw":61975,"age":33,"inc":33225,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":16975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":78000,"hequity":122000,"nifa":900,"net_nifa":-11100,"tfa":900,"net_tfa":-11100,"tfa_he":110900,"tw":110900,"age":40,"inc":59685,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-11100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":80,"tfa":80,"net_tfa":80,"tfa_he":80,"tw":4080,"age":41,"inc":10830,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":80,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":550,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14500,"net_nifa":14500,"tfa":15050,"net_tfa":15050,"tfa_he":15050,"tw":23050,"age":39,"inc":61863,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":15050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":19371,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-1250,"tfa":750,"net_tfa":-1250,"tfa_he":-1250,"tw":-175,"age":33,"inc":17100,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":320,"net_nifa":-569,"tfa":320,"net_tfa":-569,"tfa_he":-569,"tw":23081,"age":39,"inc":9000,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-569,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15900,"a401":0,"hval":55000,"hmort":14900,"hequity":40100,"nifa":13300,"net_nifa":13300,"tfa":29200,"net_tfa":29200,"tfa_he":69300,"tw":69390,"age":61,"inc":42744,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":29200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":29,"inc":12000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":75000,"tw":75000,"age":41,"inc":13260,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":8000,"age":45,"inc":36495,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":8000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":25000,"hequity":13000,"nifa":525,"net_nifa":525,"tfa":525,"net_tfa":525,"tfa_he":13525,"tw":44825,"age":46,"inc":22170,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":525,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":7579,"age":26,"inc":22080,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1400,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":11300,"net_nifa":9300,"tfa":12700,"net_tfa":10700,"tfa_he":55700,"tw":55700,"age":39,"inc":42120,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15114,"net_nifa":14264,"tfa":15114,"net_tfa":14264,"tfa_he":14264,"tw":26402,"age":25,"inc":9660,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":14264,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":39,"inc":13338,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":550,"tfa":550,"net_tfa":550,"tfa_he":550,"tw":550,"age":32,"inc":36945,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":700,"tw":8700,"age":52,"inc":22791,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2249,"net_nifa":-21751,"tfa":2249,"net_tfa":-21751,"tfa_he":-21751,"tw":-20251,"age":28,"inc":3765,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-21751,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5800,"tfa":0,"net_tfa":-5800,"tfa_he":-5800,"tw":-2412,"age":45,"inc":17685,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-5800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":18000,"hequity":37000,"nifa":249,"net_nifa":-4751,"tfa":249,"net_tfa":-4751,"tfa_he":32249,"tw":44249,"age":45,"inc":50397,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-4751,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":55000,"hequity":65000,"nifa":4999,"net_nifa":2999,"tfa":4999,"net_tfa":2999,"tfa_he":67999,"tw":67999,"age":41,"inc":18660,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":2999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":450,"age":43,"inc":3825,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2686,"net_nifa":86,"tfa":2686,"net_tfa":86,"tfa_he":86,"tw":33886,"age":36,"inc":32073,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":86,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":2300,"tw":3500,"age":34,"inc":16845,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":-1200,"age":31,"inc":21969,"fsize":10,"educ":6,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-2088,"tfa":200,"net_tfa":-2088,"tfa_he":-2088,"tw":-2088,"age":61,"inc":6132,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-2088,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":99,"net_nifa":-331,"tfa":99,"net_tfa":-331,"tfa_he":109669,"tw":109669,"age":27,"inc":16056,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-331,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":18000,"hequity":7000,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":15000,"tw":28000,"age":29,"inc":102996,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":59900,"hequity":100,"nifa":1900,"net_nifa":-25100,"tfa":1900,"net_tfa":-25100,"tfa_he":-25000,"tw":-23800,"age":38,"inc":36924,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-25100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":22300,"net_nifa":21900,"tfa":22300,"net_tfa":21900,"tfa_he":56900,"tw":67300,"age":63,"inc":51528,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":21900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1820,"net_nifa":1142,"tfa":1820,"net_tfa":1142,"tfa_he":1142,"tw":1142,"age":27,"inc":38442,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":1142,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":50000,"hmort":10000,"hequity":40000,"nifa":3299,"net_nifa":2899,"tfa":13299,"net_tfa":12899,"tfa_he":52899,"tw":61036,"age":46,"inc":47520,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":12899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":2675,"age":26,"inc":14310,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":15500,"tw":15500,"age":28,"inc":19131,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":16000,"hequity":144000,"nifa":5855,"net_nifa":5855,"tfa":5855,"net_tfa":5855,"tfa_he":149855,"tw":149855,"age":59,"inc":26664,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":5855,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5713,"net_nifa":5583,"tfa":5713,"net_tfa":5583,"tfa_he":5583,"tw":5583,"age":43,"inc":29280,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":5583,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":0,"hequity":6000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":3000,"tw":4884,"age":42,"inc":13203,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":1176,"net_nifa":876,"tfa":1176,"net_tfa":876,"tfa_he":75876,"tw":75876,"age":47,"inc":10848,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":876,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":3695,"net_nifa":695,"tfa":3695,"net_tfa":695,"tfa_he":30695,"tw":30695,"age":48,"inc":34941,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":695,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":77000,"hmort":77000,"hequity":0,"nifa":1249,"net_nifa":1249,"tfa":1249,"net_tfa":1249,"tfa_he":1249,"tw":1249,"age":58,"inc":8745,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":1249,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1000,"a401":0,"hval":75000,"hmort":57900,"hequity":17100,"nifa":9600,"net_nifa":3600,"tfa":10600,"net_tfa":4600,"tfa_he":21700,"tw":25050,"age":31,"inc":33036,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":85000,"tw":87150,"age":38,"inc":15300,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":0,"net_nifa":-9168,"tfa":0,"net_tfa":-9168,"tfa_he":18832,"tw":18832,"age":41,"inc":14484,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-9168,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":56000,"hequity":14000,"nifa":2249,"net_nifa":2249,"tfa":2249,"net_tfa":2249,"tfa_he":16249,"tw":16249,"age":42,"inc":33015,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":2249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":84354,"net_nifa":84354,"tfa":96354,"net_tfa":96354,"tfa_he":96354,"tw":105929,"age":40,"inc":63204,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.63866,"net_n401":96354,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":260,"net_nifa":-2840,"tfa":260,"net_tfa":-2840,"tfa_he":-2840,"tw":-1790,"age":40,"inc":15306,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2840,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":45749,"tw":48749,"age":53,"inc":34185,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":-4000,"tfa":6000,"net_tfa":-4000,"tfa_he":-4000,"tw":-4000,"age":57,"inc":92160,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":-4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-1200,"tfa":800,"net_tfa":-1200,"tfa_he":-1200,"tw":3100,"age":25,"inc":28830,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":6,"tfa":6,"net_tfa":6,"tfa_he":6,"tw":706,"age":37,"inc":29868,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":6,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":14000,"hequity":6000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":6000,"tw":7000,"age":28,"inc":16320,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":40000,"hequity":5000,"nifa":1800,"net_nifa":1725,"tfa":1800,"net_tfa":1725,"tfa_he":6725,"tw":9225,"age":35,"inc":16749,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":1725,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":19500,"hequity":130500,"nifa":1200,"net_nifa":-1100,"tfa":1200,"net_tfa":-1100,"tfa_he":129400,"tw":129900,"age":54,"inc":18288,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-1100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":662,"age":31,"inc":25308,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20500,"a401":0,"hval":300000,"hmort":61000,"hequity":239000,"nifa":65500,"net_nifa":65500,"tfa":86000,"net_tfa":86000,"tfa_he":325000,"tw":625000,"age":45,"inc":60654,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.71309,"net_n401":86000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-150,"tfa":100,"net_tfa":-150,"tfa_he":-150,"tw":850,"age":28,"inc":19500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":25900,"hequity":29100,"nifa":0,"net_nifa":-3450,"tfa":0,"net_tfa":-3450,"tfa_he":25650,"tw":26250,"age":31,"inc":22575,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":827,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1157,"tfa":827,"net_tfa":-330,"tfa_he":-330,"tw":2270,"age":33,"inc":17745,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":-330,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":120000,"hequity":180000,"nifa":6500,"net_nifa":-2000,"tfa":6500,"net_tfa":-2000,"tfa_he":178000,"tw":183000,"age":50,"inc":49164,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":44000,"hequity":6000,"nifa":2020,"net_nifa":1820,"tfa":2020,"net_tfa":1820,"tfa_he":7820,"tw":16499,"age":54,"inc":7923,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":1820,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1400,"a401":0,"hval":45000,"hmort":39000,"hequity":6000,"nifa":5600,"net_nifa":100,"tfa":7000,"net_tfa":1500,"tfa_he":7500,"tw":13650,"age":30,"inc":24912,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":950,"net_nifa":-2050,"tfa":950,"net_tfa":-2050,"tfa_he":-2050,"tw":-2050,"age":27,"inc":35310,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-2050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1199,"net_nifa":-6301,"tfa":1199,"net_tfa":-6301,"tfa_he":-6301,"tw":-3801,"age":39,"inc":37569,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-6301,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":215000,"hmort":84000,"hequity":131000,"nifa":39000,"net_nifa":37000,"tfa":79000,"net_tfa":77000,"tfa_he":208000,"tw":208800,"age":35,"inc":31398,"fsize":4,"educ":17,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":77000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":55000,"hequity":70000,"nifa":260,"net_nifa":-1740,"tfa":260,"net_tfa":-1740,"tfa_he":68260,"tw":72060,"age":50,"inc":23148,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1740,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":26000,"hequity":24000,"nifa":9000,"net_nifa":9000,"tfa":9000,"net_tfa":9000,"tfa_he":33000,"tw":35575,"age":40,"inc":32676,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":84800,"hequity":15200,"nifa":550,"net_nifa":-1650,"tfa":550,"net_tfa":-1650,"tfa_he":13550,"tw":13550,"age":52,"inc":12912,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-980,"tfa":0,"net_tfa":-980,"tfa_he":-980,"tw":520,"age":40,"inc":22500,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-980,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":42,"inc":18000,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":156000,"hmort":147000,"hequity":9000,"nifa":2700,"net_nifa":1600,"tfa":2700,"net_tfa":1600,"tfa_he":10600,"tw":10600,"age":28,"inc":29427,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":13000,"hequity":22000,"nifa":4000,"net_nifa":-500,"tfa":4000,"net_tfa":-500,"tfa_he":21500,"tw":42500,"age":57,"inc":30303,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":5694,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":21129,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40,"net_nifa":-960,"tfa":40,"net_tfa":-960,"tfa_he":-960,"tw":-535,"age":33,"inc":19200,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-960,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-1100,"tfa":900,"net_tfa":-1100,"tfa_he":-1100,"tw":6561,"age":36,"inc":7536,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-1100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":3200,"age":34,"inc":18975,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":900,"age":33,"inc":1560,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":7500,"age":32,"inc":15840,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":8694,"fsize":7,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":0,"tfa":10000,"net_tfa":0,"tfa_he":0,"tw":20850,"age":26,"inc":47016,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-980,"tfa":20,"net_tfa":-980,"tfa_he":-980,"tw":5763,"age":32,"inc":24000,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-980,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":20100,"net_nifa":15100,"tfa":20100,"net_tfa":15100,"tfa_he":95100,"tw":96600,"age":34,"inc":15459,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":15100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":80000,"hequity":13000,"nifa":1510,"net_nifa":-4490,"tfa":1510,"net_tfa":-4490,"tfa_he":8510,"tw":8510,"age":26,"inc":32460,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-4490,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":35100,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4000,"age":33,"inc":12240,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65500,"hmort":65500,"hequity":0,"nifa":500,"net_nifa":-2000,"tfa":500,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":32,"inc":47391,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":10999,"age":44,"inc":12960,"fsize":8,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":38000,"hequity":17000,"nifa":4249,"net_nifa":4249,"tfa":4249,"net_tfa":4249,"tfa_he":21249,"tw":23674,"age":26,"inc":35325,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":4249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":52000,"hequity":18000,"nifa":1000,"net_nifa":-1000,"tfa":1000,"net_tfa":-1000,"tfa_he":17000,"tw":27000,"age":49,"inc":36720,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2350,"age":26,"inc":9801,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":80000,"hequity":35000,"nifa":1900,"net_nifa":-2250,"tfa":1900,"net_tfa":-2250,"tfa_he":32750,"tw":40649,"age":35,"inc":40164,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":53000,"hequity":20000,"nifa":38200,"net_nifa":22700,"tfa":38200,"net_tfa":22700,"tfa_he":42700,"tw":66700,"age":37,"inc":54324,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":22700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":160,"net_nifa":160,"tfa":160,"net_tfa":160,"tfa_he":160,"tw":1410,"age":50,"inc":22137,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":160,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":39000,"hequity":21000,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":20600,"tw":21800,"age":32,"inc":16215,"fsize":8,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":35,"inc":16917,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":57000,"hequity":0,"nifa":400,"net_nifa":-1600,"tfa":400,"net_tfa":-1600,"tfa_he":-1600,"tw":-1600,"age":28,"inc":29922,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30180,"net_nifa":30180,"tfa":30180,"net_tfa":30180,"tfa_he":30180,"tw":50180,"age":33,"inc":26448,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":30180,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":210,"net_nifa":210,"tfa":210,"net_tfa":210,"tfa_he":210,"tw":710,"age":49,"inc":10674,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":210,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":150000,"hmort":12500,"hequity":137500,"nifa":2500,"net_nifa":-500,"tfa":7500,"net_tfa":4500,"tfa_he":142000,"tw":145000,"age":42,"inc":94455,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":16506,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":3600,"age":42,"inc":15315,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":180,"net_nifa":180,"tfa":180,"net_tfa":180,"tfa_he":180,"tw":780,"age":44,"inc":26415,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":180,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":100000,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":31688,"net_nifa":19688,"tfa":131688,"net_tfa":119688,"tfa_he":239688,"tw":339688,"age":59,"inc":66288,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":119688,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12800,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":32400,"net_nifa":23700,"tfa":45200,"net_tfa":36500,"tfa_he":186500,"tw":199500,"age":61,"inc":38940,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":36500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":639,"hequity":39361,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":36361,"tw":36861,"age":40,"inc":10386,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":29,"inc":12000,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21400,"net_nifa":14620,"tfa":30600,"net_tfa":23820,"tfa_he":23820,"tw":24570,"age":48,"inc":23640,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":23820,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":28000,"hequity":0,"nifa":1275,"net_nifa":-810,"tfa":1275,"net_tfa":-810,"tfa_he":-810,"tw":-810,"age":36,"inc":38061,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-810,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":29,"inc":10176,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":250000,"hmort":40000,"hequity":210000,"nifa":3600,"net_nifa":2200,"tfa":9600,"net_tfa":8200,"tfa_he":218200,"tw":221683,"age":45,"inc":29262,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":8200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20249,"net_nifa":19249,"tfa":20249,"net_tfa":19249,"tfa_he":19249,"tw":19624,"age":35,"inc":47421,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":19249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7100,"tfa":0,"net_tfa":-7100,"tfa_he":-7100,"tw":1400,"age":31,"inc":58122,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-7100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":25000,"hequity":7000,"nifa":400,"net_nifa":-700,"tfa":400,"net_tfa":-700,"tfa_he":6300,"tw":6800,"age":42,"inc":16608,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":125000,"hmort":90000,"hequity":35000,"nifa":166500,"net_nifa":166500,"tfa":184500,"net_tfa":184500,"tfa_he":219500,"tw":299500,"age":36,"inc":118401,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":184500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-4800,"tfa":700,"net_tfa":-4800,"tfa_he":-4800,"tw":-4300,"age":42,"inc":23400,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":90000,"hequity":5000,"nifa":5600,"net_nifa":-24400,"tfa":5600,"net_tfa":-24400,"tfa_he":-19400,"tw":-3347,"age":30,"inc":45180,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-24400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":19848,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":23900,"hequity":35100,"nifa":75,"net_nifa":75,"tfa":75,"net_tfa":75,"tfa_he":35175,"tw":35550,"age":52,"inc":33624,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":75,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":0,"hequity":39000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":39000,"tw":39000,"age":56,"inc":4080,"fsize":7,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":1600,"tfa":1600,"net_tfa":1600,"tfa_he":1600,"tw":3800,"age":29,"inc":45975,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-2300,"tfa":1300,"net_tfa":-2300,"tfa_he":-2300,"tw":-1880,"age":30,"inc":31785,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":10000,"hequity":25000,"nifa":749,"net_nifa":649,"tfa":749,"net_tfa":649,"tfa_he":25649,"tw":27982,"age":26,"inc":15981,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":649,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":4225,"age":28,"inc":12672,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20200,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":212400,"net_nifa":212400,"tfa":232600,"net_tfa":232600,"tfa_he":532600,"tw":532600,"age":40,"inc":48402,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":232600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":18000,"hequity":2000,"nifa":100,"net_nifa":-500,"tfa":100,"net_tfa":-500,"tfa_he":1500,"tw":5200,"age":52,"inc":26010,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":11800,"tfa":12000,"net_tfa":11800,"tfa_he":11800,"tw":11800,"age":31,"inc":26028,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":11800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35000,"net_nifa":34000,"tfa":35000,"net_tfa":34000,"tfa_he":34000,"tw":39850,"age":39,"inc":45420,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":34000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8800,"a401":0,"hval":115000,"hmort":25000,"hequity":90000,"nifa":2251,"net_nifa":-7449,"tfa":11051,"net_tfa":1351,"tfa_he":91351,"tw":91351,"age":57,"inc":14676,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":1351,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":4107,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":350,"tfa":1000,"net_tfa":350,"tfa_he":350,"tw":4550,"age":25,"inc":7680,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":350,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-24800,"tfa":200,"net_tfa":-24800,"tfa_he":-24800,"tw":35200,"age":47,"inc":24996,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-24800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2700,"a401":0,"hval":42000,"hmort":42000,"hequity":0,"nifa":810,"net_nifa":416,"tfa":3510,"net_tfa":3116,"tfa_he":3116,"tw":4366,"age":46,"inc":12945,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14649,"net_n401":3116,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":0,"tfa":800,"net_tfa":0,"tfa_he":0,"tw":5500,"age":48,"inc":9966,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":90000,"hequity":0,"nifa":849,"net_nifa":-9151,"tfa":849,"net_tfa":-9151,"tfa_he":-9151,"tw":-2651,"age":45,"inc":114048,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-9151,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":43288,"hequity":1712,"nifa":206,"net_nifa":-825,"tfa":206,"net_tfa":-825,"tfa_he":887,"tw":887,"age":30,"inc":17427,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-825,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":38500,"hequity":41500,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":42300,"tw":43300,"age":54,"inc":24654,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-17000,"tfa":0,"net_tfa":-17000,"tfa_he":-17000,"tw":-16000,"age":52,"inc":23760,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-17000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":36000,"hequity":64000,"nifa":30000,"net_nifa":29700,"tfa":30000,"net_tfa":29700,"tfa_he":93700,"tw":93700,"age":45,"inc":17400,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":29700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":999,"age":30,"inc":15330,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":10464,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":38,"inc":10800,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":55000,"hequity":115000,"nifa":290,"net_nifa":-17710,"tfa":290,"net_tfa":-17710,"tfa_he":97290,"tw":97290,"age":38,"inc":42054,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-17710,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":100,"tfa":600,"net_tfa":100,"tfa_he":100,"tw":4800,"age":26,"inc":9366,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":160000,"hmort":95000,"hequity":65000,"nifa":758,"net_nifa":-742,"tfa":2758,"net_tfa":1258,"tfa_he":66258,"tw":66258,"age":34,"inc":60615,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":1258,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":95450,"hequity":39550,"nifa":4400,"net_nifa":-360,"tfa":4400,"net_tfa":-360,"tfa_he":39190,"tw":55490,"age":34,"inc":72375,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-360,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3743,"age":25,"inc":14013,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2400,"a401":0,"hval":103000,"hmort":55000,"hequity":48000,"nifa":2900,"net_nifa":2671,"tfa":5300,"net_tfa":5071,"tfa_he":53071,"tw":58921,"age":62,"inc":29616,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":5071,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3248,"net_nifa":-8752,"tfa":3248,"net_tfa":-8752,"tfa_he":-8752,"tw":-8752,"age":39,"inc":55191,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-8752,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4100,"net_nifa":-15900,"tfa":4100,"net_tfa":-15900,"tfa_he":-15900,"tw":-15900,"age":45,"inc":53010,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-15900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":25000,"hequity":50000,"nifa":164025,"net_nifa":154825,"tfa":164025,"net_tfa":154825,"tfa_he":204825,"tw":219400,"age":46,"inc":43086,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":154825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":37500,"a401":0,"hval":150000,"hmort":62500,"hequity":87500,"nifa":4898,"net_nifa":-26011,"tfa":42398,"net_tfa":11489,"tfa_he":98989,"tw":98989,"age":61,"inc":42246,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":11489,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":28237,"net_nifa":25437,"tfa":28237,"net_tfa":25437,"tfa_he":125437,"tw":125437,"age":62,"inc":22974,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":25437,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17700,"net_nifa":17700,"tfa":29700,"net_tfa":29700,"tfa_he":29700,"tw":34275,"age":34,"inc":22410,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":29700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":2199,"net_nifa":2199,"tfa":2199,"net_tfa":2199,"tfa_he":42199,"tw":98252,"age":53,"inc":26295,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":2199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3076,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":9435,"net_nifa":6935,"tfa":12511,"net_tfa":10011,"tfa_he":30011,"tw":33361,"age":43,"inc":26463,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":10011,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":849,"net_nifa":849,"tfa":849,"net_tfa":849,"tfa_he":849,"tw":6110,"age":25,"inc":20448,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":849,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":0,"hequity":225000,"nifa":23700,"net_nifa":20700,"tfa":23700,"net_tfa":20700,"tfa_he":245700,"tw":245700,"age":61,"inc":49050,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":20700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":38000,"hequity":42000,"nifa":200,"net_nifa":-300,"tfa":200,"net_tfa":-300,"tfa_he":41700,"tw":44200,"age":43,"inc":11400,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":111000,"net_nifa":111000,"tfa":137000,"net_tfa":137000,"tfa_he":137000,"tw":227242,"age":46,"inc":90141,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":137000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":82,"hmort":0,"hequity":82,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":82,"tw":3178,"age":31,"inc":13770,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-400,"tfa":1200,"net_tfa":-400,"tfa_he":-400,"tw":2025,"age":35,"inc":7860,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":65000,"hmort":32000,"hequity":33000,"nifa":4913,"net_nifa":2613,"tfa":20913,"net_tfa":18613,"tfa_he":51613,"tw":58412,"age":34,"inc":56574,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":18613,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26200,"net_nifa":25200,"tfa":26200,"net_tfa":25200,"tfa_he":25200,"tw":35879,"age":30,"inc":40950,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":25200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":65000,"hmort":40000,"hequity":25000,"nifa":1300,"net_nifa":-1000,"tfa":5300,"net_tfa":3000,"tfa_he":28000,"tw":28000,"age":53,"inc":43521,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":99000,"hequity":116000,"nifa":27709,"net_nifa":27209,"tfa":27709,"net_tfa":27209,"tfa_he":143209,"tw":143209,"age":44,"inc":34794,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":27209,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":30200,"net_nifa":30200,"tfa":31700,"net_tfa":31700,"tfa_he":81700,"tw":85700,"age":35,"inc":51372,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":31700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1335,"age":26,"inc":21216,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":900,"net_nifa":-350,"tfa":900,"net_tfa":-350,"tfa_he":149650,"tw":149650,"age":31,"inc":59544,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":549,"net_nifa":-193,"tfa":549,"net_tfa":-193,"tfa_he":-193,"tw":-193,"age":31,"inc":16128,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-193,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":900,"a401":0,"hval":65000,"hmort":21300,"hequity":43700,"nifa":3699,"net_nifa":3699,"tfa":4599,"net_tfa":4599,"tfa_he":48299,"tw":57299,"age":37,"inc":47643,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":360,"net_nifa":-53640,"tfa":360,"net_tfa":-53640,"tfa_he":-53640,"tw":-53640,"age":43,"inc":12750,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-53640,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":61,"inc":10032,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-250,"tfa":750,"net_tfa":-250,"tfa_he":-250,"tw":6648,"age":46,"inc":26172,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":35000,"hequity":24000,"nifa":315,"net_nifa":-6685,"tfa":315,"net_tfa":-6685,"tfa_he":17315,"tw":18315,"age":45,"inc":8067,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-6685,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1477,"net_nifa":-14523,"tfa":1477,"net_tfa":-14523,"tfa_he":-14523,"tw":-4523,"age":29,"inc":45612,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-14523,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":67000,"hequity":8000,"nifa":3100,"net_nifa":-3900,"tfa":3100,"net_tfa":-3900,"tfa_he":4100,"tw":6433,"age":26,"inc":57975,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-3900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":4000,"hequity":71000,"nifa":6800,"net_nifa":5600,"tfa":22800,"net_tfa":21600,"tfa_he":92600,"tw":92600,"age":58,"inc":36900,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":62000,"hmort":57200,"hequity":4800,"nifa":1300,"net_nifa":1100,"tfa":1300,"net_tfa":1100,"tfa_he":5900,"tw":16970,"age":34,"inc":36474,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":10300,"net_nifa":5800,"tfa":10300,"net_tfa":5800,"tfa_he":105800,"tw":105800,"age":33,"inc":84621,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-40,"tfa":0,"net_tfa":-40,"tfa_he":-40,"tw":-40,"age":27,"inc":8928,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-40,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":290000,"hmort":150000,"hequity":140000,"nifa":300,"net_nifa":230,"tfa":300,"net_tfa":230,"tfa_he":140230,"tw":140230,"age":36,"inc":17274,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":230,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29043,"a401":0,"hval":150000,"hmort":117000,"hequity":33000,"nifa":1549,"net_nifa":1549,"tfa":30592,"net_tfa":30592,"tfa_he":63592,"tw":63592,"age":63,"inc":35547,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":30592,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":22400,"a401":0,"hval":145000,"hmort":55000,"hequity":90000,"nifa":51600,"net_nifa":50600,"tfa":74000,"net_tfa":73000,"tfa_he":163000,"tw":213000,"age":48,"inc":66450,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":73000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5900,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":23699,"net_nifa":22699,"tfa":29599,"net_tfa":28599,"tfa_he":128599,"tw":217349,"age":38,"inc":90045,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":28599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":10000,"hequity":30000,"nifa":358,"net_nifa":-1622,"tfa":358,"net_tfa":-1622,"tfa_he":28378,"tw":28878,"age":53,"inc":8166,"fsize":1,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":-1622,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":69000,"hequity":11000,"nifa":8700,"net_nifa":5900,"tfa":8700,"net_tfa":5900,"tfa_he":16900,"tw":61900,"age":47,"inc":64500,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":64100,"tw":84100,"age":49,"inc":4218,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-900,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2800,"tfa":3000,"net_tfa":2800,"tfa_he":2800,"tw":2800,"age":62,"inc":20526,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":2800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":13000,"net_nifa":12877,"tfa":13000,"net_tfa":12877,"tfa_he":17877,"tw":21877,"age":31,"inc":37461,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":12877,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":36100,"tw":44100,"age":36,"inc":23700,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7999,"net_nifa":7799,"tfa":7999,"net_tfa":7799,"tfa_he":7799,"tw":7799,"age":25,"inc":46506,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":7799,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":69000,"hmort":20000,"hequity":49000,"nifa":22200,"net_nifa":22200,"tfa":29200,"net_tfa":29200,"tfa_he":78200,"tw":81200,"age":28,"inc":49125,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":29200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":849,"net_nifa":-4751,"tfa":849,"net_tfa":-4751,"tfa_he":-4751,"tw":-3851,"age":32,"inc":39465,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-4751,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":24000,"hequity":41000,"nifa":300,"net_nifa":-3100,"tfa":300,"net_tfa":-3100,"tfa_he":37900,"tw":47900,"age":48,"inc":24090,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3999,"net_nifa":3999,"tfa":3999,"net_tfa":3999,"tfa_he":3999,"tw":10092,"age":34,"inc":14976,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":3999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":400,"age":36,"inc":24792,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":28000,"hequity":22000,"nifa":1700,"net_nifa":-5000,"tfa":1700,"net_tfa":-5000,"tfa_he":17000,"tw":32000,"age":47,"inc":42150,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":61000,"hmort":29000,"hequity":32000,"nifa":2119,"net_nifa":19,"tfa":2119,"net_tfa":19,"tfa_he":32019,"tw":32019,"age":45,"inc":27033,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":19,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":80000,"hmort":78000,"hequity":2000,"nifa":3181,"net_nifa":181,"tfa":13181,"net_tfa":10181,"tfa_he":12181,"tw":16981,"age":45,"inc":54150,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":10181,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":12000,"hequity":14000,"nifa":5000,"net_nifa":4400,"tfa":5000,"net_tfa":4400,"tfa_he":18400,"tw":18400,"age":37,"inc":19140,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":4400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":158000,"hmort":138000,"hequity":20000,"nifa":73000,"net_nifa":73000,"tfa":89500,"net_tfa":89500,"tfa_he":109500,"tw":176300,"age":40,"inc":67128,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":89500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":70335,"net_nifa":70335,"tfa":70335,"net_tfa":70335,"tfa_he":130335,"tw":130335,"age":54,"inc":23832,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":70335,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":130,"net_nifa":130,"tfa":130,"net_tfa":130,"tfa_he":20130,"tw":21630,"age":42,"inc":27000,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":130,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":75000,"hmort":32000,"hequity":43000,"nifa":4000,"net_nifa":3700,"tfa":29000,"net_tfa":28700,"tfa_he":71700,"tw":130600,"age":36,"inc":55152,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":28700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":22000,"hequity":58000,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":53000,"tw":56000,"age":51,"inc":26106,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":200,"net_nifa":-9100,"tfa":200,"net_tfa":-9100,"tfa_he":115900,"tw":115900,"age":46,"inc":34455,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-9100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":134000,"hmort":100000,"hequity":34000,"nifa":312,"net_nifa":-3188,"tfa":312,"net_tfa":-3188,"tfa_he":30812,"tw":42812,"age":28,"inc":19542,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-3188,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1800,"age":33,"inc":19347,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":6375,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2250,"a401":0,"hval":100000,"hmort":64000,"hequity":36000,"nifa":53000,"net_nifa":50600,"tfa":55250,"net_tfa":52850,"tfa_he":88850,"tw":96850,"age":52,"inc":51030,"fsize":3,"educ":13,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":52850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60000,"age":49,"inc":9051,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":49000,"hequity":10000,"nifa":310,"net_nifa":110,"tfa":310,"net_tfa":110,"tfa_he":10110,"tw":12963,"age":52,"inc":39219,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":110,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":29,"inc":20430,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":72000,"hequity":6000,"nifa":5,"net_nifa":-7795,"tfa":5,"net_tfa":-7795,"tfa_he":-1795,"tw":22805,"age":28,"inc":23883,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-7795,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":75000,"hequity":15000,"nifa":14000,"net_nifa":10900,"tfa":14000,"net_tfa":10900,"tfa_he":25900,"tw":25900,"age":35,"inc":71700,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":10900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":22000,"hequity":13000,"nifa":1449,"net_nifa":-6551,"tfa":1449,"net_tfa":-6551,"tfa_he":6449,"tw":6449,"age":59,"inc":33051,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-6551,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8300,"net_nifa":7620,"tfa":8300,"net_tfa":7620,"tfa_he":7620,"tw":10195,"age":27,"inc":13410,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":7620,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":62000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":20000,"age":42,"inc":24600,"fsize":7,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":745,"net_nifa":-255,"tfa":3245,"net_tfa":2245,"tfa_he":2245,"tw":5728,"age":32,"inc":4608,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-255,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":16000,"hequity":19000,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":18500,"tw":21075,"age":54,"inc":9072,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3610,"tfa":0,"net_tfa":-3610,"tfa_he":-3610,"tw":-2410,"age":31,"inc":9369,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-3610,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":24687,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3800,"a401":0,"hval":63000,"hmort":59500,"hequity":3500,"nifa":400,"net_nifa":-1200,"tfa":4200,"net_tfa":2600,"tfa_he":6100,"tw":7550,"age":39,"inc":27354,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":27000,"hequity":15000,"nifa":1874,"net_nifa":1509,"tfa":1874,"net_tfa":1509,"tfa_he":16509,"tw":21509,"age":39,"inc":29151,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":1509,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13420,"a401":0,"hval":115000,"hmort":49000,"hequity":66000,"nifa":37800,"net_nifa":36600,"tfa":51220,"net_tfa":50020,"tfa_he":116020,"tw":116020,"age":52,"inc":43341,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":50020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3500,"age":28,"inc":8088,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50765,"hequity":14235,"nifa":25648,"net_nifa":25648,"tfa":25648,"net_tfa":25648,"tfa_he":39883,"tw":49183,"age":37,"inc":40404,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":25648,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":900,"tw":900,"age":50,"inc":13443,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":49900,"hmort":31900,"hequity":18000,"nifa":1150,"net_nifa":700,"tfa":1150,"net_tfa":700,"tfa_he":18700,"tw":24850,"age":25,"inc":25395,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":36000,"hmort":36000,"hequity":0,"nifa":33000,"net_nifa":33000,"tfa":39000,"net_tfa":39000,"tfa_he":39000,"tw":41500,"age":45,"inc":15936,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":39000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":47000,"hequity":8000,"nifa":2450,"net_nifa":900,"tfa":2450,"net_tfa":900,"tfa_he":8900,"tw":8900,"age":36,"inc":17820,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":55000,"hequity":0,"nifa":10129,"net_nifa":9279,"tfa":10129,"net_tfa":9279,"tfa_he":9279,"tw":9279,"age":37,"inc":32370,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":9279,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":33750,"hequity":41250,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":41849,"tw":41349,"age":41,"inc":8760,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":599,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1500,"tfa":1800,"net_tfa":1500,"tfa_he":1500,"tw":134500,"age":28,"inc":32430,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12200,"a401":0,"hval":170000,"hmort":130000,"hequity":40000,"nifa":45211,"net_nifa":27211,"tfa":57411,"net_tfa":39411,"tfa_he":79411,"tw":86411,"age":44,"inc":104460,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":39411,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":37,"inc":12630,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":24000,"hequity":66000,"nifa":999,"net_nifa":349,"tfa":999,"net_tfa":349,"tfa_he":66349,"tw":75349,"age":43,"inc":25872,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":349,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":450,"net_nifa":-50,"tfa":450,"net_tfa":-50,"tfa_he":6950,"tw":18950,"age":60,"inc":15801,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":13500,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":66500,"hequity":113500,"nifa":4800,"net_nifa":4350,"tfa":4800,"net_tfa":4350,"tfa_he":117850,"tw":117850,"age":39,"inc":46104,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":4350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-595,"tfa":5,"net_tfa":-595,"tfa_he":-595,"tw":3370,"age":32,"inc":14790,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-595,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":110,"net_nifa":-2890,"tfa":110,"net_tfa":-2890,"tfa_he":-2890,"tw":13110,"age":38,"inc":50550,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-2890,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":62,"inc":12036,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":29000,"hequity":51000,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":55000,"tw":55000,"age":58,"inc":19890,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":4000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-7290,"tfa":10,"net_tfa":-7290,"tfa_he":-7290,"tw":-5290,"age":32,"inc":34263,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7290,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":10000,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":40000,"tw":40000,"age":35,"inc":17244,"fsize":6,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":62,"inc":26034,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":22000,"a401":0,"hval":225000,"hmort":48000,"hequity":177000,"nifa":74499,"net_nifa":73299,"tfa":96499,"net_tfa":95299,"tfa_he":272299,"tw":273799,"age":59,"inc":79323,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":95299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":7000,"tfa":9000,"net_tfa":7000,"tfa_he":7000,"tw":21000,"age":26,"inc":21975,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":7000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":16203,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":39,"inc":8700,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":100599,"net_nifa":100099,"tfa":100599,"net_tfa":100099,"tfa_he":160099,"tw":160099,"age":57,"inc":30840,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":100099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":28000,"hmort":13000,"hequity":15000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":15000,"tw":18333,"age":31,"inc":27225,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":60000,"hmort":7000,"hequity":53000,"nifa":14999,"net_nifa":14999,"tfa":24999,"net_tfa":24999,"tfa_he":77999,"tw":82999,"age":47,"inc":35814,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":24999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":88000,"hequity":112000,"nifa":3999,"net_nifa":2999,"tfa":3999,"net_tfa":2999,"tfa_he":114999,"tw":118930,"age":53,"inc":52008,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":58250,"hequity":16750,"nifa":4414,"net_nifa":4144,"tfa":4414,"net_tfa":4144,"tfa_he":20894,"tw":20894,"age":44,"inc":47769,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4144,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6791,"a401":0,"hval":300000,"hmort":44000,"hequity":256000,"nifa":20000,"net_nifa":15200,"tfa":26791,"net_tfa":21991,"tfa_he":277991,"tw":277991,"age":59,"inc":41934,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":21991,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":62500,"hmort":0,"hequity":62500,"nifa":1100,"net_nifa":950,"tfa":1100,"net_tfa":950,"tfa_he":63450,"tw":70450,"age":27,"inc":34704,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":0,"hequity":28000,"nifa":990,"net_nifa":-1093,"tfa":990,"net_tfa":-1093,"tfa_he":26907,"tw":150795,"age":31,"inc":13317,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-1093,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":99,"tw":99,"age":30,"inc":19386,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":99,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":15600,"net_nifa":13500,"tfa":15600,"net_tfa":13500,"tfa_he":21500,"tw":28183,"age":56,"inc":29301,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":13500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":6000,"hmort":6000,"hequity":0,"nifa":1163,"net_nifa":1163,"tfa":1163,"net_tfa":1163,"tfa_he":1163,"tw":1163,"age":32,"inc":55680,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1163,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":31,"inc":12234,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":61000,"hequity":29000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":29000,"tw":30195,"age":39,"inc":19635,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":60000,"hequity":75000,"nifa":9864,"net_nifa":9613,"tfa":9864,"net_tfa":9613,"tfa_he":84613,"tw":90894,"age":40,"inc":70602,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":9613,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":49000,"hequity":9000,"nifa":1000,"net_nifa":-730,"tfa":1000,"net_tfa":-730,"tfa_he":8270,"tw":11770,"age":41,"inc":27012,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-730,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":23000,"hequity":17000,"nifa":400,"net_nifa":-100,"tfa":400,"net_tfa":-100,"tfa_he":16900,"tw":22575,"age":37,"inc":26052,"fsize":8,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-3750,"tfa":750,"net_tfa":-3750,"tfa_he":-3750,"tw":5850,"age":31,"inc":24486,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1750,"net_nifa":-5486,"tfa":16750,"net_tfa":9514,"tfa_he":9514,"tw":19514,"age":29,"inc":36666,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":9514,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4015,"tfa":0,"net_tfa":-4015,"tfa_he":-4015,"tw":-1015,"age":40,"inc":44610,"fsize":6,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-4015,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":23604,"age":32,"inc":12240,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3050,"net_nifa":2250,"tfa":3050,"net_tfa":2250,"tfa_he":2250,"tw":3525,"age":25,"inc":3150,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":2250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":61,"inc":10200,"fsize":1,"educ":5,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":42000,"hmort":38000,"hequity":4000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":4000,"tw":4750,"age":48,"inc":9180,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5500,"a401":0,"hval":144000,"hmort":144000,"hequity":0,"nifa":12200,"net_nifa":5100,"tfa":17700,"net_tfa":10600,"tfa_he":10600,"tw":10600,"age":39,"inc":70650,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":10600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":60,"inc":15000,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":64000,"hmort":58000,"hequity":6000,"nifa":80,"net_nifa":-920,"tfa":80,"net_tfa":-920,"tfa_he":5080,"tw":5480,"age":31,"inc":44241,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":-920,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4140,"net_nifa":4140,"tfa":4140,"net_tfa":4140,"tfa_he":4140,"tw":13140,"age":46,"inc":33288,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":4140,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4156,"a401":0,"hval":160000,"hmort":150000,"hequity":10000,"nifa":85972,"net_nifa":85172,"tfa":90128,"net_tfa":89328,"tfa_he":99328,"tw":199328,"age":43,"inc":96336,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":89328,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":4999,"tw":4999,"age":34,"inc":60108,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":4999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":285000,"hmort":22500,"hequity":262500,"nifa":6250,"net_nifa":5550,"tfa":7050,"net_tfa":6350,"tfa_he":268850,"tw":272090,"age":33,"inc":41715,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":6350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":59,"inc":10422,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4500,"tfa":4500,"net_tfa":4500,"tfa_he":4500,"tw":5833,"age":28,"inc":21675,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":4500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-3150,"tfa":1600,"net_tfa":-3150,"tfa_he":-3150,"tw":8850,"age":26,"inc":23556,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-3150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":95000,"hmort":73500,"hequity":21500,"nifa":7400,"net_nifa":6265,"tfa":18400,"net_tfa":17265,"tfa_he":38765,"tw":39265,"age":28,"inc":70323,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":17265,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1860,"tfa":2000,"net_tfa":1860,"tfa_he":1860,"tw":360,"age":26,"inc":15609,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1860,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":95000,"hequity":0,"nifa":1200,"net_nifa":-3800,"tfa":1200,"net_tfa":-3800,"tfa_he":-3800,"tw":-3800,"age":28,"inc":39609,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":1800,"tw":1800,"age":32,"inc":29520,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":46000,"hequity":19000,"nifa":3800,"net_nifa":3500,"tfa":3800,"net_tfa":3500,"tfa_he":22500,"tw":22500,"age":37,"inc":41514,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":12264,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":150000,"hequity":125000,"nifa":1011999,"net_nifa":976499,"tfa":1041999,"net_tfa":1006499,"tfa_he":1131499,"tw":1150499,"age":40,"inc":82251,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":976499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":119000,"hmort":89000,"hequity":30000,"nifa":2500,"net_nifa":-2100,"tfa":2500,"net_tfa":-2100,"tfa_he":27900,"tw":35900,"age":29,"inc":31569,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66900,"hmort":66900,"hequity":0,"nifa":0,"net_nifa":-1570,"tfa":0,"net_tfa":-1570,"tfa_he":-1570,"tw":22430,"age":38,"inc":5607,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-1570,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-3300,"tfa":200,"net_tfa":-3300,"tfa_he":-3300,"tw":-1231,"age":27,"inc":22296,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-3300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":16600,"hequity":48400,"nifa":325,"net_nifa":-1184,"tfa":325,"net_tfa":-1184,"tfa_he":47216,"tw":49216,"age":44,"inc":34890,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1184,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":41000,"tw":41000,"age":40,"inc":17106,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":5200,"hmort":0,"hequity":5200,"nifa":8083,"net_nifa":7583,"tfa":15083,"net_tfa":14583,"tfa_he":19783,"tw":59783,"age":60,"inc":15894,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":14583,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2398,"net_nifa":2398,"tfa":2398,"net_tfa":2398,"tfa_he":2398,"tw":5398,"age":31,"inc":19284,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":2398,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2900,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15399,"net_nifa":11399,"tfa":18299,"net_tfa":14299,"tfa_he":14299,"tw":39299,"age":32,"inc":23718,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":14299,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":3025,"age":28,"inc":17370,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":28,"inc":6984,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":73000,"hequity":12000,"nifa":5874,"net_nifa":3174,"tfa":5874,"net_tfa":3174,"tfa_he":15174,"tw":25174,"age":38,"inc":55854,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":3174,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":60000,"hmort":42000,"hequity":18000,"nifa":10000,"net_nifa":10000,"tfa":20000,"net_tfa":20000,"tfa_he":38000,"tw":38000,"age":51,"inc":53670,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":180000,"tw":188975,"age":58,"inc":24300,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":66000,"hmort":60000,"hequity":6000,"nifa":250,"net_nifa":-350,"tfa":250,"net_tfa":-350,"tfa_he":5650,"tw":5650,"age":25,"inc":17418,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3884,"net_nifa":3684,"tfa":3884,"net_tfa":3684,"tfa_he":3684,"tw":3684,"age":26,"inc":24621,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":3684,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":87900,"hmort":0,"hequity":87900,"nifa":38999,"net_nifa":38999,"tfa":88999,"net_tfa":88999,"tfa_he":176899,"tw":176899,"age":58,"inc":73686,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":88999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":1700,"hequity":23300,"nifa":800,"net_nifa":-400,"tfa":800,"net_tfa":-400,"tfa_he":22900,"tw":22900,"age":42,"inc":19848,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":127000,"hequity":13000,"nifa":3000,"net_nifa":-9100,"tfa":3000,"net_tfa":-9100,"tfa_he":3900,"tw":4700,"age":29,"inc":49200,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-9100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":150000,"hequity":20000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":22000,"tw":22000,"age":33,"inc":63969,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":12000,"hequity":0,"nifa":5,"net_nifa":-995,"tfa":5,"net_tfa":-995,"tfa_he":-995,"tw":-245,"age":32,"inc":9690,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-995,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":53000,"hmort":0,"hequity":53000,"nifa":80000,"net_nifa":80000,"tfa":80000,"net_tfa":80000,"tfa_he":133000,"tw":134000,"age":60,"inc":26400,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":80000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":13000,"net_nifa":12500,"tfa":13000,"net_tfa":12500,"tfa_he":87500,"tw":126500,"age":61,"inc":37452,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":12500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":1514,"net_nifa":-13486,"tfa":1514,"net_tfa":-13486,"tfa_he":14514,"tw":14514,"age":53,"inc":27336,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-13486,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":18400,"net_nifa":14900,"tfa":18400,"net_tfa":14900,"tfa_he":164900,"tw":164900,"age":42,"inc":92775,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":14900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":76000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":2599,"net_nifa":2599,"tfa":78599,"net_tfa":78599,"tfa_he":158599,"tw":158599,"age":62,"inc":29694,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":78599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6400,"net_nifa":6100,"tfa":10400,"net_tfa":10100,"tfa_he":10100,"tw":12675,"age":26,"inc":30342,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":10100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":65000,"hmort":57000,"hequity":8000,"nifa":26000,"net_nifa":24850,"tfa":26800,"net_tfa":25650,"tfa_he":33650,"tw":33650,"age":33,"inc":46140,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":25650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6084,"a401":0,"hval":70000,"hmort":37000,"hequity":33000,"nifa":1935,"net_nifa":1667,"tfa":8019,"net_tfa":7751,"tfa_he":40751,"tw":40751,"age":63,"inc":36633,"fsize":6,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":7751,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":280,"net_nifa":-1145,"tfa":280,"net_tfa":-1145,"tfa_he":-1145,"tw":-1145,"age":52,"inc":10584,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1145,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":89981,"net_nifa":89981,"tfa":102981,"net_tfa":102981,"tfa_he":197981,"tw":197981,"age":40,"inc":36177,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":102981,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":80668,"hequity":1332,"nifa":0,"net_nifa":-8593,"tfa":0,"net_tfa":-8593,"tfa_he":-7261,"tw":-5361,"age":29,"inc":30495,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-8593,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":27000,"hequity":8000,"nifa":512,"net_nifa":-888,"tfa":512,"net_tfa":-888,"tfa_he":7112,"tw":8812,"age":40,"inc":24645,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-888,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":4000,"net_nifa":300,"tfa":4000,"net_tfa":300,"tfa_he":15300,"tw":38300,"age":44,"inc":72975,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.66883,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":7920,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":10050,"age":39,"inc":10500,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":25000,"hequity":0,"nifa":300,"net_nifa":-600,"tfa":300,"net_tfa":-600,"tfa_he":-600,"tw":-600,"age":42,"inc":36075,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":11492,"net_nifa":7492,"tfa":11492,"net_tfa":7492,"tfa_he":32492,"tw":32867,"age":35,"inc":77628,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":7492,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":5398,"hequity":602,"nifa":0,"net_nifa":-57,"tfa":0,"net_tfa":-57,"tfa_he":545,"tw":2045,"age":28,"inc":18144,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-57,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-3100,"tfa":400,"net_tfa":-3100,"tfa_he":-3100,"tw":900,"age":32,"inc":53976,"fsize":3,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":-3100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14698,"a401":0,"hval":120000,"hmort":88000,"hequity":32000,"nifa":31950,"net_nifa":17950,"tfa":46648,"net_tfa":32648,"tfa_he":64648,"tw":103648,"age":41,"inc":82524,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":32648,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":52500,"hequity":5500,"nifa":22058,"net_nifa":22058,"tfa":22058,"net_tfa":22058,"tfa_he":27558,"tw":27558,"age":30,"inc":62886,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":22058,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":3000,"net_nifa":1744,"tfa":3000,"net_tfa":1744,"tfa_he":21744,"tw":26244,"age":64,"inc":30108,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1744,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6600,"a401":0,"hval":65000,"hmort":58000,"hequity":7000,"nifa":11000,"net_nifa":11000,"tfa":17600,"net_tfa":17600,"tfa_he":24600,"tw":24600,"age":37,"inc":59580,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":17600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":120000,"hmort":95000,"hequity":25000,"nifa":16750,"net_nifa":10750,"tfa":19750,"net_tfa":13750,"tfa_he":38750,"tw":54250,"age":38,"inc":113508,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":13750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":17000,"hequity":108000,"nifa":5500,"net_nifa":3500,"tfa":5500,"net_tfa":3500,"tfa_he":111500,"tw":121400,"age":35,"inc":44856,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":229000,"hmort":98000,"hequity":131000,"nifa":381500,"net_nifa":380000,"tfa":386500,"net_tfa":385000,"tfa_he":516000,"tw":546510,"age":43,"inc":50484,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.48688,"net_n401":385000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":0,"hequity":3000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":3000,"tw":8500,"age":50,"inc":16728,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":11000,"hequity":7000,"nifa":600,"net_nifa":-3490,"tfa":600,"net_tfa":-3490,"tfa_he":3510,"tw":4010,"age":50,"inc":15360,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-3490,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":53000,"hmort":0,"hequity":53000,"nifa":74400,"net_nifa":74400,"tfa":84400,"net_tfa":84400,"tfa_he":137400,"tw":149350,"age":59,"inc":25248,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":84400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":65000,"hequity":85000,"nifa":749,"net_nifa":349,"tfa":749,"net_tfa":349,"tfa_he":85349,"tw":123802,"age":39,"inc":35295,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":675,"age":30,"inc":18399,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16000,"hmort":0,"hequity":16000,"nifa":0,"net_nifa":-30500,"tfa":0,"net_tfa":-30500,"tfa_he":-14500,"tw":-14500,"age":31,"inc":14877,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-30500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1700,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":2500,"tfa":5700,"net_tfa":4200,"tfa_he":4200,"tw":5500,"age":31,"inc":21546,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":4200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":400,"age":31,"inc":21240,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":135000,"hequity":0,"nifa":1000,"net_nifa":800,"tfa":1000,"net_tfa":800,"tfa_he":800,"tw":6650,"age":30,"inc":18000,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":0,"net_nifa":-17000,"tfa":0,"net_tfa":-17000,"tfa_he":-12000,"tw":-7600,"age":47,"inc":4860,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.03663,"net_n401":-17000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9500,"net_nifa":6500,"tfa":9500,"net_tfa":6500,"tfa_he":6500,"tw":12800,"age":60,"inc":10368,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":22000,"a401":0,"hval":85000,"hmort":51900,"hequity":33100,"nifa":13000,"net_nifa":5800,"tfa":35000,"net_tfa":27800,"tfa_he":60900,"tw":66643,"age":34,"inc":34680,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":27800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":43000,"hequity":7000,"nifa":5,"net_nifa":-3495,"tfa":5,"net_tfa":-3495,"tfa_he":3505,"tw":3505,"age":29,"inc":44472,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-3495,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2499,"net_nifa":2499,"tfa":2499,"net_tfa":2499,"tfa_he":2499,"tw":2499,"age":47,"inc":23883,"fsize":3,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":2499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14400,"a401":0,"hval":169000,"hmort":70000,"hequity":99000,"nifa":40500,"net_nifa":38500,"tfa":54900,"net_tfa":52900,"tfa_he":151900,"tw":160900,"age":41,"inc":69693,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":52900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":22339,"age":33,"inc":79713,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":710,"net_nifa":-8540,"tfa":710,"net_tfa":-8540,"tfa_he":-8540,"tw":-4540,"age":27,"inc":48042,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-8540,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11060,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":4500,"net_nifa":-500,"tfa":15560,"net_tfa":10560,"tfa_he":38560,"tw":49011,"age":46,"inc":45531,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10560,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":5242,"age":47,"inc":7800,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":185000,"hmort":117500,"hequity":67500,"nifa":20000,"net_nifa":20000,"tfa":28000,"net_tfa":28000,"tfa_he":95500,"tw":95500,"age":34,"inc":105246,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":28000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112500,"hmort":91000,"hequity":21500,"nifa":1800,"net_nifa":-12300,"tfa":1800,"net_tfa":-12300,"tfa_he":9200,"tw":9200,"age":36,"inc":67005,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-12300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":13000,"hequity":47000,"nifa":648,"net_nifa":-112,"tfa":648,"net_tfa":-112,"tfa_he":46888,"tw":47888,"age":52,"inc":37830,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-112,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":55000,"hequity":145000,"nifa":16000,"net_nifa":16000,"tfa":16000,"net_tfa":16000,"tfa_he":161000,"tw":161000,"age":46,"inc":51960,"fsize":12,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":49000,"hequity":16000,"nifa":1499,"net_nifa":199,"tfa":1499,"net_tfa":199,"tfa_he":16199,"tw":19199,"age":42,"inc":32130,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34770,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":1054849,"net_nifa":1054849,"tfa":1089619,"net_tfa":1089619,"tfa_he":1239619,"tw":1294619,"age":38,"inc":135405,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":1089619,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":60000,"hequity":30000,"nifa":3304,"net_nifa":1704,"tfa":3304,"net_tfa":1704,"tfa_he":31704,"tw":39204,"age":64,"inc":28830,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1704,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":37000,"hequity":23000,"nifa":650,"net_nifa":450,"tfa":650,"net_tfa":450,"tfa_he":23450,"tw":37450,"age":44,"inc":37260,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":75000,"hequity":15000,"nifa":30000,"net_nifa":29000,"tfa":30000,"net_tfa":29000,"tfa_he":44000,"tw":55000,"age":31,"inc":48420,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":56000,"hequity":0,"nifa":351,"net_nifa":-5122,"tfa":351,"net_tfa":-5122,"tfa_he":-5122,"tw":178,"age":38,"inc":37197,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-5122,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":1920,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":50000,"hmort":30000,"hequity":20000,"nifa":1569,"net_nifa":-10798,"tfa":2369,"net_tfa":-9998,"tfa_he":10002,"tw":33002,"age":36,"inc":56190,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":-9998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1400,"age":27,"inc":19800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":660,"net_nifa":610,"tfa":16660,"net_tfa":16610,"tfa_he":106610,"tw":109285,"age":61,"inc":25233,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":16610,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1920,"net_nifa":-47080,"tfa":1920,"net_tfa":-47080,"tfa_he":-47080,"tw":-45080,"age":44,"inc":41961,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-47080,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":57600,"hequity":10400,"nifa":7250,"net_nifa":72,"tfa":7250,"net_tfa":72,"tfa_he":10472,"tw":14672,"age":29,"inc":51879,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":72,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110400,"hmort":110400,"hequity":0,"nifa":2860,"net_nifa":1746,"tfa":2860,"net_tfa":1746,"tfa_he":1746,"tw":1746,"age":44,"inc":31527,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":1746,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":-19175,"tfa":2600,"net_tfa":-19175,"tfa_he":-19175,"tw":-4175,"age":30,"inc":28716,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-19175,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":611,"net_nifa":611,"tfa":611,"net_tfa":611,"tfa_he":611,"tw":6572,"age":35,"inc":23268,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":611,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":150200,"tw":160879,"age":46,"inc":19440,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45300,"hmort":45300,"hequity":0,"nifa":154,"net_nifa":-3146,"tfa":154,"net_tfa":-3146,"tfa_he":-3146,"tw":-3146,"age":38,"inc":36654,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-3146,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":41500,"hequity":17500,"nifa":1599,"net_nifa":1599,"tfa":1599,"net_tfa":1599,"tfa_he":19099,"tw":19599,"age":47,"inc":12336,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1599,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":57732,"hequity":12268,"nifa":500,"net_nifa":-4000,"tfa":500,"net_tfa":-4000,"tfa_he":8268,"tw":13768,"age":30,"inc":34041,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":29,"inc":35643,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":21000,"hequity":9000,"nifa":111,"net_nifa":-1889,"tfa":111,"net_tfa":-1889,"tfa_he":7111,"tw":7111,"age":48,"inc":41007,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-1889,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":33349,"net_nifa":33199,"tfa":33349,"net_tfa":33199,"tfa_he":33199,"tw":38374,"age":49,"inc":53919,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":33199,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":283,"net_nifa":-917,"tfa":283,"net_tfa":-917,"tfa_he":79083,"tw":81415,"age":25,"inc":37692,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-917,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":24000,"hequity":22000,"nifa":1250,"net_nifa":1080,"tfa":1250,"net_tfa":1080,"tfa_he":23080,"tw":26080,"age":49,"inc":19392,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":1080,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40500,"net_nifa":40500,"tfa":44500,"net_tfa":44500,"tfa_he":44500,"tw":65862,"age":42,"inc":83616,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.49355,"net_n401":44500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-150,"tfa":0,"net_tfa":-150,"tfa_he":-150,"tw":350,"age":53,"inc":10200,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":40000,"hequity":5000,"nifa":0,"net_nifa":-1078,"tfa":0,"net_tfa":-1078,"tfa_he":3922,"tw":3922,"age":30,"inc":13350,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1078,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":355,"tfa":600,"net_tfa":355,"tfa_he":355,"tw":855,"age":32,"inc":10512,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":355,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":4500,"hequity":15500,"nifa":103,"net_nifa":-3197,"tfa":103,"net_tfa":-3197,"tfa_he":12303,"tw":12803,"age":37,"inc":18429,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3197,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1800,"a401":0,"hval":26000,"hmort":0,"hequity":26000,"nifa":2600,"net_nifa":2213,"tfa":6650,"net_tfa":6263,"tfa_he":32263,"tw":39263,"age":35,"inc":16113,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":4013,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":7043,"age":57,"inc":16830,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2051,"net_nifa":-1649,"tfa":5851,"net_tfa":2151,"tfa_he":2151,"tw":7651,"age":36,"inc":20310,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":2151,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":20000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":22000,"tw":29800,"age":25,"inc":34953,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":42500,"hequity":27500,"nifa":1000,"net_nifa":0,"tfa":1000,"net_tfa":0,"tfa_he":27500,"tw":30000,"age":25,"inc":30651,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":300,"a401":0,"hval":59000,"hmort":31900,"hequity":27100,"nifa":540,"net_nifa":-2460,"tfa":840,"net_tfa":-2160,"tfa_he":24940,"tw":25090,"age":35,"inc":23073,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":-2160,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":-800,"tfa":1700,"net_tfa":-800,"tfa_he":-800,"tw":4200,"age":28,"inc":21600,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":235,"net_nifa":-2065,"tfa":235,"net_tfa":-2065,"tfa_he":-2065,"tw":-2065,"age":43,"inc":25068,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-2065,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8800,"a401":0,"hval":75000,"hmort":65000,"hequity":10000,"nifa":11000,"net_nifa":10800,"tfa":19800,"net_tfa":19600,"tfa_he":29600,"tw":30600,"age":37,"inc":94929,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":19600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2223,"net_nifa":2223,"tfa":2223,"net_tfa":2223,"tfa_he":2223,"tw":2973,"age":50,"inc":10362,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2223,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":47,"inc":8316,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":29,"inc":17280,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":137,"net_nifa":-5763,"tfa":137,"net_tfa":-5763,"tfa_he":-5763,"tw":-5763,"age":29,"inc":10800,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-5763,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":18150,"fsize":5,"educ":9,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":225,"net_nifa":225,"tfa":225,"net_tfa":225,"tfa_he":225,"tw":3303,"age":27,"inc":7332,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":225,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":41000,"tw":41000,"age":27,"inc":17520,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-201,"tfa":499,"net_tfa":-201,"tfa_he":-201,"tw":9395,"age":27,"inc":15330,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-201,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":6448,"net_nifa":5948,"tfa":15448,"net_tfa":14948,"tfa_he":64948,"tw":72498,"age":47,"inc":16980,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":14948,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":275,"net_nifa":-1125,"tfa":275,"net_tfa":-1125,"tfa_he":-1125,"tw":-1125,"age":25,"inc":16800,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1125,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":15900,"tw":20566,"age":64,"inc":12642,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":900,"a401":0,"hval":50000,"hmort":33000,"hequity":17000,"nifa":2900,"net_nifa":2300,"tfa":3800,"net_tfa":3200,"tfa_he":20200,"tw":32700,"age":40,"inc":27150,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":137000,"hequity":73000,"nifa":25104,"net_nifa":24654,"tfa":25104,"net_tfa":24654,"tfa_he":97654,"tw":100904,"age":52,"inc":40041,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":24654,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":20400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15302,"a401":0,"hval":200000,"hmort":44000,"hequity":156000,"nifa":10115,"net_nifa":6115,"tfa":25417,"net_tfa":21417,"tfa_he":177417,"tw":177417,"age":55,"inc":54360,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":21417,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":8179,"age":25,"inc":7164,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":49,"inc":11730,"fsize":6,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":4548,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52500,"hmort":52500,"hequity":0,"nifa":5500,"net_nifa":2100,"tfa":5500,"net_tfa":2100,"tfa_he":2100,"tw":3196,"age":32,"inc":26973,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":24993,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":37000,"hequity":8000,"nifa":750,"net_nifa":600,"tfa":750,"net_tfa":600,"tfa_he":8600,"tw":8600,"age":47,"inc":24015,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":11000,"hmort":5200,"hequity":5800,"nifa":1500,"net_nifa":1340,"tfa":1500,"net_tfa":1340,"tfa_he":7140,"tw":12190,"age":27,"inc":21690,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":1340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":28,"inc":14460,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":40000,"hequity":110000,"nifa":899,"net_nifa":-301,"tfa":899,"net_tfa":-301,"tfa_he":109699,"tw":109699,"age":54,"inc":21462,"fsize":2,"educ":6,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-301,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":600,"age":34,"inc":15330,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1300,"tfa":0,"net_tfa":-1300,"tfa_he":-1300,"tw":700,"age":40,"inc":20400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":250,"age":40,"inc":9300,"fsize":9,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7300,"net_nifa":7300,"tfa":7300,"net_tfa":7300,"tfa_he":7300,"tw":7300,"age":38,"inc":13740,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":7300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":19400,"hequity":5600,"nifa":844,"net_nifa":-6656,"tfa":844,"net_tfa":-6656,"tfa_he":-1056,"tw":944,"age":44,"inc":37644,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-6656,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":102,"net_nifa":-3798,"tfa":102,"net_tfa":-3798,"tfa_he":-3798,"tw":-1998,"age":35,"inc":26319,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3798,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30248,"net_nifa":20262,"tfa":30248,"net_tfa":20262,"tfa_he":20262,"tw":34637,"age":27,"inc":15291,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":20262,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69500,"hmort":69500,"hequity":0,"nifa":1100,"net_nifa":-700,"tfa":1100,"net_tfa":-700,"tfa_he":-700,"tw":-700,"age":35,"inc":43233,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":87000,"hequity":0,"nifa":2200,"net_nifa":-3800,"tfa":2200,"net_tfa":-3800,"tfa_he":-3800,"tw":-3800,"age":36,"inc":53460,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":38,"inc":27852,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":31000,"hequity":19000,"nifa":29771,"net_nifa":29771,"tfa":29771,"net_tfa":29771,"tfa_he":48771,"tw":48771,"age":33,"inc":30966,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":29771,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10600,"a401":0,"hval":62000,"hmort":46000,"hequity":16000,"nifa":1400,"net_nifa":400,"tfa":12000,"net_tfa":11000,"tfa_he":27000,"tw":36500,"age":42,"inc":52884,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":-600,"age":60,"inc":7650,"fsize":2,"educ":3,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":45000,"hmort":27000,"hequity":18000,"nifa":17398,"net_nifa":17398,"tfa":25398,"net_tfa":25398,"tfa_he":43398,"tw":46898,"age":61,"inc":18204,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":25398,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1799,"tfa":1999,"net_tfa":1799,"tfa_he":1799,"tw":5149,"age":25,"inc":13506,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1799,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":3675,"net_nifa":3675,"tfa":11675,"net_tfa":11675,"tfa_he":111675,"tw":115100,"age":62,"inc":16845,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":11675,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":49,"inc":4632,"fsize":7,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":0,"hval":91000,"hmort":31800,"hequity":59200,"nifa":9899,"net_nifa":8399,"tfa":11899,"net_tfa":10399,"tfa_he":69599,"tw":90299,"age":40,"inc":29622,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":10399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27149,"a401":0,"hval":27000,"hmort":19900,"hequity":7100,"nifa":10765,"net_nifa":10745,"tfa":37914,"net_tfa":37894,"tfa_he":44994,"tw":47894,"age":48,"inc":27660,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":37894,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-1100,"tfa":900,"net_tfa":-1100,"tfa_he":-1100,"tw":13270,"age":33,"inc":15618,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-425,"tfa":125,"net_tfa":-425,"tfa_he":-425,"tw":5254,"age":37,"inc":48000,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-425,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":4,"net_nifa":-996,"tfa":4,"net_tfa":-996,"tfa_he":9004,"tw":9004,"age":32,"inc":46401,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-996,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-200,"tfa":1100,"net_tfa":-200,"tfa_he":-200,"tw":11800,"age":31,"inc":49434,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":125999,"tw":125999,"age":45,"inc":44940,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":2999,"tw":2999,"age":33,"inc":19800,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":2999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":54,"inc":9180,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":17075,"net_nifa":17075,"tfa":17075,"net_tfa":17075,"tfa_he":267075,"tw":284425,"age":35,"inc":30300,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":17075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23100,"net_nifa":8400,"tfa":30100,"net_tfa":15400,"tfa_he":15400,"tw":15400,"age":39,"inc":50400,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":15400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":114000,"hequity":46000,"nifa":1100,"net_nifa":-10900,"tfa":1100,"net_tfa":-10900,"tfa_he":35100,"tw":141100,"age":38,"inc":54765,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":260000,"hmort":135000,"hequity":125000,"nifa":16660,"net_nifa":14060,"tfa":16660,"net_tfa":14060,"tfa_he":139060,"tw":160060,"age":38,"inc":94503,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":14060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":50,"inc":5610,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":54000,"hequity":16000,"nifa":200,"net_nifa":-8000,"tfa":200,"net_tfa":-8000,"tfa_he":8000,"tw":15000,"age":34,"inc":35625,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":10000,"hequity":30000,"nifa":10,"net_nifa":-710,"tfa":10,"net_tfa":-710,"tfa_he":29290,"tw":29290,"age":37,"inc":10566,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-710,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":41000,"hequity":18000,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":18700,"tw":47175,"age":38,"inc":18900,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":135000,"hmort":70000,"hequity":65000,"nifa":16200,"net_nifa":13200,"tfa":21200,"net_tfa":18200,"tfa_he":83200,"tw":83200,"age":47,"inc":49086,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":18200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":200000,"hmort":82000,"hequity":118000,"nifa":4000,"net_nifa":1900,"tfa":9000,"net_tfa":6900,"tfa_he":124900,"tw":124900,"age":37,"inc":69009,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":6900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":4815,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":106000,"hequity":44000,"nifa":9516,"net_nifa":-1334,"tfa":9516,"net_tfa":-1334,"tfa_he":42666,"tw":42666,"age":31,"inc":36153,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1334,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":50000,"hequity":40000,"nifa":9999,"net_nifa":9999,"tfa":9999,"net_tfa":9999,"tfa_he":49999,"tw":65999,"age":45,"inc":63366,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":2700,"hequity":92300,"nifa":500,"net_nifa":-2400,"tfa":500,"net_tfa":-2400,"tfa_he":89900,"tw":143700,"age":46,"inc":56388,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":70000,"a401":0,"hval":185000,"hmort":100000,"hequity":85000,"nifa":400000,"net_nifa":399400,"tfa":470000,"net_tfa":469400,"tfa_he":554400,"tw":554400,"age":61,"inc":172092,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":469400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":26499,"net_nifa":25599,"tfa":36499,"net_tfa":35599,"tfa_he":185599,"tw":185599,"age":35,"inc":114300,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":35599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":38000,"a401":0,"hval":112000,"hmort":50000,"hequity":62000,"nifa":800,"net_nifa":800,"tfa":38800,"net_tfa":38800,"tfa_he":100800,"tw":100800,"age":44,"inc":61455,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":38800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":17000,"hequity":23000,"nifa":5900,"net_nifa":4272,"tfa":5900,"net_tfa":4272,"tfa_he":27272,"tw":27272,"age":43,"inc":21168,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":4272,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":24000,"hmort":18500,"hequity":5500,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":4300,"tw":4300,"age":52,"inc":5742,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-1200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":21828,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16824,"a401":0,"hval":144600,"hmort":0,"hequity":144600,"nifa":986302,"net_nifa":986302,"tfa":1003126,"net_tfa":1003126,"tfa_he":1147726,"tw":1147726,"age":64,"inc":43272,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":1003126,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":33,"inc":16062,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4400,"tfa":500,"net_tfa":-4400,"tfa_he":-4400,"tw":-4300,"age":25,"inc":21879,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-4400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":100000,"hmort":35000,"hequity":65000,"nifa":73998,"net_nifa":73998,"tfa":79998,"net_tfa":79998,"tfa_he":144998,"tw":159423,"age":57,"inc":38040,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":79998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":122000,"hmort":102050,"hequity":19950,"nifa":6000,"net_nifa":2000,"tfa":8500,"net_tfa":4500,"tfa_he":24450,"tw":28450,"age":34,"inc":48078,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":81000,"net_nifa":81000,"tfa":85500,"net_tfa":85500,"tfa_he":235500,"tw":261075,"age":34,"inc":102009,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":85500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17000,"net_nifa":14750,"tfa":20000,"net_tfa":17750,"tfa_he":17750,"tw":17750,"age":30,"inc":53400,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.55004,"net_n401":17750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":43000,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":47,"inc":14412,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":150000,"hmort":33750,"hequity":116250,"nifa":0,"net_nifa":0,"tfa":12000,"net_tfa":12000,"tfa_he":128250,"tw":128250,"age":56,"inc":77430,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":225000,"hmort":110000,"hequity":115000,"nifa":8900,"net_nifa":8900,"tfa":8900,"net_tfa":8900,"tfa_he":123900,"tw":123900,"age":36,"inc":43260,"fsize":8,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":8900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1400,"a401":0,"hval":55000,"hmort":45000,"hequity":10000,"nifa":100,"net_nifa":-1900,"tfa":1500,"net_tfa":-500,"tfa_he":9500,"tw":16206,"age":44,"inc":30840,"fsize":3,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":250000,"hmort":80000,"hequity":170000,"nifa":58700,"net_nifa":58550,"tfa":76700,"net_tfa":76550,"tfa_he":246550,"tw":281550,"age":45,"inc":79317,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":76550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":60000,"a401":0,"hval":80000,"hmort":30000,"hequity":50000,"nifa":17000,"net_nifa":16850,"tfa":77000,"net_tfa":76850,"tfa_he":126850,"tw":134850,"age":50,"inc":38400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":76850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":16999,"net_nifa":10199,"tfa":16999,"net_tfa":10199,"tfa_he":95199,"tw":95199,"age":57,"inc":17988,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":10199,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":21000,"tw":25096,"age":54,"inc":13797,"fsize":1,"educ":9,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":3899,"tfa":4999,"net_tfa":3899,"tfa_he":3899,"tw":5199,"age":33,"inc":32160,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":3899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":30,"inc":7650,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-1000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":970,"net_nifa":-630,"tfa":5470,"net_tfa":3870,"tfa_he":3870,"tw":7536,"age":35,"inc":23037,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":3870,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-1490,"tfa":10,"net_tfa":-1490,"tfa_he":-1490,"tw":3510,"age":26,"inc":11460,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1490,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-8680,"tfa":20,"net_tfa":-8680,"tfa_he":-8680,"tw":-8680,"age":26,"inc":19785,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-8680,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3016,"tfa":0,"net_tfa":-3016,"tfa_he":-3016,"tw":-2178,"age":59,"inc":12906,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3016,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":2200,"tfa":2200,"net_tfa":2200,"tfa_he":2200,"tw":2200,"age":41,"inc":15432,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":2200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":45000,"hequity":1000,"nifa":210,"net_nifa":10,"tfa":210,"net_tfa":10,"tfa_he":1010,"tw":5606,"age":29,"inc":16194,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":10,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":81000,"hequity":9000,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":2000,"tw":5000,"age":34,"inc":17445,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-7000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":27000,"hequity":3000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":3300,"tw":3300,"age":32,"inc":21420,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":0,"hval":55000,"hmort":52500,"hequity":2500,"nifa":0,"net_nifa":-2800,"tfa":23000,"net_tfa":20200,"tfa_he":22700,"tw":29825,"age":27,"inc":9240,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.1432,"net_n401":20200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":49000,"hequity":1000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":4000,"tw":13000,"age":28,"inc":32034,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":350,"tfa":750,"net_tfa":350,"tfa_he":350,"tw":4350,"age":59,"inc":32856,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":500,"net_nifa":-2500,"tfa":500,"net_tfa":-2500,"tfa_he":22500,"tw":22500,"age":57,"inc":26832,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-13950,"tfa":50,"net_tfa":-13950,"tfa_he":-13950,"tw":-6750,"age":37,"inc":27330,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-13950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60,"net_nifa":-1440,"tfa":60,"net_tfa":-1440,"tfa_he":-1440,"tw":-1240,"age":37,"inc":22482,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1440,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-1500,"tfa":1100,"net_tfa":-1500,"tfa_he":-1500,"tw":2833,"age":28,"inc":33849,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5795,"net_nifa":5795,"tfa":5795,"net_tfa":5795,"tfa_he":5795,"tw":22670,"age":27,"inc":45219,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":5795,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-2900,"tfa":1100,"net_tfa":-2900,"tfa_he":-2900,"tw":-2900,"age":46,"inc":28605,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60000,"net_nifa":60000,"tfa":84000,"net_tfa":84000,"tfa_he":84000,"tw":93050,"age":62,"inc":25020,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":84000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4850,"net_nifa":4550,"tfa":4850,"net_tfa":4550,"tfa_he":4550,"tw":8550,"age":26,"inc":13320,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":4550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":3000,"net_nifa":850,"tfa":3000,"net_tfa":850,"tfa_he":30850,"tw":38350,"age":59,"inc":14415,"fsize":2,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":500,"net_nifa":-600,"tfa":500,"net_tfa":-600,"tfa_he":69400,"tw":69400,"age":60,"inc":3888,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-600,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":27600,"net_nifa":-2400,"tfa":27600,"net_tfa":-2400,"tfa_he":-2400,"tw":-1200,"age":28,"inc":28887,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":80,"tfa":80,"net_tfa":80,"tfa_he":80,"tw":2580,"age":29,"inc":39606,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":80,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11999,"net_nifa":11999,"tfa":11999,"net_tfa":11999,"tfa_he":11999,"tw":21449,"age":46,"inc":26964,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":11999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":84000,"hmort":57000,"hequity":27000,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":26300,"tw":26300,"age":35,"inc":18903,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":23000,"hmort":23000,"hequity":0,"nifa":300,"net_nifa":-5400,"tfa":300,"net_tfa":-5400,"tfa_he":-5400,"tw":2600,"age":33,"inc":15708,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-5400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":750,"tfa":900,"net_tfa":750,"tfa_he":750,"tw":4975,"age":26,"inc":18360,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":32,"inc":53796,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":100000,"hmort":56000,"hequity":44000,"nifa":3600,"net_nifa":3600,"tfa":20600,"net_tfa":20600,"tfa_he":64600,"tw":64600,"age":59,"inc":33360,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":20600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":2500,"age":62,"inc":17919,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":7668,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":33000,"hequity":2000,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":2350,"tw":3350,"age":27,"inc":27810,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3200,"tfa":0,"net_tfa":-3200,"tfa_he":-3200,"tw":-3200,"age":60,"inc":15810,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-3200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":26000,"a401":0,"hval":70000,"hmort":37000,"hequity":33000,"nifa":2100,"net_nifa":1800,"tfa":28100,"net_tfa":27800,"tfa_he":60800,"tw":67700,"age":43,"inc":44016,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.44148,"net_n401":27800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":41949,"net_nifa":41649,"tfa":41949,"net_tfa":41649,"tfa_he":191649,"tw":191649,"age":60,"inc":47040,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":41649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":11000,"hequity":14000,"nifa":1600,"net_nifa":1600,"tfa":1600,"net_tfa":1600,"tfa_he":15600,"tw":19150,"age":45,"inc":25320,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":50000,"hequity":175000,"nifa":300,"net_nifa":-6900,"tfa":300,"net_tfa":-6900,"tfa_he":168100,"tw":168600,"age":41,"inc":19170,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-6900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24500,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":35000,"net_nifa":35000,"tfa":59500,"net_tfa":59500,"tfa_he":109500,"tw":109500,"age":61,"inc":22659,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":59500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":25536,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":79000,"hequity":3000,"nifa":51,"net_nifa":51,"tfa":51,"net_tfa":51,"tfa_he":3051,"tw":5051,"age":43,"inc":39120,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":51,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":53000,"hequity":2000,"nifa":9,"net_nifa":9,"tfa":9,"net_tfa":9,"tfa_he":2009,"tw":2009,"age":48,"inc":2427,"fsize":3,"educ":8,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.375,"net_n401":9,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":61,"inc":11844,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":-600,"age":34,"inc":8322,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":87000,"hequity":0,"nifa":1100,"net_nifa":-12900,"tfa":1100,"net_tfa":-12900,"tfa_he":-12900,"tw":-10325,"age":34,"inc":29250,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-12900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-1450,"tfa":350,"net_tfa":-1450,"tfa_he":-1450,"tw":7550,"age":25,"inc":17361,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.3792,"net_n401":-1450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":30000,"hequity":30000,"nifa":150,"net_nifa":-2350,"tfa":150,"net_tfa":-2350,"tfa_he":27650,"tw":31000,"age":40,"inc":6783,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-2350,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":47000,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":-2000,"age":36,"inc":28527,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":13000,"tfa":13000,"net_tfa":13000,"tfa_he":13000,"tw":13000,"age":57,"inc":4875,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":13000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6500,"a401":0,"hval":205000,"hmort":150000,"hequity":55000,"nifa":1449,"net_nifa":-23551,"tfa":7949,"net_tfa":-17051,"tfa_he":37949,"tw":37949,"age":64,"inc":39339,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":-17051,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":97000,"hmort":69000,"hequity":28000,"nifa":200,"net_nifa":-50,"tfa":200,"net_tfa":-50,"tfa_he":27950,"tw":27950,"age":31,"inc":43476,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":62000,"hmort":22000,"hequity":40000,"nifa":8450,"net_nifa":2950,"tfa":16450,"net_tfa":10950,"tfa_he":50950,"tw":53700,"age":48,"inc":30870,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":10950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-600,"tfa":1600,"net_tfa":-600,"tfa_he":-600,"tw":3066,"age":30,"inc":17430,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":11800,"hmort":0,"hequity":11800,"nifa":35,"net_nifa":-165,"tfa":3535,"net_tfa":3335,"tfa_he":15135,"tw":17435,"age":51,"inc":27888,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.37883,"net_n401":3335,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":116000,"hmort":60000,"hequity":56000,"nifa":68049,"net_nifa":43599,"tfa":68049,"net_tfa":43599,"tfa_he":99599,"tw":99599,"age":42,"inc":28515,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":43599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1499,"net_nifa":1499,"tfa":23499,"net_tfa":23499,"tfa_he":63499,"tw":66849,"age":55,"inc":8460,"fsize":1,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.20883,"net_n401":23499,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":103900,"hequity":56100,"nifa":13100,"net_nifa":11900,"tfa":13100,"net_tfa":11900,"tfa_he":68000,"tw":236086,"age":55,"inc":56598,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":11900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":700,"tfa":1500,"net_tfa":700,"tfa_he":700,"tw":700,"age":37,"inc":19467,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1750,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":2550,"net_tfa":2550,"tfa_he":2550,"tw":32632,"age":64,"inc":8172,"fsize":3,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.22468,"net_n401":2550,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":11000,"tw":11700,"age":46,"inc":14400,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-4000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":310,"net_nifa":310,"tfa":310,"net_tfa":310,"tfa_he":310,"tw":810,"age":40,"inc":25194,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":310,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":8031,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40000,"net_nifa":-143500,"tfa":40000,"net_tfa":-143500,"tfa_he":-143500,"tw":-134800,"age":34,"inc":63600,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-143500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1700,"a401":0,"hval":70000,"hmort":10500,"hequity":59500,"nifa":6550,"net_nifa":6550,"tfa":8250,"net_tfa":8250,"tfa_he":67750,"tw":67750,"age":62,"inc":39648,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":8250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1049,"net_nifa":249,"tfa":1049,"net_tfa":249,"tfa_he":249,"tw":5792,"age":41,"inc":34794,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":-101436,"tfa":4000,"net_tfa":-101436,"tfa_he":-101436,"tw":-100736,"age":31,"inc":42555,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-101436,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4800,"net_nifa":1800,"tfa":4800,"net_tfa":1800,"tfa_he":1800,"tw":3300,"age":56,"inc":24672,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13,"net_nifa":13,"tfa":13,"net_tfa":13,"tfa_he":13,"tw":13,"age":39,"inc":7023,"fsize":5,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":13,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16549,"net_nifa":16549,"tfa":16549,"net_tfa":16549,"tfa_he":16549,"tw":32602,"age":26,"inc":11118,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":16549,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":425,"net_nifa":40,"tfa":425,"net_tfa":40,"tfa_he":40,"tw":1140,"age":33,"inc":18834,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":40,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26750,"hmort":26750,"hequity":0,"nifa":81,"net_nifa":-5919,"tfa":81,"net_tfa":-5919,"tfa_he":-5919,"tw":-5919,"age":35,"inc":22473,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-5919,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":58300,"net_nifa":55300,"tfa":58300,"net_tfa":55300,"tfa_he":70300,"tw":123400,"age":57,"inc":74856,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":55300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":1550,"age":49,"inc":15741,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":85000,"hequity":10000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":12000,"tw":27000,"age":41,"inc":48000,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3103,"net_nifa":-8897,"tfa":3403,"net_tfa":-8597,"tfa_he":-8597,"tw":-8597,"age":34,"inc":31833,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":-8597,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-397,"tfa":50,"net_tfa":-397,"tfa_he":-397,"tw":103,"age":35,"inc":21177,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-397,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1100,"tfa":0,"net_tfa":-1100,"tfa_he":-1100,"tw":-1100,"age":46,"inc":9120,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-1100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":47500,"hequity":12500,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":13000,"tw":19004,"age":25,"inc":18390,"fsize":2,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":300,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":300,"net_tfa":300,"tfa_he":75300,"tw":79825,"age":36,"inc":8964,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":57000,"hmort":20000,"hequity":37000,"nifa":6440,"net_nifa":3940,"tfa":9440,"net_tfa":6940,"tfa_he":43940,"tw":52940,"age":48,"inc":61665,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":6940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":18000,"hequity":2000,"nifa":10,"net_nifa":-5490,"tfa":10,"net_tfa":-5490,"tfa_he":-3490,"tw":-3115,"age":40,"inc":28044,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-5490,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":7000,"hequity":-1000,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":-2500,"tw":-375,"age":39,"inc":13104,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-1500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":5550,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4,"net_nifa":-5996,"tfa":4,"net_tfa":-5996,"tfa_he":-5996,"tw":-5496,"age":31,"inc":8085,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-5996,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":95000,"hmort":58000,"hequity":37000,"nifa":15000,"net_nifa":13800,"tfa":22000,"net_tfa":20800,"tfa_he":57800,"tw":58800,"age":43,"inc":47358,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":20800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":35,"inc":12624,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":16000,"hequity":64000,"nifa":200,"net_nifa":-1000,"tfa":200,"net_tfa":-1000,"tfa_he":63000,"tw":63000,"age":52,"inc":28191,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":101000,"hequity":39000,"nifa":442,"net_nifa":-158,"tfa":442,"net_tfa":-158,"tfa_he":38842,"tw":41363,"age":32,"inc":29244,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-158,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-4325,"tfa":75,"net_tfa":-4325,"tfa_he":-4325,"tw":-4325,"age":38,"inc":31956,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-4325,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-19600,"tfa":400,"net_tfa":-19600,"tfa_he":-19600,"tw":11400,"age":46,"inc":48000,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-19600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":24000,"hmort":18000,"hequity":6000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":6050,"tw":6450,"age":54,"inc":20580,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":165000,"hmort":0,"hequity":165000,"nifa":28000,"net_nifa":18100,"tfa":78000,"net_tfa":68100,"tfa_he":233100,"tw":302775,"age":53,"inc":35016,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":68100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8500,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":13998,"net_nifa":13998,"tfa":22498,"net_tfa":22498,"tfa_he":42498,"tw":65177,"age":43,"inc":26367,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":22498,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2244,"a401":0,"hval":60000,"hmort":42000,"hequity":18000,"nifa":2065,"net_nifa":-453,"tfa":4309,"net_tfa":1791,"tfa_he":19791,"tw":23591,"age":28,"inc":30936,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":1791,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":45,"net_nifa":45,"tfa":45,"net_tfa":45,"tfa_he":45,"tw":45,"age":38,"inc":11082,"fsize":4,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":45,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":35000,"hmort":9000,"hequity":26000,"nifa":7458,"net_nifa":7458,"tfa":33458,"net_tfa":33458,"tfa_he":59458,"tw":59458,"age":63,"inc":33951,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":23458,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":1510,"age":29,"inc":18480,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":10,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":44,"inc":17505,"fsize":2,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":3849,"age":31,"inc":2736,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":499,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1444,"net_nifa":494,"tfa":1444,"net_tfa":494,"tfa_he":494,"tw":494,"age":38,"inc":18468,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":494,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1699,"net_nifa":1699,"tfa":41699,"net_tfa":41699,"tfa_he":41699,"tw":174374,"age":61,"inc":17508,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.32681,"net_n401":41699,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":103000,"hmort":0,"hequity":103000,"nifa":8500,"net_nifa":8300,"tfa":8500,"net_tfa":8300,"tfa_he":111300,"tw":111300,"age":44,"inc":16797,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":8300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":18000,"hequity":17000,"nifa":1399,"net_nifa":1339,"tfa":1399,"net_tfa":1339,"tfa_he":18339,"tw":18339,"age":52,"inc":14460,"fsize":3,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1339,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":7000,"net_nifa":6930,"tfa":7000,"net_tfa":6930,"tfa_he":86930,"tw":86930,"age":60,"inc":36966,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":6930,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":31000,"a401":0,"hval":81000,"hmort":0,"hequity":81000,"nifa":6000,"net_nifa":6000,"tfa":37000,"net_tfa":37000,"tfa_he":118000,"tw":125675,"age":59,"inc":24660,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":37000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":37000,"hequity":48000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":48500,"tw":48500,"age":34,"inc":44688,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":7625,"age":35,"inc":12114,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":200,"net_nifa":-6700,"tfa":200,"net_tfa":-6700,"tfa_he":18300,"tw":20425,"age":64,"inc":17040,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-6700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72000,"hmort":60000,"hequity":12000,"nifa":400,"net_nifa":-2600,"tfa":400,"net_tfa":-2600,"tfa_he":9400,"tw":15900,"age":41,"inc":48615,"fsize":4,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":-2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":38000,"hequity":0,"nifa":2084,"net_nifa":2084,"tfa":2084,"net_tfa":2084,"tfa_he":2084,"tw":10084,"age":38,"inc":12384,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":2084,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":27798,"net_nifa":19798,"tfa":27798,"net_tfa":19798,"tfa_he":119798,"tw":121798,"age":36,"inc":24297,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":19798,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":39900,"hequity":100,"nifa":410,"net_nifa":-6890,"tfa":410,"net_tfa":-6890,"tfa_he":-6790,"tw":-4290,"age":29,"inc":22362,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-6890,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":3600,"hequity":21400,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":20700,"tw":20700,"age":29,"inc":9120,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-700,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":2700,"tfa":8700,"net_tfa":8700,"tfa_he":8700,"tw":11750,"age":53,"inc":14124,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.32681,"net_n401":8700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":600,"a401":0,"hval":92000,"hmort":87000,"hequity":5000,"nifa":11700,"net_nifa":3700,"tfa":12300,"net_tfa":4300,"tfa_he":9300,"tw":16625,"age":42,"inc":3579,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.1432,"net_n401":4300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":0,"hequity":14000,"nifa":295,"net_nifa":-2905,"tfa":295,"net_tfa":-2905,"tfa_he":11095,"tw":12995,"age":31,"inc":17238,"fsize":3,"educ":1,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-2905,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7000,"hmort":6000,"hequity":1000,"nifa":25,"net_nifa":-1340,"tfa":25,"net_tfa":-1340,"tfa_he":-340,"tw":7660,"age":37,"inc":26553,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-1340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":8000,"hequity":60000,"nifa":300,"net_nifa":-9700,"tfa":300,"net_tfa":-9700,"tfa_he":50300,"tw":62300,"age":56,"inc":37869,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-9700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":33424,"a401":0,"hval":165000,"hmort":59000,"hequity":106000,"nifa":3749,"net_nifa":3749,"tfa":37173,"net_tfa":37173,"tfa_he":143173,"tw":153173,"age":51,"inc":37971,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":37173,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4600,"net_nifa":-10200,"tfa":54600,"net_tfa":39800,"tfa_he":39800,"tw":52200,"age":40,"inc":132057,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.48881,"net_n401":39800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-9500,"tfa":500,"net_tfa":-9500,"tfa_he":-9500,"tw":-6800,"age":27,"inc":28800,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-9500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":19000,"hmort":14000,"hequity":5000,"nifa":40,"net_nifa":-1360,"tfa":40,"net_tfa":-1360,"tfa_he":3640,"tw":4540,"age":40,"inc":15045,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-1360,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":129000,"hequity":41000,"nifa":100,"net_nifa":-3800,"tfa":100,"net_tfa":-3800,"tfa_he":37200,"tw":37700,"age":64,"inc":26946,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13600,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":25800,"net_nifa":25800,"tfa":39400,"net_tfa":39400,"tfa_he":99400,"tw":109400,"age":59,"inc":33921,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":39400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":900,"tw":900,"age":48,"inc":13050,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-3000,"tfa":2000,"net_tfa":-3000,"tfa_he":-3000,"tw":-2000,"age":27,"inc":39600,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-450,"tfa":150,"net_tfa":-450,"tfa_he":-450,"tw":-450,"age":30,"inc":16413,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":27174,"a401":0,"hval":275000,"hmort":50000,"hequity":225000,"nifa":31887,"net_nifa":31887,"tfa":59061,"net_tfa":59061,"tfa_he":284061,"tw":418561,"age":63,"inc":71184,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":59061,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1940,"net_nifa":-10060,"tfa":1940,"net_tfa":-10060,"tfa_he":-10060,"tw":940,"age":28,"inc":54894,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-10060,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":54,"net_nifa":-246,"tfa":54,"net_tfa":-246,"tfa_he":-246,"tw":1879,"age":29,"inc":9849,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-246,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":16209,"net_nifa":16209,"tfa":16209,"net_tfa":16209,"tfa_he":96209,"tw":108209,"age":55,"inc":23346,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":16209,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8053,"age":30,"inc":11550,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":1075,"net_nifa":875,"tfa":1075,"net_tfa":875,"tfa_he":875,"tw":45525,"age":59,"inc":18204,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":875,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":75000,"hequity":0,"nifa":17212,"net_nifa":17212,"tfa":17212,"net_tfa":17212,"tfa_he":17212,"tw":18437,"age":31,"inc":28974,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":17212,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4200,"net_nifa":-2800,"tfa":4200,"net_tfa":-2800,"tfa_he":-2800,"tw":-2800,"age":40,"inc":18696,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":6415,"net_nifa":6215,"tfa":6415,"net_tfa":6215,"tfa_he":56215,"tw":64215,"age":25,"inc":16938,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":6215,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":25500,"fsize":5,"educ":9,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34000,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":74998,"net_nifa":74498,"tfa":108998,"net_tfa":108498,"tfa_he":223498,"tw":249498,"age":62,"inc":35550,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":108498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1050,"age":52,"inc":22848,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":4872,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":15000,"hequity":34000,"nifa":47,"net_nifa":-7953,"tfa":47,"net_tfa":-7953,"tfa_he":26047,"tw":47047,"age":59,"inc":42948,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-7953,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":-700,"tw":-700,"age":31,"inc":8400,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-700,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3200,"tfa":0,"net_tfa":-3200,"tfa_he":-3200,"tw":7800,"age":32,"inc":30630,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":127000,"hequity":23000,"nifa":1500,"net_nifa":1050,"tfa":1500,"net_tfa":1050,"tfa_he":24050,"tw":25650,"age":40,"inc":56505,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":68000,"hequity":4000,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":5500,"tw":7500,"age":42,"inc":36666,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-12600,"tfa":0,"net_tfa":-12600,"tfa_he":-12600,"tw":-12600,"age":43,"inc":7050,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-12600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":64800,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":904199,"net_nifa":904199,"tfa":968999,"net_tfa":968999,"tfa_he":1168999,"tw":1168999,"age":58,"inc":33915,"fsize":2,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":968999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":1010,"age":26,"inc":8049,"fsize":5,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":10,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":2952,"fsize":3,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":50,"tfa":4450,"net_tfa":4050,"tfa_he":4050,"tw":4050,"age":33,"inc":52800,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.55004,"net_n401":4050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":13769,"net_nifa":13569,"tfa":13769,"net_tfa":13569,"tfa_he":38569,"tw":200134,"age":64,"inc":13737,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":13569,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":76000,"hmort":63000,"hequity":13000,"nifa":2614,"net_nifa":1414,"tfa":2614,"net_tfa":1414,"tfa_he":14414,"tw":16414,"age":38,"inc":36150,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1414,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":26000,"hequity":14000,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":14800,"tw":14800,"age":48,"inc":37080,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":105,"net_nifa":-1345,"tfa":105,"net_tfa":-1345,"tfa_he":-1345,"tw":-1345,"age":63,"inc":16575,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1345,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":0,"hval":55000,"hmort":36000,"hequity":19000,"nifa":23200,"net_nifa":21700,"tfa":34200,"net_tfa":32700,"tfa_he":51700,"tw":94100,"age":60,"inc":45471,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":32700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":52000,"hequity":8000,"nifa":8849,"net_nifa":5849,"tfa":8849,"net_tfa":5849,"tfa_he":13849,"tw":19849,"age":40,"inc":35157,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":5849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3000,"tw":-3000,"age":43,"inc":8880,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-3000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":3200,"net_nifa":2630,"tfa":16200,"net_tfa":15630,"tfa_he":65630,"tw":65630,"age":58,"inc":49170,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":15630,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":1100,"tfa":3500,"net_tfa":1100,"tfa_he":1100,"tw":7100,"age":26,"inc":26475,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":1100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-10000,"tfa":1400,"net_tfa":-10000,"tfa_he":-10000,"tw":7000,"age":30,"inc":58413,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-10000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":-24500,"tfa":2800,"net_tfa":-24500,"tfa_he":-24500,"tw":-20569,"age":55,"inc":23208,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-24500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40000,"net_nifa":40000,"tfa":42000,"net_tfa":42000,"tfa_he":42000,"tw":42000,"age":32,"inc":67590,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":42000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36000,"hequity":9000,"nifa":6393,"net_nifa":994,"tfa":6393,"net_tfa":994,"tfa_he":9994,"tw":9994,"age":38,"inc":29640,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":994,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":115000,"hequity":0,"nifa":1799,"net_nifa":1799,"tfa":1799,"net_tfa":1799,"tfa_he":1799,"tw":12042,"age":34,"inc":73764,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":1799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":200,"tfa":350,"net_tfa":200,"tfa_he":200,"tw":3687,"age":37,"inc":11040,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":113000,"hmort":113000,"hequity":0,"nifa":857,"net_nifa":-643,"tfa":857,"net_tfa":-643,"tfa_he":-643,"tw":3798,"age":44,"inc":27675,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-643,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-550,"tfa":50,"net_tfa":-550,"tfa_he":-550,"tw":4000,"age":30,"inc":17349,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":54,"inc":8478,"fsize":5,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-351,"tfa":249,"net_tfa":-351,"tfa_he":-351,"tw":3506,"age":28,"inc":15315,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-351,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":41499,"net_nifa":41499,"tfa":41499,"net_tfa":41499,"tfa_he":121499,"tw":121499,"age":58,"inc":20976,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":41499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":3975,"age":27,"inc":18006,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1799,"net_nifa":799,"tfa":7799,"net_tfa":6799,"tfa_he":6799,"tw":15260,"age":57,"inc":23850,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":6799,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":60000,"hequity":15000,"nifa":38349,"net_nifa":38149,"tfa":38349,"net_tfa":38149,"tfa_he":53149,"tw":53149,"age":29,"inc":44748,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":38149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":58,"inc":16947,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":1900,"net_nifa":1800,"tfa":1900,"net_tfa":1800,"tfa_he":11800,"tw":11800,"age":60,"inc":16149,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":1800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":30500,"hequity":4500,"nifa":175,"net_nifa":-16225,"tfa":175,"net_tfa":-16225,"tfa_he":-11725,"tw":-7685,"age":35,"inc":31191,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-16225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":70000,"hequity":230000,"nifa":199,"net_nifa":-1501,"tfa":199,"net_tfa":-1501,"tfa_he":228499,"tw":232499,"age":25,"inc":36168,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-1501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":84000,"hequity":81000,"nifa":35000,"net_nifa":35000,"tfa":35000,"net_tfa":35000,"tfa_he":116000,"tw":116000,"age":34,"inc":92097,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":35000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":750,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":7863,"age":27,"inc":18000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":900,"age":27,"inc":13464,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2299,"net_nifa":-13901,"tfa":2299,"net_tfa":-13901,"tfa_he":-13901,"tw":-13901,"age":42,"inc":34227,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-13901,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":0,"net_nifa":-256,"tfa":0,"net_tfa":-256,"tfa_he":-256,"tw":244,"age":37,"inc":12633,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-256,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-6900,"tfa":1100,"net_tfa":-6900,"tfa_he":-6900,"tw":-2900,"age":63,"inc":33432,"fsize":7,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-6900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":51445,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":2000,"net_nifa":-10000,"tfa":53445,"net_tfa":41445,"tfa_he":46445,"tw":70445,"age":50,"inc":60426,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":41445,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":265000,"hmort":120000,"hequity":145000,"nifa":500,"net_nifa":-3300,"tfa":500,"net_tfa":-3300,"tfa_he":141700,"tw":141700,"age":39,"inc":60030,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-9300,"tfa":700,"net_tfa":-9300,"tfa_he":-9300,"tw":-7634,"age":59,"inc":31959,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-9300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":80000,"hmort":48000,"hequity":32000,"nifa":20620,"net_nifa":19870,"tfa":70620,"net_tfa":69870,"tfa_he":101870,"tw":130970,"age":61,"inc":52806,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":69870,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":150000,"hmort":89000,"hequity":61000,"nifa":5000,"net_nifa":3000,"tfa":7500,"net_tfa":5500,"tfa_he":66500,"tw":70825,"age":51,"inc":43590,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":6168,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":10811,"age":39,"inc":24840,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":40000,"hequity":15000,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":15150,"tw":17650,"age":53,"inc":14343,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":36,"inc":5103,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16200,"net_nifa":16200,"tfa":24200,"net_tfa":24200,"tfa_he":24200,"tw":24950,"age":32,"inc":22392,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":24200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":11000,"net_nifa":7000,"tfa":11000,"net_tfa":7000,"tfa_he":157000,"tw":157000,"age":33,"inc":76050,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":7120,"hequity":2880,"nifa":42,"net_nifa":-14958,"tfa":42,"net_tfa":-14958,"tfa_he":-12078,"tw":-12078,"age":25,"inc":19680,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-14958,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3500,"hmort":0,"hequity":3500,"nifa":500,"net_nifa":-2000,"tfa":500,"net_tfa":-2000,"tfa_he":1500,"tw":71500,"age":30,"inc":40389,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":42000,"hequity":0,"nifa":349,"net_nifa":-1851,"tfa":349,"net_tfa":-1851,"tfa_he":-1851,"tw":-1851,"age":33,"inc":28203,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1851,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6500,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":129720,"net_nifa":129720,"tfa":161626,"net_tfa":161626,"tfa_he":461626,"tw":461626,"age":48,"inc":107922,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":136220,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-40000,"tfa":0,"net_tfa":-40000,"tfa_he":-40000,"tw":-40000,"age":46,"inc":40224,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":-40000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":23000,"hequity":32000,"nifa":7696,"net_nifa":-5154,"tfa":7696,"net_tfa":-5154,"tfa_he":26846,"tw":82106,"age":41,"inc":79434,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-5154,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5800,"net_nifa":5800,"tfa":5800,"net_tfa":5800,"tfa_he":5800,"tw":5800,"age":55,"inc":38613,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":5800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":400,"tfa":650,"net_tfa":400,"tfa_he":400,"tw":2975,"age":28,"inc":25014,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":-30910,"tfa":90,"net_tfa":-30910,"tfa_he":-30910,"tw":-23910,"age":29,"inc":24384,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-30910,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-9400,"tfa":0,"net_tfa":-9400,"tfa_he":-9400,"tw":-8900,"age":31,"inc":19200,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-9400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":101000,"hmort":100000,"hequity":1000,"nifa":850,"net_nifa":850,"tfa":850,"net_tfa":850,"tfa_he":1850,"tw":8350,"age":32,"inc":16575,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13200,"a401":0,"hval":150000,"hmort":87500,"hequity":62500,"nifa":48877,"net_nifa":48166,"tfa":62077,"net_tfa":61366,"tfa_he":123866,"tw":123866,"age":44,"inc":61581,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":61366,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4411,"a401":0,"hval":140000,"hmort":57000,"hequity":83000,"nifa":98699,"net_nifa":98299,"tfa":103110,"net_tfa":102710,"tfa_he":185710,"tw":189060,"age":54,"inc":24900,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":102710,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":6538,"age":28,"inc":11481,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":-5000,"age":29,"inc":8058,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-5000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24000,"net_nifa":23850,"tfa":24000,"net_tfa":23850,"tfa_he":23850,"tw":23850,"age":30,"inc":21720,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":23850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":53700,"net_nifa":53700,"tfa":53700,"net_tfa":53700,"tfa_he":53700,"tw":53700,"age":26,"inc":36309,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":53700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":38,"inc":19125,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":95000,"hmort":47500,"hequity":47500,"nifa":28411,"net_nifa":28411,"tfa":40411,"net_tfa":40411,"tfa_he":87911,"tw":92236,"age":60,"inc":35859,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":40411,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":0,"net_nifa":-2600,"tfa":0,"net_tfa":-2600,"tfa_he":12400,"tw":13975,"age":46,"inc":13956,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":775,"net_nifa":75,"tfa":775,"net_tfa":75,"tfa_he":35075,"tw":38575,"age":43,"inc":18366,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":75,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":46000,"hequity":34000,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":35499,"tw":40106,"age":41,"inc":25761,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":17850,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":270,"net_nifa":270,"tfa":270,"net_tfa":270,"tfa_he":40270,"tw":40270,"age":64,"inc":12576,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":270,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":21300,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":61600,"net_nifa":61350,"tfa":82900,"net_tfa":82650,"tfa_he":167650,"tw":202650,"age":53,"inc":121836,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":82650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":0,"hval":45000,"hmort":20000,"hequity":25000,"nifa":5449,"net_nifa":4549,"tfa":27449,"net_tfa":26549,"tfa_he":51549,"tw":54969,"age":60,"inc":27420,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":26549,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":585,"net_nifa":-15515,"tfa":5585,"net_tfa":-10515,"tfa_he":-10515,"tw":-10515,"age":37,"inc":20406,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":-10515,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2830,"net_nifa":2830,"tfa":5330,"net_tfa":5330,"tfa_he":5330,"tw":13330,"age":27,"inc":25284,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":5330,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":249,"tw":249,"age":32,"inc":32451,"fsize":6,"educ":4,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":17700,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":0,"hequity":140000,"nifa":24500,"net_nifa":24292,"tfa":24500,"net_tfa":24292,"tfa_he":164292,"tw":164292,"age":47,"inc":25926,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":24292,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11400,"net_nifa":11400,"tfa":11400,"net_tfa":11400,"tfa_he":11400,"tw":11400,"age":26,"inc":15822,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.3792,"net_n401":11400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":60000,"hequity":90000,"nifa":2000,"net_nifa":-1250,"tfa":2000,"net_tfa":-1250,"tfa_he":88750,"tw":115750,"age":32,"inc":45780,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-1250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":57200,"hequity":22800,"nifa":200,"net_nifa":-100,"tfa":200,"net_tfa":-100,"tfa_he":22700,"tw":35700,"age":26,"inc":32016,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1250,"age":48,"inc":18696,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":19000,"hequity":51000,"nifa":1820,"net_nifa":-2280,"tfa":1820,"net_tfa":-2280,"tfa_he":48720,"tw":48720,"age":42,"inc":35280,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":12240,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":22000,"hequity":13000,"nifa":1050,"net_nifa":50,"tfa":1050,"net_tfa":50,"tfa_he":13050,"tw":87300,"age":46,"inc":19233,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":55000,"hequity":105000,"nifa":1300,"net_nifa":-9700,"tfa":1300,"net_tfa":-9700,"tfa_he":95300,"tw":96800,"age":34,"inc":26985,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-9700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":125,"tfa":125,"net_tfa":125,"tfa_he":125,"tw":1125,"age":31,"inc":17145,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":125,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-40700,"tfa":350,"net_tfa":-40650,"tfa_he":-40650,"tw":4950,"age":38,"inc":6750,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.11738,"net_n401":-40650,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5550,"net_nifa":4950,"tfa":5550,"net_tfa":4950,"tfa_he":4950,"tw":17050,"age":28,"inc":19587,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":4950,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":19500,"hequity":45500,"nifa":10850,"net_nifa":10450,"tfa":10850,"net_tfa":10450,"tfa_he":55950,"tw":56550,"age":52,"inc":41697,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":10450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":9800,"hequity":200,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":350,"tw":4950,"age":39,"inc":20517,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":34000,"hmort":0,"hequity":34000,"nifa":3749,"net_nifa":-611,"tfa":3749,"net_tfa":-611,"tfa_he":33389,"tw":47389,"age":41,"inc":37440,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-611,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":360,"net_nifa":-940,"tfa":360,"net_tfa":-940,"tfa_he":-940,"tw":1785,"age":34,"inc":5106,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-940,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4461,"a401":0,"hval":65000,"hmort":54000,"hequity":11000,"nifa":13518,"net_nifa":13068,"tfa":17979,"net_tfa":17529,"tfa_he":28529,"tw":35529,"age":31,"inc":65259,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":17529,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4844,"a401":0,"hval":120000,"hmort":55000,"hequity":65000,"nifa":0,"net_nifa":-1500,"tfa":4844,"net_tfa":3344,"tfa_he":68344,"tw":68344,"age":47,"inc":51972,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":3344,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":13743,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":-9001,"tfa":1999,"net_tfa":-9001,"tfa_he":-9001,"tw":-3901,"age":25,"inc":33729,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-9001,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":649,"net_nifa":-351,"tfa":649,"net_tfa":-351,"tfa_he":-351,"tw":-351,"age":36,"inc":48351,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-351,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":64,"inc":10200,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":49999,"net_nifa":49999,"tfa":61999,"net_tfa":61999,"tfa_he":141999,"tw":142499,"age":61,"inc":28650,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":61999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":6750,"age":41,"inc":13632,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":42800,"net_nifa":40800,"tfa":48800,"net_tfa":46800,"tfa_he":126800,"tw":129550,"age":58,"inc":24804,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":46800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":28000,"a401":0,"hval":180000,"hmort":0,"hequity":180000,"nifa":154949,"net_nifa":154749,"tfa":182949,"net_tfa":182749,"tfa_he":362749,"tw":517749,"age":55,"inc":51606,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":182749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":4100,"net_nifa":920,"tfa":4100,"net_tfa":920,"tfa_he":100920,"tw":105170,"age":45,"inc":30240,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":920,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":33900,"hequity":1100,"nifa":300,"net_nifa":0,"tfa":300,"net_tfa":0,"tfa_he":1100,"tw":3100,"age":30,"inc":31200,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":57950,"hequity":20050,"nifa":12003,"net_nifa":10948,"tfa":12003,"net_tfa":10948,"tfa_he":30998,"tw":42320,"age":30,"inc":59253,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":10948,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63800,"hmort":7252,"hequity":56548,"nifa":0,"net_nifa":-5650,"tfa":0,"net_tfa":-5650,"tfa_he":50898,"tw":50898,"age":49,"inc":16092,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-5650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-5000,"tfa":2000,"net_tfa":-5000,"tfa_he":-5000,"tw":-1154,"age":28,"inc":36060,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":61,"inc":16320,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":-235,"tfa":15,"net_tfa":-235,"tfa_he":-235,"tw":265,"age":62,"inc":7338,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-235,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":81000,"hequity":59000,"nifa":86907,"net_nifa":72907,"tfa":86907,"net_tfa":72907,"tfa_he":131907,"tw":131907,"age":30,"inc":58080,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":72907,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":220000,"hmort":150000,"hequity":70000,"nifa":3250,"net_nifa":-1750,"tfa":3250,"net_tfa":-1750,"tfa_he":68250,"tw":85750,"age":27,"inc":71598,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-3000,"tfa":1000,"net_tfa":-3000,"tfa_he":-3000,"tw":-3000,"age":58,"inc":36975,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":56000,"hmort":45000,"hequity":11000,"nifa":2900,"net_nifa":2900,"tfa":2900,"net_tfa":2900,"tfa_he":13900,"tw":13900,"age":50,"inc":26640,"fsize":4,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":2900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-3800,"tfa":2200,"net_tfa":-3800,"tfa_he":-3800,"tw":1200,"age":25,"inc":51207,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-3800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":250000,"hmort":30000,"hequity":220000,"nifa":13998,"net_nifa":13998,"tfa":17498,"net_tfa":17498,"tfa_he":237498,"tw":503797,"age":41,"inc":161550,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":17498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":7000,"tfa":7000,"net_tfa":7000,"tfa_he":7000,"tw":7000,"age":25,"inc":41856,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":2500,"age":30,"inc":18639,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":49000,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":37330,"net_nifa":37030,"tfa":86330,"net_tfa":86030,"tfa_he":101030,"tw":115030,"age":40,"inc":43203,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":86030,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":14000,"hequity":0,"nifa":33,"net_nifa":-1267,"tfa":33,"net_tfa":-1267,"tfa_he":-1267,"tw":733,"age":38,"inc":20340,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1267,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":28948,"a401":0,"hval":150000,"hmort":58500,"hequity":91500,"nifa":107036,"net_nifa":105636,"tfa":135984,"net_tfa":134584,"tfa_he":226084,"tw":235584,"age":47,"inc":106620,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":134584,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-2000,"tfa":2000,"net_tfa":-2000,"tfa_he":-2000,"tw":5000,"age":28,"inc":37296,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":30500,"tw":33000,"age":26,"inc":26736,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-200,"tfa":1000,"net_tfa":-200,"tfa_he":-200,"tw":1050,"age":30,"inc":21660,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":420,"net_nifa":420,"tfa":420,"net_tfa":420,"tfa_he":420,"tw":3445,"age":41,"inc":16740,"fsize":2,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":420,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":35,"inc":9063,"fsize":7,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5300,"net_nifa":4800,"tfa":5300,"net_tfa":4800,"tfa_he":4800,"tw":7475,"age":40,"inc":26208,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":4800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-4000,"tfa":2000,"net_tfa":-4000,"tfa_he":-4000,"tw":475,"age":45,"inc":42576,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":-4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":60400,"tw":262900,"age":48,"inc":8916,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":400,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":63,"inc":16500,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":9396,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":15600,"hequity":14400,"nifa":8710,"net_nifa":8460,"tfa":8710,"net_tfa":8460,"tfa_he":22860,"tw":30735,"age":26,"inc":24300,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":8460,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":32000,"hequity":7000,"nifa":0,"net_nifa":-16747,"tfa":0,"net_tfa":-16747,"tfa_he":-9747,"tw":-9747,"age":39,"inc":23703,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-16747,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":10260,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":846,"net_nifa":-3154,"tfa":1146,"net_tfa":-2854,"tfa_he":-2854,"tw":43746,"age":54,"inc":28059,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":-2854,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":1200,"net_nifa":-20800,"tfa":1200,"net_tfa":-20800,"tfa_he":59200,"tw":62700,"age":30,"inc":41412,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-20800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":22800,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":27713,"net_nifa":27713,"tfa":50513,"net_tfa":50513,"tfa_he":70513,"tw":87151,"age":51,"inc":8082,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.20883,"net_n401":50513,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-2450,"tfa":750,"net_tfa":-2450,"tfa_he":-2450,"tw":-1950,"age":29,"inc":23274,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":72000,"hequity":8000,"nifa":799,"net_nifa":-14361,"tfa":799,"net_tfa":-14361,"tfa_he":-6361,"tw":-4061,"age":31,"inc":52185,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-14361,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10100,"hequity":9900,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":10150,"tw":10750,"age":54,"inc":24714,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":-2500,"age":33,"inc":10200,"fsize":10,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":3000,"tfa":4000,"net_tfa":3000,"tfa_he":3000,"tw":4500,"age":38,"inc":19227,"fsize":3,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-5900,"age":29,"inc":9000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-8000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":58000,"tw":59313,"age":33,"inc":12000,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":37000,"hequity":98000,"nifa":2850,"net_nifa":2470,"tfa":2850,"net_tfa":2470,"tfa_he":100470,"tw":105470,"age":52,"inc":39186,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":2900,"tfa":4500,"net_tfa":2900,"tfa_he":2900,"tw":2900,"age":29,"inc":29670,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":2900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11784,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":77084,"net_nifa":77084,"tfa":88868,"net_tfa":88868,"tfa_he":153868,"tw":158786,"age":61,"inc":59940,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":88868,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":97000,"hmort":65000,"hequity":32000,"nifa":1318,"net_nifa":-11270,"tfa":1318,"net_tfa":-11270,"tfa_he":20730,"tw":20730,"age":36,"inc":78549,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-11270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":44500,"hequity":25500,"nifa":2645,"net_nifa":-1855,"tfa":2645,"net_tfa":-1855,"tfa_he":23645,"tw":23645,"age":34,"inc":47754,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1855,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":95000,"hmort":73500,"hequity":21500,"nifa":15270,"net_nifa":15270,"tfa":20270,"net_tfa":20270,"tfa_he":41770,"tw":47145,"age":33,"inc":56808,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":20270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":42000,"hequity":1000,"nifa":14999,"net_nifa":14984,"tfa":14999,"net_tfa":14984,"tfa_he":15984,"tw":15984,"age":26,"inc":23787,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":14984,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":32000,"hequity":48000,"nifa":550,"net_nifa":-3980,"tfa":550,"net_tfa":-3980,"tfa_he":44020,"tw":44020,"age":54,"inc":27870,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3980,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":8500,"hequity":26500,"nifa":675,"net_nifa":-625,"tfa":675,"net_tfa":-625,"tfa_he":25875,"tw":25875,"age":57,"inc":25227,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-625,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":34000,"hequity":31000,"nifa":14498,"net_nifa":13498,"tfa":14498,"net_tfa":13498,"tfa_he":44498,"tw":44675,"age":40,"inc":48240,"fsize":6,"educ":17,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":13498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2100,"a401":0,"hval":200000,"hmort":25000,"hequity":175000,"nifa":7149,"net_nifa":7149,"tfa":9249,"net_tfa":9249,"tfa_he":184249,"tw":190249,"age":29,"inc":16827,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14649,"net_n401":9249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-12251,"tfa":249,"net_tfa":-12251,"tfa_he":-12251,"tw":-12251,"age":43,"inc":51663,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-12251,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":41000,"hmort":41000,"hequity":0,"nifa":305,"net_nifa":305,"tfa":305,"net_tfa":305,"tfa_he":305,"tw":805,"age":32,"inc":28122,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":305,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":30500,"hequity":14500,"nifa":1198,"net_nifa":1098,"tfa":1198,"net_tfa":1098,"tfa_he":15598,"tw":22598,"age":48,"inc":28296,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":1098,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":850,"age":58,"inc":12255,"fsize":1,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":50000,"hequity":35000,"nifa":6999,"net_nifa":4999,"tfa":6999,"net_tfa":4999,"tfa_he":39999,"tw":54844,"age":56,"inc":36420,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":18000,"hmort":18000,"hequity":0,"nifa":550,"net_nifa":-650,"tfa":550,"net_tfa":-650,"tfa_he":-650,"tw":4400,"age":40,"inc":19209,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":1500,"net_nifa":-2500,"tfa":1500,"net_tfa":-2500,"tfa_he":22500,"tw":22500,"age":62,"inc":17805,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":99500,"hmort":0,"hequity":99500,"nifa":150,"net_nifa":-350,"tfa":150,"net_tfa":-350,"tfa_he":99150,"tw":99150,"age":62,"inc":23310,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":87,"net_nifa":-3413,"tfa":87,"net_tfa":-3413,"tfa_he":-3413,"tw":7587,"age":45,"inc":8880,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-3413,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":40000,"a401":0,"hval":140000,"hmort":85000,"hequity":55000,"nifa":75500,"net_nifa":75500,"tfa":115500,"net_tfa":115500,"tfa_he":170500,"tw":170500,"age":38,"inc":117651,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":115500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":3348,"age":47,"inc":12240,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":15,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3300,"net_nifa":1700,"tfa":3300,"net_tfa":1700,"tfa_he":1700,"tw":1700,"age":25,"inc":13266,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":38800,"hequity":1200,"nifa":1005,"net_nifa":255,"tfa":1005,"net_tfa":255,"tfa_he":1455,"tw":9993,"age":26,"inc":24900,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":255,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-33900,"tfa":400,"net_tfa":-33900,"tfa_he":-33900,"tw":-33900,"age":43,"inc":42024,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-33900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":-700,"tfa":3200,"net_tfa":-700,"tfa_he":-700,"tw":3275,"age":36,"inc":23595,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":1800,"tw":2300,"age":32,"inc":19224,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":8670,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":165000,"hmort":37000,"hequity":128000,"nifa":4949,"net_nifa":1949,"tfa":8949,"net_tfa":5949,"tfa_he":133949,"tw":133949,"age":31,"inc":39627,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":5949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":19677,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":56,"inc":25500,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":20000,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":0,"net_nifa":0,"tfa":20000,"net_tfa":20000,"tfa_he":270000,"tw":303025,"age":54,"inc":40902,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":0,"hval":16000,"hmort":14150,"hequity":1850,"nifa":0,"net_nifa":-100,"tfa":11000,"net_tfa":10900,"tfa_he":12750,"tw":16100,"age":41,"inc":14064,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":10900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":150000,"hmort":65000,"hequity":85000,"nifa":14055,"net_nifa":14055,"tfa":32055,"net_tfa":32055,"tfa_he":117055,"tw":120405,"age":61,"inc":48033,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":32055,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":7000,"tw":21000,"age":31,"inc":20229,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":205000,"hmort":85000,"hequity":120000,"nifa":1200,"net_nifa":-2500,"tfa":19200,"net_tfa":15500,"tfa_he":135500,"tw":280500,"age":39,"inc":52077,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":15500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":140000,"hequity":70000,"nifa":1600,"net_nifa":-32400,"tfa":1600,"net_tfa":-32400,"tfa_he":37600,"tw":43600,"age":30,"inc":66000,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-32400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":28000,"hequity":27000,"nifa":2400,"net_nifa":2400,"tfa":2400,"net_tfa":2400,"tfa_he":29400,"tw":33900,"age":40,"inc":21420,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":2400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":45000,"hequity":35000,"nifa":7650,"net_nifa":5350,"tfa":7650,"net_tfa":5350,"tfa_he":40350,"tw":48075,"age":43,"inc":52803,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":5350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":9000,"net_nifa":8000,"tfa":27000,"net_tfa":26000,"tfa_he":86000,"tw":96455,"age":64,"inc":28908,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":27500,"hmort":16800,"hequity":10700,"nifa":7248,"net_nifa":6848,"tfa":7248,"net_tfa":6848,"tfa_he":17548,"tw":17548,"age":64,"inc":32817,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":6848,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":0,"hval":56000,"hmort":36000,"hequity":20000,"nifa":60000,"net_nifa":60000,"tfa":63000,"net_tfa":63000,"tfa_he":83000,"tw":83000,"age":27,"inc":15660,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":63000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-7195,"tfa":5,"net_tfa":-7195,"tfa_he":-7195,"tw":-7195,"age":31,"inc":47904,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-7195,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":59000,"hequity":1000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":1050,"tw":1050,"age":28,"inc":13770,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":50000,"age":51,"inc":12324,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":22000,"hequity":13000,"nifa":280,"net_nifa":-7920,"tfa":280,"net_tfa":-7920,"tfa_he":5080,"tw":6080,"age":41,"inc":19641,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-7920,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":100,"tfa":600,"net_tfa":100,"tfa_he":100,"tw":2750,"age":38,"inc":6879,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26882,"net_nifa":26564,"tfa":26882,"net_tfa":26564,"tfa_he":26564,"tw":84564,"age":45,"inc":70035,"fsize":2,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.31695,"net_n401":26564,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1469,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":140,"net_nifa":140,"tfa":1609,"net_tfa":1609,"tfa_he":1609,"tw":2351,"age":59,"inc":20430,"fsize":1,"educ":6,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.51179,"net_n401":1609,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8179,"net_nifa":7179,"tfa":8179,"net_tfa":7179,"tfa_he":7179,"tw":7179,"age":28,"inc":13428,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":7179,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":330000,"net_nifa":329400,"tfa":359000,"net_tfa":358400,"tfa_he":658400,"tw":1315400,"age":61,"inc":179373,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":345400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":41500,"hequity":13500,"nifa":605,"net_nifa":75,"tfa":605,"net_tfa":75,"tfa_he":13575,"tw":13575,"age":47,"inc":33933,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":75,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":5085,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25099,"net_nifa":24699,"tfa":42299,"net_tfa":41899,"tfa_he":41899,"tw":41899,"age":45,"inc":28500,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":41899,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":78000,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":12500,"age":31,"inc":20565,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32,"net_nifa":-4968,"tfa":32,"net_tfa":-4968,"tfa_he":-4968,"tw":-2468,"age":29,"inc":19140,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4968,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-850,"tfa":150,"net_tfa":-850,"tfa_he":-850,"tw":1650,"age":28,"inc":30015,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":32500,"hequity":192500,"nifa":129120,"net_nifa":129120,"tfa":129120,"net_tfa":129120,"tfa_he":321620,"tw":350445,"age":49,"inc":47019,"fsize":3,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":129120,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5300,"net_nifa":5200,"tfa":5300,"net_tfa":5200,"tfa_he":5200,"tw":10625,"age":59,"inc":6876,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":5200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-875,"tfa":25,"net_tfa":-875,"tfa_he":-875,"tw":-875,"age":43,"inc":23892,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-875,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-4975,"tfa":125,"net_tfa":-4975,"tfa_he":-4975,"tw":25,"age":27,"inc":26259,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4975,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":38,"inc":15321,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":93000,"hequity":0,"nifa":3000,"net_nifa":-14000,"tfa":3000,"net_tfa":-14000,"tfa_he":-14000,"tw":1900,"age":49,"inc":89100,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":325,"tfa":10325,"net_tfa":10325,"tfa_he":10325,"tw":10325,"age":56,"inc":1188,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.11738,"net_n401":10325,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":5000,"net_nifa":2600,"tfa":5000,"net_tfa":2600,"tfa_he":77600,"tw":93950,"age":61,"inc":16056,"fsize":5,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":2600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30000,"a401":0,"hval":300000,"hmort":69500,"hequity":230500,"nifa":20900,"net_nifa":20700,"tfa":50900,"net_tfa":50700,"tfa_he":281200,"tw":281200,"age":50,"inc":76260,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":50700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":2805,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3010,"net_nifa":2610,"tfa":3010,"net_tfa":2610,"tfa_he":2610,"tw":5960,"age":43,"inc":25200,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2610,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":122000,"hmort":2000,"hequity":120000,"nifa":4000,"net_nifa":3600,"tfa":4000,"net_tfa":3600,"tfa_he":123600,"tw":123600,"age":31,"inc":31800,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":80000,"tw":87350,"age":57,"inc":13362,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3800,"a401":0,"hval":80000,"hmort":42000,"hequity":38000,"nifa":5659,"net_nifa":1159,"tfa":9459,"net_tfa":4959,"tfa_he":42959,"tw":44459,"age":36,"inc":26640,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":4959,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":970,"a401":0,"hval":130000,"hmort":122000,"hequity":8000,"nifa":10,"net_nifa":-1240,"tfa":980,"net_tfa":-270,"tfa_he":7730,"tw":65905,"age":32,"inc":42987,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":-270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":53000,"hequity":12000,"nifa":3000,"net_nifa":3000,"tfa":12000,"net_tfa":12000,"tfa_he":24000,"tw":32000,"age":30,"inc":37101,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-128,"tfa":0,"net_tfa":-128,"tfa_he":-128,"tw":-128,"age":32,"inc":22080,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-128,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":14999,"net_nifa":14999,"tfa":44999,"net_tfa":44999,"tfa_he":124999,"tw":125999,"age":51,"inc":17700,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":44999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":1250,"age":28,"inc":10500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4,"net_nifa":-11566,"tfa":4,"net_tfa":-11566,"tfa_he":-11566,"tw":-11566,"age":34,"inc":45288,"fsize":2,"educ":14,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-11566,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":-5150,"tfa":450,"net_tfa":-5150,"tfa_he":-5150,"tw":-3000,"age":43,"inc":17520,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-5150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":150000,"hequity":90000,"nifa":7025,"net_nifa":6672,"tfa":7025,"net_tfa":6672,"tfa_he":96672,"tw":110876,"age":57,"inc":27180,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":6672,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":67150,"net_nifa":58900,"tfa":97150,"net_tfa":88900,"tfa_he":148900,"tw":170900,"age":61,"inc":83301,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":88900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":159000,"hmort":10000,"hequity":149000,"nifa":75000,"net_nifa":75000,"tfa":75000,"net_tfa":75000,"tfa_he":224000,"tw":224000,"age":55,"inc":60705,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":75000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":12000,"hmort":13293,"hequity":-1293,"nifa":85,"net_nifa":-10946,"tfa":85,"net_tfa":-10946,"tfa_he":-12239,"tw":-12001,"age":64,"inc":33651,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-10946,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":28000,"hequity":22000,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":21100,"tw":21100,"age":35,"inc":28755,"fsize":7,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1350,"age":31,"inc":25845,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":49,"inc":20430,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25500,"a401":0,"hval":120000,"hmort":67000,"hequity":53000,"nifa":254000,"net_nifa":250650,"tfa":279500,"net_tfa":276150,"tfa_he":329150,"tw":337150,"age":60,"inc":53277,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":276150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-500,"tfa":1400,"net_tfa":-500,"tfa_he":-500,"tw":950,"age":29,"inc":13272,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":1849,"net_nifa":-601,"tfa":1849,"net_tfa":-601,"tfa_he":44399,"tw":49249,"age":46,"inc":22410,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-601,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":48590,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":6259,"net_nifa":6259,"tfa":54849,"net_tfa":54849,"tfa_he":109849,"tw":109849,"age":55,"inc":26193,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":54849,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":68000,"hmort":68000,"hequity":0,"nifa":618,"net_nifa":384,"tfa":618,"net_tfa":384,"tfa_he":384,"tw":7127,"age":29,"inc":7977,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":384,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1600,"net_tfa":1600,"tfa_he":1600,"tw":4100,"age":36,"inc":31869,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":0,"hequity":44000,"nifa":9599,"net_nifa":5599,"tfa":9599,"net_tfa":5599,"tfa_he":49599,"tw":49599,"age":64,"inc":21372,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":5599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":0,"hval":74000,"hmort":20000,"hequity":54000,"nifa":20799,"net_nifa":20799,"tfa":31799,"net_tfa":31799,"tfa_he":85799,"tw":93799,"age":60,"inc":23568,"fsize":3,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.4721,"net_n401":31799,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":27,"inc":16200,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":146000,"hmort":146000,"hequity":0,"nifa":5029,"net_nifa":5029,"tfa":7529,"net_tfa":7529,"tfa_he":7529,"tw":7529,"age":38,"inc":9480,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.1432,"net_n401":7529,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1249,"net_nifa":1249,"tfa":1249,"net_tfa":1249,"tfa_he":1249,"tw":6249,"age":27,"inc":28575,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1249,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":15000,"hequity":30000,"nifa":9249,"net_nifa":9249,"tfa":9249,"net_tfa":9249,"tfa_he":39249,"tw":66849,"age":57,"inc":16305,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":9249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8500,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":9000,"net_nifa":5000,"tfa":17500,"net_tfa":13500,"tfa_he":63500,"tw":70500,"age":44,"inc":48300,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":13500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43500,"hmort":32800,"hequity":10700,"nifa":11000,"net_nifa":5800,"tfa":11000,"net_tfa":5800,"tfa_he":16500,"tw":26500,"age":38,"inc":13449,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":5800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":23601,"fsize":4,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":28,"inc":28806,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26900,"net_nifa":26900,"tfa":26900,"net_tfa":26900,"tfa_he":26900,"tw":26900,"age":32,"inc":38808,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":26900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":0,"net_nifa":-26,"tfa":0,"net_tfa":-26,"tfa_he":44974,"tw":47115,"age":62,"inc":11394,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-26,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":0,"hval":215000,"hmort":150000,"hequity":65000,"nifa":23000,"net_nifa":21402,"tfa":33000,"net_tfa":31402,"tfa_he":96402,"tw":533402,"age":38,"inc":55419,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":31402,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3900,"net_nifa":-11900,"tfa":3900,"net_tfa":-11900,"tfa_he":-11900,"tw":-6400,"age":32,"inc":69720,"fsize":3,"educ":15,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-11900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":86000,"hmort":79300,"hequity":6700,"nifa":1700,"net_nifa":-2300,"tfa":1700,"net_tfa":-2300,"tfa_he":4400,"tw":17400,"age":29,"inc":46839,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":49,"inc":15300,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":0,"tfa":2000,"net_tfa":0,"tfa_he":0,"tw":12000,"age":26,"inc":37476,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1025,"a401":0,"hval":250000,"hmort":15000,"hequity":235000,"nifa":5100,"net_nifa":5100,"tfa":6125,"net_tfa":6125,"tfa_he":241125,"tw":243625,"age":47,"inc":58407,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":6125,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":54000,"hequity":4000,"nifa":1400,"net_nifa":-3800,"tfa":1400,"net_tfa":-3800,"tfa_he":200,"tw":4200,"age":32,"inc":25224,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2700,"tfa":0,"net_tfa":-2700,"tfa_he":-2700,"tw":-2700,"age":37,"inc":32385,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-2700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":1800,"age":30,"inc":30342,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-5850,"tfa":150,"net_tfa":-5850,"tfa_he":-5850,"tw":-4184,"age":40,"inc":36015,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-5850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":10500,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3300,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":4200,"net_nifa":4200,"tfa":7500,"net_tfa":7500,"tfa_he":57500,"tw":282500,"age":34,"inc":48786,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":110000,"hmort":29000,"hequity":81000,"nifa":50040,"net_nifa":49840,"tfa":77040,"net_tfa":76840,"tfa_he":157840,"tw":180540,"age":61,"inc":52854,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":76840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":68000,"hmort":22000,"hequity":46000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":46000,"tw":46000,"age":38,"inc":99996,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":186000,"hmort":33750,"hequity":152250,"nifa":3499,"net_nifa":3499,"tfa":3499,"net_tfa":3499,"tfa_he":155749,"tw":159099,"age":56,"inc":14748,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":3499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":89000,"hmort":72000,"hequity":17000,"nifa":3459,"net_nifa":2259,"tfa":3459,"net_tfa":2259,"tfa_he":19259,"tw":20559,"age":48,"inc":44361,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2259,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":53,"inc":14994,"fsize":1,"educ":2,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":0,"hval":140000,"hmort":850,"hequity":139150,"nifa":60500,"net_nifa":60500,"tfa":97500,"net_tfa":97500,"tfa_he":236650,"tw":726650,"age":41,"inc":57657,"fsize":3,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":95500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":210,"net_nifa":210,"tfa":210,"net_tfa":210,"tfa_he":210,"tw":15210,"age":29,"inc":20313,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":210,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-80,"tfa":0,"net_tfa":-80,"tfa_he":-80,"tw":420,"age":30,"inc":13980,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-80,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":49,"tw":49,"age":48,"inc":26958,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":49,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1398,"net_nifa":398,"tfa":1398,"net_tfa":398,"tfa_he":398,"tw":398,"age":41,"inc":38844,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":398,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":49000,"hequity":19000,"nifa":300,"net_nifa":-1450,"tfa":300,"net_tfa":-1450,"tfa_he":17550,"tw":20050,"age":38,"inc":30396,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-170,"tfa":0,"net_tfa":-170,"tfa_he":-170,"tw":-170,"age":43,"inc":15330,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-170,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":120,"net_nifa":-3880,"tfa":120,"net_tfa":-3880,"tfa_he":-3880,"tw":1362,"age":25,"inc":31803,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-3880,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":0,"net_nifa":-1950,"tfa":0,"net_tfa":-1950,"tfa_he":53050,"tw":61625,"age":63,"inc":14400,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-1950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":68800,"hequity":26200,"nifa":14733,"net_nifa":12633,"tfa":14733,"net_tfa":12633,"tfa_he":38833,"tw":38833,"age":25,"inc":49026,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":12633,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":10000,"hequity":15000,"nifa":0,"net_nifa":-1850,"tfa":0,"net_tfa":-1850,"tfa_he":13150,"tw":28950,"age":37,"inc":28065,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":48000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":97600,"hmort":0,"hequity":97600,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":97600,"tw":97600,"age":57,"inc":20091,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":60000,"hequity":25000,"nifa":100,"net_nifa":-30,"tfa":100,"net_tfa":-30,"tfa_he":24970,"tw":30970,"age":42,"inc":43350,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-30,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5600,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":23000,"net_nifa":22700,"tfa":28600,"net_tfa":28300,"tfa_he":178300,"tw":187150,"age":55,"inc":55752,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-3200,"tfa":0,"net_tfa":-3200,"tfa_he":26800,"tw":35300,"age":29,"inc":21840,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1900,"tfa":0,"net_tfa":-1900,"tfa_he":-1900,"tw":-1900,"age":38,"inc":25164,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":45000,"hequity":25000,"nifa":11234,"net_nifa":11234,"tfa":11234,"net_tfa":11234,"tfa_he":36234,"tw":37234,"age":54,"inc":8580,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":11234,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":7500,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":700,"tw":700,"age":37,"inc":27072,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":31000,"hmort":29000,"hequity":2000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":2100,"tw":2600,"age":60,"inc":17328,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3406,"net_nifa":-3244,"tfa":3406,"net_tfa":-3244,"tfa_he":-3244,"tw":2756,"age":25,"inc":16266,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-3244,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-7600,"tfa":5400,"net_tfa":-2600,"tfa_he":-2600,"tw":9400,"age":39,"inc":16200,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11816,"net_n401":-2600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8900,"tfa":0,"net_tfa":-8900,"tfa_he":-8900,"tw":-6950,"age":28,"inc":22500,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-8900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":30000,"hequity":85000,"nifa":375,"net_nifa":-12425,"tfa":375,"net_tfa":-12425,"tfa_he":72575,"tw":72575,"age":30,"inc":37800,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-12425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":127000,"hequity":58000,"nifa":1878,"net_nifa":-122,"tfa":1878,"net_tfa":-122,"tfa_he":57878,"tw":66548,"age":44,"inc":66579,"fsize":3,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":-122,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":79900,"hmort":0,"hequity":79900,"nifa":25699,"net_nifa":25699,"tfa":25699,"net_tfa":25699,"tfa_he":105599,"tw":105599,"age":52,"inc":30870,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":25699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-18000,"tfa":0,"net_tfa":-18000,"tfa_he":-18000,"tw":-17875,"age":26,"inc":37608,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-18000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52650,"hmort":52650,"hequity":0,"nifa":0,"net_nifa":-3720,"tfa":0,"net_tfa":-3720,"tfa_he":-3720,"tw":19280,"age":34,"inc":28935,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3720,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3700,"a401":0,"hval":55000,"hmort":42000,"hequity":13000,"nifa":1920,"net_nifa":1222,"tfa":5620,"net_tfa":4922,"tfa_he":17922,"tw":59922,"age":52,"inc":32826,"fsize":6,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":4922,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":0,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":12500,"age":33,"inc":6375,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":12000,"tfa":13000,"net_tfa":12000,"tfa_he":12000,"tw":13850,"age":34,"inc":19110,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":12000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":964,"net_nifa":964,"tfa":964,"net_tfa":964,"tfa_he":964,"tw":5436,"age":26,"inc":22305,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":964,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":3100,"net_nifa":-8005,"tfa":3100,"net_tfa":-8005,"tfa_he":71995,"tw":73995,"age":39,"inc":74649,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-8005,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":76000,"hequity":89000,"nifa":4000,"net_nifa":-5000,"tfa":4000,"net_tfa":-5000,"tfa_he":84000,"tw":84800,"age":48,"inc":45165,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2850,"age":38,"inc":17694,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":46000,"hequity":79000,"nifa":2900,"net_nifa":1580,"tfa":2900,"net_tfa":1580,"tfa_he":80580,"tw":84430,"age":40,"inc":15594,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":1580,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":37,"inc":18048,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":6900,"fsize":4,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2050,"a401":0,"hval":58000,"hmort":27000,"hequity":31000,"nifa":499,"net_nifa":-1,"tfa":2549,"net_tfa":2049,"tfa_he":33049,"tw":38249,"age":38,"inc":30003,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":2049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1100,"tfa":0,"net_tfa":-1100,"tfa_he":-1100,"tw":-300,"age":37,"inc":14850,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":25000,"hequity":20000,"nifa":11700,"net_nifa":11400,"tfa":11700,"net_tfa":11400,"tfa_he":31400,"tw":40300,"age":28,"inc":44376,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9999,"net_nifa":4299,"tfa":9999,"net_tfa":4299,"tfa_he":4299,"tw":23299,"age":55,"inc":36600,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":4299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":24000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67230,"net_nifa":67230,"tfa":91230,"net_tfa":91230,"tfa_he":91230,"tw":91980,"age":56,"inc":28260,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":91230,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":18423,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3700,"a401":0,"hval":80000,"hmort":75500,"hequity":4500,"nifa":18070,"net_nifa":6070,"tfa":21770,"net_tfa":9770,"tfa_he":14270,"tw":52270,"age":33,"inc":50862,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":9770,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":225000,"hmort":45000,"hequity":180000,"nifa":6000,"net_nifa":6000,"tfa":22500,"net_tfa":22500,"tfa_he":202500,"tw":242500,"age":61,"inc":64050,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":22500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":33,"inc":11196,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10300,"a401":0,"hval":18000,"hmort":18000,"hequity":0,"nifa":6000,"net_nifa":5500,"tfa":16300,"net_tfa":15800,"tfa_he":15800,"tw":33800,"age":35,"inc":21606,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.37883,"net_n401":15800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":26,"inc":10626,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":19500,"hequity":10500,"nifa":686,"net_nifa":686,"tfa":686,"net_tfa":686,"tfa_he":11186,"tw":12186,"age":36,"inc":19200,"fsize":3,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":686,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":130000,"hmort":45000,"hequity":85000,"nifa":15700,"net_nifa":15700,"tfa":23700,"net_tfa":23700,"tfa_he":108700,"tw":111875,"age":39,"inc":32100,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":23700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-700,"tfa":500,"net_tfa":-700,"tfa_he":-700,"tw":1238,"age":27,"inc":25500,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70000,"net_nifa":70000,"tfa":76000,"net_tfa":76000,"tfa_he":76000,"tw":76000,"age":64,"inc":30432,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":76000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":54000,"net_nifa":54000,"tfa":62000,"net_tfa":62000,"tfa_he":112000,"tw":118000,"age":57,"inc":82290,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":62000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":107000,"hmort":92000,"hequity":15000,"nifa":500,"net_nifa":0,"tfa":500,"net_tfa":0,"tfa_he":15000,"tw":15000,"age":40,"inc":53091,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":14813,"net_nifa":14813,"tfa":14813,"net_tfa":14813,"tfa_he":19813,"tw":28163,"age":64,"inc":6450,"fsize":3,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":14813,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":175000,"hmort":65000,"hequity":110000,"nifa":3500,"net_nifa":3500,"tfa":6000,"net_tfa":6000,"tfa_he":116000,"tw":136200,"age":46,"inc":58992,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":112,"net_nifa":112,"tfa":112,"net_tfa":112,"tfa_he":112,"tw":2912,"age":33,"inc":17796,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":112,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":1200,"tfa":2700,"net_tfa":1200,"tfa_he":1200,"tw":1200,"age":27,"inc":30195,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-450,"tfa":0,"net_tfa":-450,"tfa_he":-450,"tw":-450,"age":36,"inc":10200,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":32173,"hequity":12827,"nifa":160,"net_nifa":-9176,"tfa":160,"net_tfa":-9176,"tfa_he":3651,"tw":16280,"age":37,"inc":35730,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-9176,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":23970,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":10000,"hequity":22000,"nifa":0,"net_nifa":-57200,"tfa":0,"net_tfa":-57200,"tfa_he":-35200,"tw":-35200,"age":47,"inc":10542,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-57200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":32000,"hequity":0,"nifa":2500,"net_nifa":-3500,"tfa":2500,"net_tfa":-3500,"tfa_he":-3500,"tw":14625,"age":41,"inc":18675,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-3500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":850,"net_nifa":-3050,"tfa":850,"net_tfa":-3050,"tfa_he":-3050,"tw":-50,"age":25,"inc":18999,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3050,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2210,"net_nifa":-790,"tfa":2210,"net_tfa":-790,"tfa_he":-790,"tw":-790,"age":49,"inc":40512,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-790,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":6,"tfa":6,"net_tfa":6,"tfa_he":6,"tw":2506,"age":26,"inc":15219,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":6,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":37500,"net_nifa":35000,"tfa":37500,"net_tfa":35000,"tfa_he":95000,"tw":95000,"age":43,"inc":38490,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":35000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-800,"tfa":700,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":58,"inc":4242,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-800,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":30000,"net_nifa":26000,"tfa":30000,"net_tfa":26000,"tfa_he":176000,"tw":180000,"age":40,"inc":52998,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5450,"net_nifa":4400,"tfa":5450,"net_tfa":4400,"tfa_he":4400,"tw":4400,"age":32,"inc":34233,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":4400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1909,"net_nifa":1709,"tfa":1909,"net_tfa":1709,"tfa_he":1709,"tw":2709,"age":27,"inc":17706,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1709,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":-1000,"age":31,"inc":5358,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-2500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":6649,"net_nifa":6649,"tfa":6649,"net_tfa":6649,"tfa_he":51649,"tw":53449,"age":61,"inc":14760,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":6649,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":154,"net_nifa":154,"tfa":154,"net_tfa":154,"tfa_he":154,"tw":4154,"age":25,"inc":28728,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":154,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":41000,"hequity":22000,"nifa":1399,"net_nifa":-5951,"tfa":1399,"net_tfa":-5951,"tfa_he":16049,"tw":18049,"age":47,"inc":16407,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-5951,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19800,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":2062,"net_nifa":2062,"tfa":21862,"net_tfa":21862,"tfa_he":91862,"tw":92362,"age":46,"inc":44220,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":21862,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":51,"inc":21969,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":18000,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":30,"inc":19446,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":71500,"hequity":3500,"nifa":5700,"net_nifa":-40300,"tfa":5700,"net_tfa":-40300,"tfa_he":-36800,"tw":-29150,"age":28,"inc":51660,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-40300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":25,"tfa":25,"net_tfa":25,"tfa_he":25,"tw":2191,"age":34,"inc":12291,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":25,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-200,"tfa":1200,"net_tfa":800,"tfa_he":800,"tw":4300,"age":29,"inc":17595,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":68300,"hequity":26700,"nifa":638,"net_nifa":-9362,"tfa":638,"net_tfa":-9362,"tfa_he":17338,"tw":17338,"age":30,"inc":39948,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-9362,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":800,"net_nifa":500,"tfa":800,"net_tfa":500,"tfa_he":50500,"tw":50500,"age":38,"inc":28050,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":20000,"hmort":14000,"hequity":6000,"nifa":0,"net_nifa":-1000,"tfa":13000,"net_tfa":12000,"tfa_he":18000,"tw":18375,"age":35,"inc":13704,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":12000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15000,"hequity":20000,"nifa":1152,"net_nifa":1152,"tfa":1152,"net_tfa":1152,"tfa_he":21152,"tw":24702,"age":61,"inc":23562,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":1152,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":4825,"age":26,"inc":20430,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":100000,"hequity":85000,"nifa":60015,"net_nifa":60015,"tfa":60015,"net_tfa":60015,"tfa_he":145015,"tw":145015,"age":37,"inc":26550,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":60015,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":200000,"hmort":90000,"hequity":110000,"nifa":5900,"net_nifa":5750,"tfa":23900,"net_tfa":23750,"tfa_he":133750,"tw":146555,"age":63,"inc":80796,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":23750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":37000,"hmort":31000,"hequity":6000,"nifa":100,"net_nifa":100,"tfa":2600,"net_tfa":2600,"tfa_he":8600,"tw":11100,"age":34,"inc":4350,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.1432,"net_n401":2600,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":14000,"hequity":8000,"nifa":0,"net_nifa":-1208,"tfa":0,"net_tfa":-1208,"tfa_he":6792,"tw":13535,"age":60,"inc":10665,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-1208,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":127999,"tw":127999,"age":60,"inc":18402,"fsize":5,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":2999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":35000,"hequity":40000,"nifa":5000,"net_nifa":-4000,"tfa":5000,"net_tfa":-4000,"tfa_he":36000,"tw":36000,"age":40,"inc":50076,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":35,"inc":27792,"fsize":5,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":90000,"hmort":55000,"hequity":35000,"nifa":12500,"net_nifa":12500,"tfa":15000,"net_tfa":15000,"tfa_he":50000,"tw":65000,"age":40,"inc":41535,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":13000,"hmort":13000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":37,"inc":17580,"fsize":5,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":28500,"hequity":16500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":16500,"tw":16500,"age":36,"inc":3246,"fsize":3,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-2400,"tfa":600,"net_tfa":-2400,"tfa_he":-2400,"tw":-2400,"age":36,"inc":30837,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":150,"tw":150,"age":29,"inc":25209,"fsize":5,"educ":2,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":35000,"tw":35500,"age":42,"inc":10200,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":3355,"age":31,"inc":16560,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":5,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":27000,"hequity":0,"nifa":2952,"net_nifa":1152,"tfa":2952,"net_tfa":1152,"tfa_he":1152,"tw":17752,"age":48,"inc":26349,"fsize":3,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":1152,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1300,"age":30,"inc":22722,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-1370,"tfa":30,"net_tfa":-1370,"tfa_he":-1370,"tw":900,"age":27,"inc":12093,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1370,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":3000,"hequity":3000,"nifa":380,"net_nifa":-120,"tfa":380,"net_tfa":-120,"tfa_he":2880,"tw":2680,"age":26,"inc":15450,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-120,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":130000,"hequity":15000,"nifa":2550,"net_nifa":-19450,"tfa":2550,"net_tfa":-19450,"tfa_he":-4450,"tw":1229,"age":28,"inc":68229,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-19450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1600,"tfa":200,"net_tfa":-1600,"tfa_he":-1600,"tw":-175,"age":45,"inc":33840,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":29000,"hmort":0,"hequity":29000,"nifa":800,"net_nifa":-6298,"tfa":800,"net_tfa":-6298,"tfa_he":22702,"tw":23482,"age":56,"inc":29856,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-6298,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":93000,"hequity":27000,"nifa":10378,"net_nifa":10378,"tfa":10378,"net_tfa":10378,"tfa_he":37378,"tw":44478,"age":39,"inc":21996,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":10378,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":888,"net_nifa":-11312,"tfa":888,"net_tfa":-11312,"tfa_he":-11312,"tw":-9233,"age":29,"inc":26418,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-11312,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":300000,"hmort":70000,"hequity":230000,"nifa":80000,"net_nifa":80000,"tfa":82500,"net_tfa":82500,"tfa_he":312500,"tw":317958,"age":58,"inc":34800,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":82500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":28000,"hequity":32000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":32000,"tw":32300,"age":39,"inc":12132,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2029,"net_nifa":2029,"tfa":2029,"net_tfa":2029,"tfa_he":2029,"tw":2029,"age":53,"inc":19956,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":2029,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":20000,"net_nifa":18450,"tfa":20000,"net_tfa":18450,"tfa_he":138450,"tw":144450,"age":53,"inc":22614,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":18450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":30,"inc":8247,"fsize":4,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":19850,"hequity":80150,"nifa":69600,"net_nifa":58100,"tfa":69600,"net_tfa":58100,"tfa_he":138250,"tw":243828,"age":63,"inc":74199,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":58100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72000,"hmort":72000,"hequity":0,"nifa":400,"net_nifa":200,"tfa":400,"net_tfa":200,"tfa_he":200,"tw":4200,"age":47,"inc":20400,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":6600,"hequity":3400,"nifa":0,"net_nifa":-1100,"tfa":0,"net_tfa":-1100,"tfa_he":2300,"tw":11140,"age":53,"inc":4950,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-1100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":86000,"hmort":22000,"hequity":64000,"nifa":40748,"net_nifa":6548,"tfa":40748,"net_tfa":6548,"tfa_he":70548,"tw":70548,"age":51,"inc":45003,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":6548,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":9253,"age":31,"inc":26862,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":10800,"net_nifa":4600,"tfa":10800,"net_tfa":4600,"tfa_he":154600,"tw":161600,"age":48,"inc":70368,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":45000,"hequity":35000,"nifa":150,"net_nifa":-14850,"tfa":150,"net_tfa":-14850,"tfa_he":20150,"tw":20150,"age":46,"inc":25500,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-14850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65050,"hmort":65050,"hequity":0,"nifa":2000,"net_nifa":-15600,"tfa":2000,"net_tfa":-15600,"tfa_he":-15600,"tw":-2600,"age":30,"inc":57996,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-15600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":18200,"hequity":46800,"nifa":5500,"net_nifa":4800,"tfa":5500,"net_tfa":4800,"tfa_he":51600,"tw":51600,"age":60,"inc":16140,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":4800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":3300,"tfa":13500,"net_tfa":13300,"tfa_he":13300,"tw":23150,"age":49,"inc":9660,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.22468,"net_n401":13300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1525,"net_nifa":775,"tfa":5325,"net_tfa":4575,"tfa_he":4575,"tw":7575,"age":40,"inc":13170,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":4575,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":31000,"hequity":34000,"nifa":400,"net_nifa":-600,"tfa":400,"net_tfa":-600,"tfa_he":33400,"tw":38400,"age":44,"inc":47250,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-3400,"tfa":400,"net_tfa":-3400,"tfa_he":-3400,"tw":8933,"age":27,"inc":21900,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":31700,"age":50,"inc":18729,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20800,"a401":0,"hval":62000,"hmort":48000,"hequity":14000,"nifa":52800,"net_nifa":48300,"tfa":73600,"net_tfa":69100,"tfa_he":83100,"tw":111100,"age":52,"inc":62526,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":69100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":90000,"hequity":15000,"nifa":17699,"net_nifa":16199,"tfa":17699,"net_tfa":16199,"tfa_he":31199,"tw":36557,"age":39,"inc":50250,"fsize":4,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":16199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3825,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":-2000,"tfa":3825,"net_tfa":1825,"tfa_he":66825,"tw":71825,"age":28,"inc":30900,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":1825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":5000,"net_nifa":4500,"tfa":5000,"net_tfa":4500,"tfa_he":44500,"tw":87500,"age":53,"inc":50700,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":0,"hval":40000,"hmort":15000,"hequity":25000,"nifa":5498,"net_nifa":-502,"tfa":35498,"net_tfa":29498,"tfa_he":54498,"tw":68398,"age":39,"inc":54315,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":29498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":24999,"net_nifa":24999,"tfa":24999,"net_tfa":24999,"tfa_he":224999,"tw":224999,"age":49,"inc":63396,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":24999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":11340,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":44900,"hequity":35100,"nifa":0,"net_nifa":-8800,"tfa":0,"net_tfa":-8800,"tfa_he":26300,"tw":30300,"age":33,"inc":30828,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-8800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":31110,"hmort":28000,"hequity":3110,"nifa":100,"net_nifa":-380,"tfa":100,"net_tfa":-380,"tfa_he":2730,"tw":4730,"age":33,"inc":28575,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-380,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":165,"net_nifa":-735,"tfa":165,"net_tfa":-735,"tfa_he":-735,"tw":2944,"age":25,"inc":17853,"fsize":3,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-735,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":29578,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16667,"net_nifa":12667,"tfa":46245,"net_tfa":42245,"tfa_he":42245,"tw":49745,"age":39,"inc":57201,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":42245,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":28849,"net_nifa":28649,"tfa":28849,"net_tfa":28649,"tfa_he":103649,"tw":118145,"age":60,"inc":28875,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":28649,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":24000,"hequity":6000,"nifa":5748,"net_nifa":5748,"tfa":5748,"net_tfa":5748,"tfa_he":11748,"tw":11748,"age":51,"inc":20193,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":5748,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":77000,"hequity":8000,"nifa":9999,"net_nifa":9199,"tfa":9999,"net_tfa":9199,"tfa_he":17199,"tw":17199,"age":49,"inc":101946,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":9199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":79200,"net_nifa":76970,"tfa":96200,"net_tfa":93970,"tfa_he":243970,"tw":333970,"age":45,"inc":34644,"fsize":3,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":93970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":625,"net_nifa":-112,"tfa":625,"net_tfa":-112,"tfa_he":-112,"tw":638,"age":52,"inc":11751,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-112,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5008,"net_nifa":-3592,"tfa":5008,"net_tfa":-3592,"tfa_he":-3592,"tw":-2098,"age":31,"inc":16020,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-3592,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":0,"hequity":42000,"nifa":30,"net_nifa":-3070,"tfa":30,"net_tfa":-3070,"tfa_he":38930,"tw":39118,"age":34,"inc":13707,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-3070,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":1100,"net_nifa":1100,"tfa":1100,"net_tfa":1100,"tfa_he":66100,"tw":72300,"age":60,"inc":30639,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":5000,"hequity":45000,"nifa":300,"net_nifa":-2650,"tfa":300,"net_tfa":-2650,"tfa_he":42350,"tw":52350,"age":38,"inc":29481,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-2650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":400,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":39999,"net_nifa":39174,"tfa":40399,"net_tfa":39574,"tfa_he":84574,"tw":134974,"age":60,"inc":30780,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":39574,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":31499,"net_nifa":30799,"tfa":31499,"net_tfa":30799,"tfa_he":85799,"tw":85799,"age":53,"inc":35340,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":30799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":4000,"hequity":23000,"nifa":78998,"net_nifa":77098,"tfa":78998,"net_tfa":77098,"tfa_he":100098,"tw":100098,"age":49,"inc":21396,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":77098,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":21000,"hequity":59000,"nifa":500,"net_nifa":-4500,"tfa":500,"net_tfa":-4500,"tfa_he":54500,"tw":61243,"age":39,"inc":24375,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-11300,"tfa":0,"net_tfa":-11300,"tfa_he":-11300,"tw":-3300,"age":34,"inc":50400,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-11300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13697,"net_nifa":13697,"tfa":13697,"net_tfa":13697,"tfa_he":13697,"tw":30697,"age":33,"inc":32442,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":13697,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":46,"inc":43200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8,"net_nifa":8,"tfa":8,"net_tfa":8,"tfa_he":8,"tw":508,"age":27,"inc":15615,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":8,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-14500,"tfa":500,"net_tfa":-14500,"tfa_he":-14500,"tw":-11000,"age":26,"inc":14670,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-14500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":200,"age":30,"inc":19380,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3800,"net_nifa":3800,"tfa":3800,"net_tfa":3800,"tfa_he":3800,"tw":4700,"age":36,"inc":21402,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":3800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":6993,"age":44,"inc":7962,"fsize":6,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":131000,"hequity":19000,"nifa":9050,"net_nifa":7455,"tfa":9050,"net_tfa":7455,"tfa_he":26455,"tw":38328,"age":40,"inc":68850,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":7455,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1510,"net_nifa":1510,"tfa":4310,"net_tfa":4310,"tfa_he":4310,"tw":12335,"age":50,"inc":22263,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":4310,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8800,"tfa":0,"net_tfa":-8800,"tfa_he":-8800,"tw":-4800,"age":35,"inc":23880,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-8800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":42000,"hequity":33000,"nifa":200,"net_nifa":-1800,"tfa":200,"net_tfa":-1800,"tfa_he":31200,"tw":31200,"age":33,"inc":49428,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":770,"net_nifa":270,"tfa":770,"net_tfa":270,"tfa_he":270,"tw":270,"age":41,"inc":36162,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":270,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-9000,"tfa":0,"net_tfa":-9000,"tfa_he":-9000,"tw":-7500,"age":37,"inc":28320,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-9000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":34,"inc":6480,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":3955,"tfa":4000,"net_tfa":3955,"tfa_he":3955,"tw":8180,"age":31,"inc":23562,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":3955,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":11983,"net_nifa":11983,"tfa":11983,"net_tfa":11983,"tfa_he":51983,"tw":58833,"age":62,"inc":20970,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":11983,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":26400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":5796,"age":37,"inc":18000,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26359,"a401":0,"hval":300000,"hmort":100000,"hequity":200000,"nifa":5154,"net_nifa":-6846,"tfa":31513,"net_tfa":19513,"tfa_he":219513,"tw":228013,"age":54,"inc":36636,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":19513,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":26,"inc":17850,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":65000,"hmort":20000,"hequity":45000,"nifa":61211,"net_nifa":-338789,"tfa":63211,"net_tfa":-336789,"tfa_he":-291789,"tw":-201789,"age":55,"inc":46221,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":-336789,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":18200,"net_nifa":18200,"tfa":18200,"net_tfa":18200,"tfa_he":118200,"tw":118200,"age":53,"inc":34920,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":18200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":34999,"net_nifa":34999,"tfa":45999,"net_tfa":45999,"tfa_he":245999,"tw":386874,"age":34,"inc":51162,"fsize":3,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":45999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":52,"inc":20574,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":10100,"tw":10100,"age":42,"inc":25710,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":59425,"age":42,"inc":17034,"fsize":1,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":60000,"hequity":15000,"nifa":12923,"net_nifa":12923,"tfa":12923,"net_tfa":12923,"tfa_he":27923,"tw":36923,"age":33,"inc":30552,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":12923,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":47280,"net_nifa":47280,"tfa":47280,"net_tfa":47280,"tfa_he":177280,"tw":183880,"age":41,"inc":35166,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":47280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":10890,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":48,"inc":17088,"fsize":3,"educ":6,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":35,"inc":9600,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":161000,"hmort":150000,"hequity":11000,"nifa":685,"net_nifa":-1365,"tfa":11685,"net_tfa":9635,"tfa_he":20635,"tw":20635,"age":56,"inc":23952,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":9635,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":25000,"hequity":5000,"nifa":0,"net_nifa":-1300,"tfa":0,"net_tfa":-1300,"tfa_he":3700,"tw":20275,"age":30,"inc":2520,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":-1300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2607,"net_nifa":2607,"tfa":2607,"net_tfa":2607,"tfa_he":2607,"tw":3107,"age":26,"inc":16557,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2607,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22640,"a401":0,"hval":64500,"hmort":64500,"hequity":0,"nifa":2700,"net_nifa":-1800,"tfa":25340,"net_tfa":20840,"tfa_he":20840,"tw":25340,"age":48,"inc":91230,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":20840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2300,"a401":0,"hval":190000,"hmort":130000,"hequity":60000,"nifa":6498,"net_nifa":6498,"tfa":8798,"net_tfa":8798,"tfa_he":68798,"tw":70173,"age":44,"inc":83499,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":8798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4500,"tfa":4500,"net_tfa":4500,"tfa_he":4500,"tw":11850,"age":29,"inc":23100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":32600,"hequity":9400,"nifa":0,"net_nifa":-1150,"tfa":0,"net_tfa":-1150,"tfa_he":8250,"tw":13890,"age":36,"inc":26094,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":60000,"net_nifa":56500,"tfa":60000,"net_tfa":56500,"tfa_he":206500,"tw":206500,"age":39,"inc":100692,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":56500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30799,"net_nifa":30499,"tfa":30799,"net_tfa":30499,"tfa_he":30499,"tw":32831,"age":26,"inc":46431,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":30499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":73000,"hequity":7000,"nifa":12499,"net_nifa":12499,"tfa":12499,"net_tfa":12499,"tfa_he":19499,"tw":19499,"age":54,"inc":39150,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":12499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1476,"net_nifa":-7524,"tfa":1476,"net_tfa":-7524,"tfa_he":-7524,"tw":-6012,"age":37,"inc":50304,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-7524,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":0,"net_nifa":-16000,"tfa":0,"net_tfa":-16000,"tfa_he":84000,"tw":84000,"age":54,"inc":27858,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-16000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":120000,"hequity":30000,"nifa":5000,"net_nifa":2500,"tfa":5000,"net_tfa":2500,"tfa_he":32500,"tw":34000,"age":27,"inc":54300,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3500,"tfa":0,"net_tfa":-3500,"tfa_he":-3500,"tw":11500,"age":42,"inc":71046,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-3500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2050,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":6000,"net_nifa":6000,"tfa":8050,"net_tfa":8050,"tfa_he":78050,"tw":82400,"age":41,"inc":22335,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":8050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-24900,"tfa":300,"net_tfa":-24900,"tfa_he":-24900,"tw":-24150,"age":35,"inc":40005,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-24900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":107000,"hmort":88000,"hequity":19000,"nifa":24600,"net_nifa":24400,"tfa":27600,"net_tfa":27400,"tfa_he":46400,"tw":58454,"age":44,"inc":43200,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":27400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":22000,"hequity":8000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":8050,"tw":8050,"age":45,"inc":28560,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":3000,"net_nifa":-57000,"tfa":3000,"net_tfa":-57000,"tfa_he":-52000,"tw":68000,"age":45,"inc":34680,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-57000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":-1500,"tw":0,"age":39,"inc":17097,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":62500,"hequity":12500,"nifa":5157,"net_nifa":-10843,"tfa":5157,"net_tfa":-10843,"tfa_he":1657,"tw":17657,"age":42,"inc":54963,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10843,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":25000,"hequity":100000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":100000,"tw":100000,"age":56,"inc":8670,"fsize":3,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72000,"hmort":65000,"hequity":7000,"nifa":11449,"net_nifa":11349,"tfa":15449,"net_tfa":15349,"tfa_he":22349,"tw":95349,"age":47,"inc":30435,"fsize":7,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":11349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7499,"net_nifa":4999,"tfa":7499,"net_tfa":4999,"tfa_he":4999,"tw":7999,"age":43,"inc":5400,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":4999,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":89000,"hequity":11000,"nifa":3049,"net_nifa":2049,"tfa":3049,"net_tfa":2049,"tfa_he":13049,"tw":13049,"age":40,"inc":59523,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":662,"net_nifa":-4928,"tfa":662,"net_tfa":-4928,"tfa_he":72,"tw":20701,"age":33,"inc":33180,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-4928,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5500,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":910,"net_nifa":607,"tfa":6410,"net_tfa":6107,"tfa_he":6107,"tw":6107,"age":52,"inc":26412,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":6107,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7499,"net_nifa":6299,"tfa":7499,"net_tfa":6299,"tfa_he":6299,"tw":6799,"age":48,"inc":30450,"fsize":1,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":6299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":69000,"hequity":51000,"nifa":6900,"net_nifa":3800,"tfa":6900,"net_tfa":3800,"tfa_he":54800,"tw":121800,"age":43,"inc":44934,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-29980,"tfa":20,"net_tfa":-29980,"tfa_he":-29980,"tw":-24037,"age":49,"inc":22980,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-29980,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":1284,"net_nifa":-12606,"tfa":6284,"net_tfa":-7606,"tfa_he":10394,"tw":17894,"age":49,"inc":26400,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":-7606,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":150000,"hequity":135000,"nifa":30480,"net_nifa":29880,"tfa":30480,"net_tfa":29880,"tfa_he":164880,"tw":186780,"age":49,"inc":95460,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":29880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":0,"hval":90000,"hmort":18000,"hequity":72000,"nifa":18595,"net_nifa":18395,"tfa":21595,"net_tfa":21395,"tfa_he":93395,"tw":126395,"age":54,"inc":29781,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":21395,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":8000,"hequity":-2000,"nifa":2600,"net_nifa":1800,"tfa":2600,"net_tfa":1800,"tfa_he":-200,"tw":3466,"age":45,"inc":14850,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":1319,"net_nifa":1319,"tfa":1319,"net_tfa":1319,"tfa_he":26319,"tw":26819,"age":56,"inc":4398,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":1319,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3137,"net_nifa":3137,"tfa":3137,"net_tfa":3137,"tfa_he":3137,"tw":13137,"age":37,"inc":14085,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":3137,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112000,"hmort":105000,"hequity":7000,"nifa":7800,"net_nifa":-200,"tfa":7800,"net_tfa":-200,"tfa_he":6800,"tw":12800,"age":43,"inc":89175,"fsize":3,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":52000,"hequity":23000,"nifa":1499,"net_nifa":-6901,"tfa":1499,"net_tfa":-6901,"tfa_he":16099,"tw":37599,"age":38,"inc":55434,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":200,"tfa":600,"net_tfa":200,"tfa_he":200,"tw":200,"age":31,"inc":16560,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":69500,"hequity":75500,"nifa":5000,"net_nifa":4000,"tfa":5000,"net_tfa":4000,"tfa_he":79500,"tw":83500,"age":41,"inc":46719,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-8250,"tfa":200,"net_tfa":-8250,"tfa_he":-8250,"tw":-8250,"age":40,"inc":23370,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-8250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":7322,"tfa":7500,"net_tfa":7322,"tfa_he":7322,"tw":12622,"age":37,"inc":20142,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":7322,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":60,"inc":6312,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":25000,"hequity":10000,"nifa":0,"net_nifa":-4250,"tfa":0,"net_tfa":-4250,"tfa_he":5750,"tw":22803,"age":52,"inc":12966,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-4250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":48000,"hequity":28000,"nifa":3000,"net_nifa":-100,"tfa":3000,"net_tfa":-100,"tfa_he":27900,"tw":27900,"age":31,"inc":25803,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":1000,"net_nifa":500,"tfa":2000,"net_tfa":1500,"tfa_he":126500,"tw":147500,"age":38,"inc":108054,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4550,"a401":0,"hval":175000,"hmort":106750,"hequity":68250,"nifa":3215,"net_nifa":3215,"tfa":7765,"net_tfa":7765,"tfa_he":76015,"tw":76015,"age":37,"inc":58143,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":7765,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":4000,"hequity":1000,"nifa":15,"net_nifa":-285,"tfa":15,"net_tfa":-285,"tfa_he":715,"tw":3975,"age":37,"inc":13464,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-285,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":60000,"hequity":80000,"nifa":2499,"net_nifa":2186,"tfa":2499,"net_tfa":2186,"tfa_he":82186,"tw":91298,"age":40,"inc":33696,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":2186,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":9400,"hequity":12600,"nifa":0,"net_nifa":-12000,"tfa":0,"net_tfa":-12000,"tfa_he":600,"tw":4600,"age":32,"inc":25305,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-12000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":150000,"hmort":120000,"hequity":30000,"nifa":9999,"net_nifa":9999,"tfa":14999,"net_tfa":14999,"tfa_he":44999,"tw":51999,"age":44,"inc":27411,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":14999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-6400,"tfa":800,"net_tfa":-6400,"tfa_he":-6400,"tw":-4900,"age":31,"inc":26235,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-6400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9500,"a401":0,"hval":250000,"hmort":128000,"hequity":122000,"nifa":24918,"net_nifa":24918,"tfa":34418,"net_tfa":34418,"tfa_he":156418,"tw":157918,"age":32,"inc":169404,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":34418,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":75000,"hequity":225000,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":226700,"tw":234650,"age":42,"inc":29475,"fsize":5,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":45000,"hequity":10000,"nifa":8500,"net_nifa":50,"tfa":8500,"net_tfa":50,"tfa_he":10050,"tw":11050,"age":45,"inc":24300,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":65000,"tw":65000,"age":46,"inc":17490,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":60000,"hequity":10000,"nifa":50,"net_nifa":-1150,"tfa":50,"net_tfa":-1150,"tfa_he":8850,"tw":8850,"age":44,"inc":16806,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4068,"a401":0,"hval":64000,"hmort":64000,"hequity":0,"nifa":3900,"net_nifa":2300,"tfa":7968,"net_tfa":6368,"tfa_he":6368,"tw":16068,"age":31,"inc":62730,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":6368,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1400,"age":41,"inc":10044,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":60000,"hequity":6000,"nifa":300,"net_nifa":-2450,"tfa":300,"net_tfa":-2450,"tfa_he":3550,"tw":33550,"age":30,"inc":15300,"fsize":4,"educ":6,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2450,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":37000,"hmort":0,"hequity":37000,"nifa":0,"net_nifa":-1050,"tfa":0,"net_tfa":-1050,"tfa_he":35950,"tw":36950,"age":33,"inc":9288,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-1050,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":106000,"tw":118725,"age":35,"inc":15336,"fsize":5,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":6000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1295,"net_nifa":1295,"tfa":1295,"net_tfa":1295,"tfa_he":1295,"tw":8070,"age":36,"inc":56160,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":1295,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3998,"net_nifa":2998,"tfa":3998,"net_tfa":2998,"tfa_he":2998,"tw":8998,"age":36,"inc":46422,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":2998,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19,"net_nifa":19,"tfa":19,"net_tfa":19,"tfa_he":19,"tw":19,"age":34,"inc":11091,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":19,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":19000,"a401":0,"hval":95000,"hmort":34000,"hequity":61000,"nifa":15249,"net_nifa":14649,"tfa":34249,"net_tfa":33649,"tfa_he":94649,"tw":151544,"age":53,"inc":42900,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":33649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45800,"hmort":45800,"hequity":0,"nifa":3100,"net_nifa":1300,"tfa":3100,"net_tfa":1300,"tfa_he":1300,"tw":1300,"age":40,"inc":25035,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":87000,"hequity":38000,"nifa":450,"net_nifa":-20050,"tfa":450,"net_tfa":-20050,"tfa_he":17950,"tw":26750,"age":43,"inc":74955,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-20050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":25100,"tw":25100,"age":52,"inc":8208,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":56500,"hequity":23500,"nifa":1550,"net_nifa":-3450,"tfa":1550,"net_tfa":-3450,"tfa_he":20050,"tw":24250,"age":39,"inc":29001,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-3450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":180000,"hmort":135000,"hequity":45000,"nifa":65000,"net_nifa":65000,"tfa":71000,"net_tfa":71000,"tfa_he":116000,"tw":122050,"age":47,"inc":35334,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":71000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2248,"net_nifa":2248,"tfa":2248,"net_tfa":2248,"tfa_he":2248,"tw":5248,"age":31,"inc":108135,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":2248,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-775,"tfa":25,"net_tfa":-775,"tfa_he":-775,"tw":5321,"age":44,"inc":23100,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-775,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":500,"net_nifa":-1500,"tfa":500,"net_tfa":-1500,"tfa_he":33500,"tw":36166,"age":53,"inc":21150,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":220000,"hmort":45000,"hequity":175000,"nifa":1360,"net_nifa":1360,"tfa":7360,"net_tfa":7360,"tfa_he":182360,"tw":182360,"age":42,"inc":30417,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":7360,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11500,"net_nifa":10400,"tfa":11500,"net_tfa":10400,"tfa_he":10400,"tw":18350,"age":28,"inc":13410,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":10400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7,"net_nifa":7,"tfa":7,"net_tfa":7,"tfa_he":7,"tw":7,"age":33,"inc":27303,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":7,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":22500,"hequity":27500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":27500,"tw":34000,"age":47,"inc":28200,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":59000,"hequity":11000,"nifa":300,"net_nifa":-4700,"tfa":300,"net_tfa":-4700,"tfa_he":6300,"tw":20300,"age":26,"inc":45900,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":14400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":36,"inc":12444,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":265000,"hmort":150000,"hequity":115000,"nifa":200,"net_nifa":-15800,"tfa":200,"net_tfa":-15800,"tfa_he":99200,"tw":103550,"age":37,"inc":60225,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-15800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":132000,"hequity":108000,"nifa":157000,"net_nifa":156100,"tfa":157000,"net_tfa":156100,"tfa_he":264100,"tw":264100,"age":38,"inc":107172,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":156100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-8000,"age":41,"inc":7200,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-8000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":62298,"net_nifa":62298,"tfa":81798,"net_tfa":81798,"tfa_he":81798,"tw":81798,"age":53,"inc":100596,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":81798,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7180,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":5031,"net_nifa":5031,"tfa":12211,"net_tfa":12211,"tfa_he":62211,"tw":87211,"age":39,"inc":65172,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":12211,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1124,"net_nifa":-6376,"tfa":1124,"net_tfa":-6376,"tfa_he":-6376,"tw":-5626,"age":27,"inc":29598,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-6376,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6200,"tfa":0,"net_tfa":-6200,"tfa_he":-6200,"tw":-6200,"age":30,"inc":26751,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-6200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":17000,"hmort":20000,"hequity":-3000,"nifa":500,"net_nifa":-1500,"tfa":500,"net_tfa":-1500,"tfa_he":-4500,"tw":8325,"age":42,"inc":11253,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-1500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":0,"hequity":145000,"nifa":3000,"net_nifa":2750,"tfa":3000,"net_tfa":2750,"tfa_he":147750,"tw":150750,"age":35,"inc":13200,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":2750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":1549,"net_nifa":1059,"tfa":1549,"net_tfa":1059,"tfa_he":29059,"tw":29059,"age":41,"inc":38538,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1059,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":38,"inc":19365,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":2700,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":22999,"net_nifa":19999,"tfa":27999,"net_tfa":24999,"tfa_he":109999,"tw":117099,"age":58,"inc":22620,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":24999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":11112,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8999,"net_nifa":3599,"tfa":8999,"net_tfa":3599,"tfa_he":3599,"tw":11474,"age":54,"inc":19020,"fsize":1,"educ":9,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":3599,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-5150,"tfa":1000,"net_tfa":-5150,"tfa_he":-5150,"tw":-5150,"age":47,"inc":23010,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":102000,"hequity":18000,"nifa":10049,"net_nifa":7749,"tfa":10049,"net_tfa":7749,"tfa_he":25749,"tw":27749,"age":26,"inc":31395,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":7749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-4600,"tfa":900,"net_tfa":-4600,"tfa_he":-4600,"tw":-3400,"age":26,"inc":37500,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-4600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":43000,"hequity":17000,"nifa":1000,"net_nifa":-5400,"tfa":1000,"net_tfa":-5400,"tfa_he":11600,"tw":11600,"age":47,"inc":51960,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":-1500,"tw":-750,"age":28,"inc":16380,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":3250,"tfa":5000,"net_tfa":4250,"tfa_he":4250,"tw":14929,"age":26,"inc":30255,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":4250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6454,"a401":0,"hval":47000,"hmort":38800,"hequity":8200,"nifa":8354,"net_nifa":7617,"tfa":14808,"net_tfa":14071,"tfa_he":22271,"tw":27671,"age":32,"inc":28572,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":14071,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":78000,"hequity":27000,"nifa":3500,"net_nifa":2000,"tfa":3500,"net_tfa":2000,"tfa_he":29000,"tw":38000,"age":29,"inc":57870,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":8000,"net_tfa":7300,"tfa_he":7300,"tw":7300,"age":25,"inc":12114,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":7300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":7962,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":42000,"hequity":15000,"nifa":1400,"net_nifa":-3400,"tfa":1400,"net_tfa":-3400,"tfa_he":11600,"tw":12700,"age":32,"inc":21585,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":29000,"hequity":21000,"nifa":184,"net_nifa":-3416,"tfa":184,"net_tfa":-3416,"tfa_he":17584,"tw":19884,"age":42,"inc":17172,"fsize":1,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-3416,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-1000,"tfa":400,"net_tfa":-1000,"tfa_he":-1000,"tw":-500,"age":33,"inc":31440,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":37,"inc":3300,"fsize":6,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":98200,"net_nifa":91200,"tfa":110200,"net_tfa":103200,"tfa_he":103200,"tw":303200,"age":39,"inc":88200,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.49355,"net_n401":103200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":20,"net_nifa":-980,"tfa":20,"net_tfa":-980,"tfa_he":24020,"tw":24520,"age":55,"inc":10590,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-980,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":31000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":42000,"net_nifa":41450,"tfa":73000,"net_tfa":72450,"tfa_he":72450,"tw":139450,"age":29,"inc":67575,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":72450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":-385,"tfa":15,"net_tfa":-385,"tfa_he":-385,"tw":615,"age":26,"inc":10200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-385,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":2000,"net_nifa":1400,"tfa":2000,"net_tfa":1400,"tfa_he":26400,"tw":26400,"age":58,"inc":14400,"fsize":5,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":6300,"age":32,"inc":11100,"fsize":5,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":5000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2,"net_nifa":2,"tfa":2,"net_tfa":2,"tfa_he":2,"tw":2,"age":31,"inc":8589,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":2,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":73000,"hequity":2000,"nifa":700,"net_nifa":-4300,"tfa":700,"net_tfa":-4300,"tfa_he":-2300,"tw":1700,"age":28,"inc":45090,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":699,"net_nifa":-2801,"tfa":699,"net_tfa":-2801,"tfa_he":-2801,"tw":-1301,"age":29,"inc":13890,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2801,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":35000,"hequity":125000,"nifa":200,"net_nifa":-2900,"tfa":200,"net_tfa":-2900,"tfa_he":122100,"tw":126279,"age":51,"inc":35487,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3500,"a401":0,"hval":185000,"hmort":6500,"hequity":178500,"nifa":1249,"net_nifa":-1383,"tfa":4749,"net_tfa":2117,"tfa_he":180617,"tw":193617,"age":57,"inc":50916,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":2117,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":16500,"hequity":133500,"nifa":2250,"net_nifa":-4750,"tfa":2250,"net_tfa":-4750,"tfa_he":128750,"tw":133350,"age":50,"inc":17490,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-4750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3500,"a401":0,"hval":35000,"hmort":23500,"hequity":11500,"nifa":183,"net_nifa":-17,"tfa":3683,"net_tfa":3483,"tfa_he":14983,"tw":14983,"age":49,"inc":37155,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":3483,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-2200,"tfa":300,"net_tfa":-2200,"tfa_he":-2200,"tw":-2200,"age":37,"inc":28050,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":45000,"hmort":37000,"hequity":8000,"nifa":4599,"net_nifa":3139,"tfa":14599,"net_tfa":13139,"tfa_he":21139,"tw":21139,"age":42,"inc":32142,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":13139,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":86000,"hequity":34000,"nifa":920,"net_nifa":-4880,"tfa":920,"net_tfa":-4880,"tfa_he":29120,"tw":29120,"age":31,"inc":27729,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-4880,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-2100,"tfa":900,"net_tfa":-2100,"tfa_he":-2100,"tw":900,"age":32,"inc":29172,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":60150,"hequity":8850,"nifa":130,"net_nifa":-870,"tfa":130,"net_tfa":-870,"tfa_he":7980,"tw":11980,"age":31,"inc":27720,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-870,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":766,"a401":0,"hval":35000,"hmort":2400,"hequity":32600,"nifa":10892,"net_nifa":10892,"tfa":11658,"net_tfa":11658,"tfa_he":44258,"tw":49058,"age":38,"inc":4584,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":11658,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":300000,"hmort":35000,"hequity":265000,"nifa":335999,"net_nifa":333749,"tfa":348999,"net_tfa":346749,"tfa_he":611749,"tw":786749,"age":57,"inc":128550,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":346749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15757,"a401":0,"hval":82500,"hmort":42000,"hequity":40500,"nifa":67511,"net_nifa":65911,"tfa":83268,"net_tfa":81668,"tfa_he":122168,"tw":122168,"age":40,"inc":34563,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":81668,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6400,"a401":0,"hval":65000,"hmort":20000,"hequity":45000,"nifa":9250,"net_nifa":350,"tfa":15650,"net_tfa":6750,"tfa_he":51750,"tw":51750,"age":55,"inc":55320,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":6750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8048,"net_nifa":8048,"tfa":8048,"net_tfa":8048,"tfa_he":8048,"tw":11598,"age":25,"inc":34893,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":8048,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":34000,"net_nifa":34000,"tfa":46500,"net_tfa":46500,"tfa_he":46500,"tw":154500,"age":48,"inc":78918,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":46500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":0,"hval":120000,"hmort":30000,"hequity":90000,"nifa":29998,"net_nifa":29898,"tfa":61998,"net_tfa":61898,"tfa_he":151898,"tw":151898,"age":59,"inc":37920,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":61898,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":40900,"hequity":19100,"nifa":14500,"net_nifa":14500,"tfa":14500,"net_tfa":14500,"tfa_he":33600,"tw":33600,"age":44,"inc":51078,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":14500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":0,"hequity":27000,"nifa":15600,"net_nifa":15575,"tfa":15600,"net_tfa":15575,"tfa_he":42575,"tw":49475,"age":59,"inc":15588,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":15575,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":28000,"hmort":10000,"hequity":18000,"nifa":200,"net_nifa":-2047,"tfa":200,"net_tfa":-2047,"tfa_he":15953,"tw":19753,"age":38,"inc":29838,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-2047,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":38000,"a401":0,"hval":150000,"hmort":75000,"hequity":75000,"nifa":18500,"net_nifa":17000,"tfa":56500,"net_tfa":55000,"tfa_he":130000,"tw":130800,"age":46,"inc":80220,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":34000,"hequity":16000,"nifa":150,"net_nifa":-2000,"tfa":150,"net_tfa":-2000,"tfa_he":14000,"tw":16500,"age":30,"inc":17967,"fsize":4,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1200,"age":33,"inc":24300,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6763,"net_nifa":-3887,"tfa":6763,"net_tfa":-3887,"tfa_he":-3887,"tw":20927,"age":42,"inc":33021,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-3887,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2100,"a401":0,"hval":98000,"hmort":77500,"hequity":20500,"nifa":13000,"net_nifa":12182,"tfa":15100,"net_tfa":14282,"tfa_he":34782,"tw":54282,"age":33,"inc":45831,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":14282,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":78000,"hequity":222000,"nifa":18800,"net_nifa":18800,"tfa":18800,"net_tfa":18800,"tfa_he":240800,"tw":279042,"age":43,"inc":50550,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":18800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":18000,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":12000,"age":41,"inc":24864,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-500,"tfa":100,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":43,"inc":16959,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":89000,"hmort":57000,"hequity":32000,"nifa":2050,"net_nifa":1700,"tfa":8050,"net_tfa":7700,"tfa_he":39700,"tw":41500,"age":33,"inc":32514,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":106000,"hmort":106000,"hequity":0,"nifa":779,"net_nifa":-1421,"tfa":3029,"net_tfa":829,"tfa_he":829,"tw":4429,"age":39,"inc":26445,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1421,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":33000,"a401":0,"hval":285000,"hmort":18000,"hequity":267000,"nifa":19798,"net_nifa":8698,"tfa":92798,"net_tfa":81698,"tfa_he":348698,"tw":356698,"age":55,"inc":81840,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":41698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":10000,"tfa":10000,"net_tfa":10000,"tfa_he":10000,"tw":10000,"age":61,"inc":34920,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":10000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":12999,"net_nifa":12999,"tfa":12999,"net_tfa":12999,"tfa_he":17999,"tw":21849,"age":27,"inc":26724,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":12999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":55000,"hequity":30000,"nifa":13425,"net_nifa":13425,"tfa":13425,"net_tfa":13425,"tfa_he":43425,"tw":223425,"age":64,"inc":59010,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":13425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":34000,"hequity":21000,"nifa":30000,"net_nifa":29000,"tfa":30000,"net_tfa":29000,"tfa_he":50000,"tw":54500,"age":30,"inc":29400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-15100,"tfa":0,"net_tfa":-15100,"tfa_he":-15100,"tw":7900,"age":42,"inc":30000,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":-15100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":500,"net_nifa":-4500,"tfa":2500,"net_tfa":-2500,"tfa_he":12500,"tw":22950,"age":32,"inc":12240,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":-2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":67500,"hequity":82500,"nifa":10973,"net_nifa":6973,"tfa":10973,"net_tfa":6973,"tfa_he":89473,"tw":97173,"age":44,"inc":84993,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":6973,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112800,"hmort":82000,"hequity":30800,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":31299,"tw":71495,"age":33,"inc":36030,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":125000,"hmort":40000,"hequity":85000,"nifa":16500,"net_nifa":16200,"tfa":20000,"net_tfa":19700,"tfa_he":104700,"tw":106750,"age":41,"inc":49194,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":19700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":3200,"tfa":12200,"net_tfa":12200,"tfa_he":12200,"tw":23200,"age":32,"inc":17580,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":12200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-9500,"tfa":300,"net_tfa":-9500,"tfa_he":-9500,"tw":-6700,"age":25,"inc":26940,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-9500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1,"net_nifa":-4199,"tfa":1,"net_tfa":-4199,"tfa_he":-4199,"tw":-1799,"age":27,"inc":44508,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-4199,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-13375,"tfa":25,"net_tfa":-13375,"tfa_he":-13375,"tw":-9444,"age":39,"inc":15600,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-13375,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":30000,"hmort":19500,"hequity":10500,"nifa":3600,"net_nifa":-1750,"tfa":53600,"net_tfa":48250,"tfa_he":58750,"tw":61350,"age":38,"inc":44754,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":48250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16661,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":15130,"net_nifa":15130,"tfa":31791,"net_tfa":31791,"tfa_he":81791,"tw":135141,"age":53,"inc":23721,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":31791,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30215,"a401":0,"hval":210000,"hmort":100141,"hequity":109859,"nifa":28900,"net_nifa":28900,"tfa":59115,"net_tfa":59115,"tfa_he":168974,"tw":183974,"age":46,"inc":80079,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":59115,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":59,"inc":6843,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22900,"net_nifa":21600,"tfa":30900,"net_tfa":29600,"tfa_he":29600,"tw":37600,"age":62,"inc":23532,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":29600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":200000,"hmort":100000,"hequity":100000,"nifa":6500,"net_nifa":-700,"tfa":6500,"net_tfa":-700,"tfa_he":99300,"tw":115300,"age":38,"inc":80025,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":15000,"hequity":75000,"nifa":6048,"net_nifa":6048,"tfa":6048,"net_tfa":6048,"tfa_he":81048,"tw":96048,"age":49,"inc":39123,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6048,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":257,"net_nifa":257,"tfa":257,"net_tfa":257,"tfa_he":20257,"tw":20257,"age":46,"inc":11901,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":257,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-850,"tfa":650,"net_tfa":-850,"tfa_he":-850,"tw":500,"age":35,"inc":18027,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12999,"net_nifa":11899,"tfa":12999,"net_tfa":11899,"tfa_he":11899,"tw":12737,"age":49,"inc":39681,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":11899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":12000,"tw":12000,"age":41,"inc":20400,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-5400,"tfa":400,"net_tfa":-5400,"tfa_he":-5400,"tw":-5025,"age":31,"inc":39567,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-5400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":30000,"hequity":5000,"nifa":1600,"net_nifa":1600,"tfa":1600,"net_tfa":1600,"tfa_he":6600,"tw":6600,"age":36,"inc":23466,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":37649,"net_nifa":-84151,"tfa":37649,"net_tfa":-84151,"tfa_he":-49151,"tw":-48188,"age":58,"inc":13074,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-84151,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":750,"tfa":800,"net_tfa":750,"tfa_he":750,"tw":750,"age":31,"inc":18642,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":131000,"hequity":19000,"nifa":110000,"net_nifa":110000,"tfa":110000,"net_tfa":110000,"tfa_he":129000,"tw":137596,"age":45,"inc":94776,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":110000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":56500,"hmort":39000,"hequity":17500,"nifa":50,"net_nifa":-19950,"tfa":50,"net_tfa":-19950,"tfa_he":-2450,"tw":400,"age":34,"inc":25191,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-19950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":46350,"hequity":15650,"nifa":3488,"net_nifa":1208,"tfa":3488,"net_tfa":1208,"tfa_he":16858,"tw":23058,"age":46,"inc":34131,"fsize":7,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1208,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":29821,"hequity":35179,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":35179,"tw":38897,"age":43,"inc":25050,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":10350,"age":57,"inc":9180,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":3500,"age":36,"inc":24441,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":39000,"hequity":0,"nifa":1800,"net_nifa":420,"tfa":1800,"net_tfa":420,"tfa_he":420,"tw":3520,"age":32,"inc":16380,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":420,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1229,"tfa":0,"net_tfa":-1229,"tfa_he":-1229,"tw":-1229,"age":34,"inc":6204,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1229,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-16700,"tfa":2500,"net_tfa":-16700,"tfa_he":-16700,"tw":-11700,"age":35,"inc":65010,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-16700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":103000,"hequity":47000,"nifa":4200,"net_nifa":4200,"tfa":4200,"net_tfa":4200,"tfa_he":51200,"tw":51200,"age":38,"inc":42036,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":2500,"net_nifa":500,"tfa":2500,"net_tfa":500,"tfa_he":70500,"tw":70500,"age":48,"inc":53412,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":20,"net_nifa":-1780,"tfa":4020,"net_tfa":2220,"tfa_he":52220,"tw":54720,"age":59,"inc":7164,"fsize":1,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.26963,"net_n401":2220,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":60000,"hequity":20000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":22000,"tw":28000,"age":54,"inc":59346,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-6000,"tfa":1500,"net_tfa":-6000,"tfa_he":-6000,"tw":-2457,"age":26,"inc":36000,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-6000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":76100,"net_nifa":76100,"tfa":136100,"net_tfa":136100,"tfa_he":196100,"tw":377400,"age":55,"inc":63972,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":136100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":29000,"hmort":29000,"hequity":0,"nifa":2000,"net_nifa":-4200,"tfa":2000,"net_tfa":-4200,"tfa_he":-4200,"tw":-4200,"age":64,"inc":10947,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-4200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":45000,"hequity":20000,"nifa":5400,"net_nifa":4700,"tfa":5400,"net_tfa":4700,"tfa_he":24700,"tw":26200,"age":31,"inc":45408,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":14500,"hequity":10500,"nifa":5050,"net_nifa":4050,"tfa":5050,"net_tfa":4050,"tfa_he":14550,"tw":15550,"age":31,"inc":17715,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":4050,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1100,"age":47,"inc":32043,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":25000,"hequity":14000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":14000,"tw":18000,"age":38,"inc":16344,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":-150,"tfa":0,"net_tfa":-150,"tfa_he":74850,"tw":74850,"age":33,"inc":13326,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":269000,"hmort":135000,"hequity":134000,"nifa":249,"net_nifa":-19751,"tfa":12249,"net_tfa":-7751,"tfa_he":126249,"tw":126249,"age":55,"inc":56103,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":-7751,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11250,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":34600,"net_nifa":34450,"tfa":45850,"net_tfa":45700,"tfa_he":75700,"tw":75700,"age":55,"inc":27390,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":45700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":37,"inc":14172,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1038,"net_nifa":-2462,"tfa":1038,"net_tfa":-2462,"tfa_he":-2462,"tw":-2462,"age":28,"inc":48558,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-2462,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":64000,"hequity":6000,"nifa":3299,"net_nifa":-701,"tfa":3299,"net_tfa":-701,"tfa_he":5299,"tw":9999,"age":28,"inc":24192,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-701,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":65000,"hequity":85000,"nifa":6834,"net_nifa":6834,"tfa":6834,"net_tfa":6834,"tfa_he":91834,"tw":94611,"age":47,"inc":42951,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":6834,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":28700,"hequity":46300,"nifa":2426,"net_nifa":1746,"tfa":2426,"net_tfa":1746,"tfa_he":48046,"tw":53155,"age":40,"inc":46605,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1746,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":12800,"tfa":15000,"net_tfa":12800,"tfa_he":12800,"tw":20800,"age":31,"inc":25680,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":12800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":8000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":50,"age":37,"inc":11313,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":6120,"fsize":3,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":39000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":30,"inc":28629,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4850,"tfa":500,"net_tfa":-4850,"tfa_he":-4850,"tw":-4850,"age":39,"inc":28125,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":-4850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":150000,"hequity":15000,"nifa":31000,"net_nifa":21000,"tfa":31000,"net_tfa":21000,"tfa_he":36000,"tw":48000,"age":35,"inc":92277,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-780,"tfa":20,"net_tfa":-780,"tfa_he":-780,"tw":-780,"age":31,"inc":18813,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-780,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":38000,"hequity":32000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":32500,"tw":32500,"age":61,"inc":23640,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":90000,"hequity":30000,"nifa":9635,"net_nifa":-5365,"tfa":9635,"net_tfa":-5365,"tfa_he":24635,"tw":26429,"age":42,"inc":72039,"fsize":3,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-5365,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":48000,"hmort":27000,"hequity":21000,"nifa":610,"net_nifa":510,"tfa":2610,"net_tfa":2510,"tfa_he":23510,"tw":31510,"age":37,"inc":38340,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":2510,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1800,"tfa":200,"net_tfa":-1800,"tfa_he":-1800,"tw":10200,"age":58,"inc":44925,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-1800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":12000,"hmort":9300,"hequity":2700,"nifa":185,"net_nifa":-2815,"tfa":185,"net_tfa":-2815,"tfa_he":-115,"tw":885,"age":26,"inc":13110,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2815,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":3050,"age":33,"inc":13755,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":-3150,"tfa":550,"net_tfa":-3150,"tfa_he":-3150,"tw":6503,"age":36,"inc":24975,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-3150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":58000,"hequity":0,"nifa":6215,"net_nifa":1015,"tfa":6215,"net_tfa":1015,"tfa_he":1015,"tw":22390,"age":36,"inc":28452,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1015,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":62000,"hequity":58000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":58000,"tw":106000,"age":33,"inc":31749,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":1658,"hequity":8342,"nifa":150,"net_nifa":-12918,"tfa":150,"net_tfa":-12918,"tfa_he":-4576,"tw":10424,"age":29,"inc":30249,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-12918,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":75000,"hequity":10000,"nifa":17200,"net_nifa":12115,"tfa":17200,"net_tfa":12115,"tfa_he":22115,"tw":31290,"age":47,"inc":46983,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":12115,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":33000,"hequity":27000,"nifa":4778,"net_nifa":1778,"tfa":4778,"net_tfa":1778,"tfa_he":28778,"tw":43778,"age":49,"inc":48585,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":1778,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8062,"net_nifa":-8538,"tfa":8062,"net_tfa":-8538,"tfa_he":-8538,"tw":-8538,"age":31,"inc":57786,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-8538,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":12666,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":20299,"net_nifa":20299,"tfa":20299,"net_tfa":20299,"tfa_he":100299,"tw":108324,"age":55,"inc":31098,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":20299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-13947,"tfa":0,"net_tfa":-13947,"tfa_he":-13947,"tw":-13947,"age":51,"inc":16200,"fsize":7,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-13947,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2100,"net_nifa":-27900,"tfa":24100,"net_tfa":-5900,"tfa_he":144100,"tw":513100,"age":44,"inc":106086,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":78000,"hmort":78000,"hequity":0,"nifa":2900,"net_nifa":2820,"tfa":29900,"net_tfa":29820,"tfa_he":29820,"tw":35820,"age":45,"inc":51327,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":29820,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":20500,"tw":26050,"age":51,"inc":13473,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1640,"tfa":0,"net_tfa":-1640,"tfa_he":-1640,"tw":-1640,"age":31,"inc":8868,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1640,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":105000,"hequity":5000,"nifa":0,"net_nifa":-6000,"tfa":0,"net_tfa":-6000,"tfa_he":-1000,"tw":4000,"age":30,"inc":60870,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":170000,"hmort":55000,"hequity":115000,"nifa":7600,"net_nifa":600,"tfa":11600,"net_tfa":4600,"tfa_he":119600,"tw":123600,"age":38,"inc":50817,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":37000,"hequity":48000,"nifa":2000,"net_nifa":0,"tfa":2000,"net_tfa":0,"tfa_he":48000,"tw":66800,"age":46,"inc":61110,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4900,"net_nifa":4100,"tfa":4900,"net_tfa":4100,"tfa_he":4100,"tw":180600,"age":33,"inc":23661,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":24000,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":429,"net_nifa":-21,"tfa":429,"net_tfa":-21,"tfa_he":-21,"tw":214,"age":35,"inc":13128,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-21,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":100000,"hmort":47000,"hequity":53000,"nifa":1300,"net_nifa":1100,"tfa":15300,"net_tfa":15100,"tfa_he":68100,"tw":83100,"age":53,"inc":73218,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":15100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":0,"hval":90000,"hmort":56000,"hequity":34000,"nifa":3500,"net_nifa":3300,"tfa":33500,"net_tfa":33300,"tfa_he":67300,"tw":67300,"age":47,"inc":60180,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":33300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4200,"a401":0,"hval":175000,"hmort":55000,"hequity":120000,"nifa":9850,"net_nifa":8150,"tfa":14050,"net_tfa":12350,"tfa_he":132350,"tw":282350,"age":58,"inc":71646,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":12350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":160,"net_nifa":-440,"tfa":160,"net_tfa":-440,"tfa_he":-440,"tw":7560,"age":33,"inc":24516,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-440,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":1500,"net_nifa":800,"tfa":3500,"net_tfa":2800,"tfa_he":52800,"tw":59300,"age":36,"inc":81510,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":73500,"hequity":46500,"nifa":17556,"net_nifa":17556,"tfa":17556,"net_tfa":17556,"tfa_he":64056,"tw":76148,"age":26,"inc":5004,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.35361,"net_n401":17556,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":4000,"hmort":4000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":3690,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20750,"a401":0,"hval":105000,"hmort":75000,"hequity":30000,"nifa":25000,"net_nifa":24000,"tfa":45750,"net_tfa":44750,"tfa_he":74750,"tw":74750,"age":31,"inc":68040,"fsize":5,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":44750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":-4000,"tw":-4000,"age":36,"inc":17136,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-4000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":649,"net_nifa":649,"tfa":20649,"net_tfa":20649,"tfa_he":50649,"tw":55649,"age":58,"inc":20235,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":20649,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":0,"hval":80000,"hmort":50000,"hequity":30000,"nifa":500,"net_nifa":-7500,"tfa":3500,"net_tfa":-4500,"tfa_he":25500,"tw":26000,"age":33,"inc":21060,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-574,"tfa":0,"net_tfa":-574,"tfa_he":-574,"tw":1926,"age":32,"inc":6678,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-574,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":57000,"hequity":5000,"nifa":1550,"net_nifa":-3875,"tfa":1550,"net_tfa":-3875,"tfa_he":1125,"tw":14125,"age":41,"inc":56334,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3875,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":-7751,"tfa":749,"net_tfa":-7751,"tfa_he":-7751,"tw":249,"age":34,"inc":36051,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7751,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36300,"hequity":8700,"nifa":50,"net_nifa":-12276,"tfa":50,"net_tfa":-12276,"tfa_he":-3576,"tw":-2442,"age":39,"inc":22956,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-12276,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1965,"net_nifa":1965,"tfa":1965,"net_tfa":1965,"tfa_he":1965,"tw":5315,"age":27,"inc":40209,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":1965,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1999,"net_nifa":1459,"tfa":1999,"net_tfa":1459,"tfa_he":51459,"tw":82834,"age":34,"inc":36090,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1459,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70,"net_nifa":-7575,"tfa":70,"net_tfa":-7575,"tfa_he":-7575,"tw":-3255,"age":40,"inc":35688,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7575,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":-6001,"tfa":999,"net_tfa":-6001,"tfa_he":-6001,"tw":-5970,"age":26,"inc":23640,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-6001,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1000,"net_nifa":800,"tfa":1000,"net_tfa":800,"tfa_he":50800,"tw":75600,"age":51,"inc":21969,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":150000,"hequity":35000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":35400,"tw":39975,"age":56,"inc":14310,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":31000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":6200,"net_nifa":6100,"tfa":37200,"net_tfa":37100,"tfa_he":87100,"tw":93600,"age":48,"inc":29067,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":37100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":41,"inc":25674,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1550,"net_nifa":-1450,"tfa":1550,"net_tfa":-1450,"tfa_he":-1450,"tw":11750,"age":25,"inc":24510,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":80000,"hequity":120000,"nifa":5100,"net_nifa":4876,"tfa":5100,"net_tfa":4876,"tfa_he":124876,"tw":124876,"age":46,"inc":55818,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":4876,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":18500,"hequity":26500,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":27500,"tw":27500,"age":35,"inc":24150,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":35000,"hmort":12500,"hequity":22500,"nifa":63200,"net_nifa":63200,"tfa":69200,"net_tfa":69200,"tfa_he":91700,"tw":98517,"age":49,"inc":16968,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":69200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":89000,"hequity":46000,"nifa":9223,"net_nifa":7723,"tfa":9223,"net_tfa":7723,"tfa_he":53723,"tw":65723,"age":34,"inc":64347,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":7723,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":40500,"hequity":39500,"nifa":1200,"net_nifa":350,"tfa":1200,"net_tfa":350,"tfa_he":39850,"tw":49270,"age":44,"inc":49656,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":35000,"hequity":0,"nifa":200,"net_nifa":-30,"tfa":200,"net_tfa":-30,"tfa_he":-30,"tw":7470,"age":48,"inc":19176,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-30,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":5350,"age":37,"inc":24546,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":65,"net_nifa":-453,"tfa":65,"net_tfa":-453,"tfa_he":1547,"tw":1855,"age":33,"inc":15000,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-453,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":0,"hval":95000,"hmort":50000,"hequity":45000,"nifa":16000,"net_nifa":-4500,"tfa":20500,"net_tfa":0,"tfa_he":45000,"tw":49000,"age":46,"inc":18000,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":15000,"hequity":50000,"nifa":58930,"net_nifa":55000,"tfa":58930,"net_tfa":55000,"tfa_he":105000,"tw":122743,"age":64,"inc":34932,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":67000,"hequity":8000,"nifa":350,"net_nifa":-2150,"tfa":350,"net_tfa":-2150,"tfa_he":5850,"tw":6833,"age":48,"inc":14025,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":1800,"tw":1800,"age":49,"inc":25608,"fsize":1,"educ":3,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":72000,"hequity":3000,"nifa":50,"net_nifa":-2950,"tfa":50,"net_tfa":-2950,"tfa_he":50,"tw":50,"age":49,"inc":16920,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":47749,"net_nifa":46249,"tfa":47749,"net_tfa":46249,"tfa_he":86249,"tw":86249,"age":61,"inc":42528,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":46249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-500,"age":45,"inc":8586,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":700,"age":39,"inc":17850,"fsize":6,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":0,"hequity":6000,"nifa":63,"net_nifa":63,"tfa":63,"net_tfa":63,"tfa_he":6063,"tw":6063,"age":27,"inc":17832,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":63,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":350,"tfa":450,"net_tfa":350,"tfa_he":350,"tw":1200,"age":29,"inc":18000,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":36000,"hequity":4000,"nifa":4000,"net_nifa":3400,"tfa":4000,"net_tfa":3400,"tfa_he":7400,"tw":7400,"age":28,"inc":17070,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":3400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":10000,"hequity":2000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":5000,"tw":9500,"age":33,"inc":11898,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":73400,"hequity":141600,"nifa":2720,"net_nifa":1970,"tfa":2720,"net_tfa":1970,"tfa_he":143570,"tw":143570,"age":39,"inc":41088,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":1970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":700,"net_nifa":-1700,"tfa":700,"net_tfa":-1700,"tfa_he":73300,"tw":79300,"age":36,"inc":41694,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-9000,"tfa":0,"net_tfa":-9000,"tfa_he":-9000,"tw":-9000,"age":40,"inc":14241,"fsize":5,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-9000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":559,"net_nifa":-5371,"tfa":559,"net_tfa":-5371,"tfa_he":-5371,"tw":-2021,"age":60,"inc":5436,"fsize":2,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-5371,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":73000,"hmort":0,"hequity":73000,"nifa":16250,"net_nifa":15897,"tfa":66250,"net_tfa":65897,"tfa_he":138897,"tw":252897,"age":56,"inc":39546,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":65897,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":44000,"hequity":46000,"nifa":3000,"net_nifa":2000,"tfa":3000,"net_tfa":2000,"tfa_he":48000,"tw":68000,"age":58,"inc":14460,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":53000,"hmort":10000,"hequity":43000,"nifa":50,"net_nifa":-3050,"tfa":50,"net_tfa":-3050,"tfa_he":39950,"tw":44750,"age":34,"inc":16977,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-3050,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3999,"net_nifa":3899,"tfa":6999,"net_tfa":6899,"tfa_he":6899,"tw":11790,"age":26,"inc":28830,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":6899,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2900,"age":60,"inc":14541,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":41,"inc":49980,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11550,"net_nifa":11400,"tfa":13550,"net_tfa":13400,"tfa_he":13400,"tw":20400,"age":26,"inc":32070,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":13400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":23000,"hequity":77000,"nifa":2542,"net_nifa":-2238,"tfa":2542,"net_tfa":-2238,"tfa_he":74762,"tw":76075,"age":55,"inc":60528,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2238,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":25000,"hequity":15000,"nifa":2000,"net_nifa":1800,"tfa":2000,"net_tfa":1800,"tfa_he":16800,"tw":16800,"age":45,"inc":24426,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":1800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9699,"net_nifa":8599,"tfa":9699,"net_tfa":8599,"tfa_he":8599,"tw":10599,"age":31,"inc":42330,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":8599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-1715,"tfa":10,"net_tfa":-1715,"tfa_he":-1715,"tw":-549,"age":31,"inc":14400,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-1715,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":600,"tfa":1200,"net_tfa":600,"tfa_he":600,"tw":6450,"age":51,"inc":20496,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":15000,"hequity":27000,"nifa":67600,"net_nifa":67600,"tfa":67600,"net_tfa":67600,"tfa_he":94600,"tw":94600,"age":44,"inc":34755,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":67600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-4200,"tfa":1300,"net_tfa":-4200,"tfa_he":-4200,"tw":4800,"age":40,"inc":60846,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-4200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":60000,"hequity":0,"nifa":249,"net_nifa":249,"tfa":749,"net_tfa":749,"tfa_he":749,"tw":749,"age":37,"inc":44475,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":150000,"hequity":135000,"nifa":1200,"net_nifa":-10600,"tfa":1200,"net_tfa":-10600,"tfa_he":124400,"tw":124400,"age":39,"inc":97722,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-10600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":75000,"hequity":20000,"nifa":5050,"net_nifa":-750,"tfa":5050,"net_tfa":-750,"tfa_he":19250,"tw":29250,"age":35,"inc":69696,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":136,"net_nifa":-2364,"tfa":136,"net_tfa":-2364,"tfa_he":72636,"tw":72636,"age":46,"inc":12954,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2364,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":15402,"fsize":5,"educ":7,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-6700,"tfa":1000,"net_tfa":-6700,"tfa_he":-6700,"tw":-3700,"age":25,"inc":60495,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-6700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":750,"tfa":750,"net_tfa":750,"tfa_he":750,"tw":2916,"age":63,"inc":26580,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":0,"hval":300000,"hmort":70000,"hequity":230000,"nifa":35500,"net_nifa":19500,"tfa":48500,"net_tfa":32500,"tfa_he":262500,"tw":273000,"age":53,"inc":101949,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":22500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22,"net_nifa":-843,"tfa":22,"net_tfa":-843,"tfa_he":-843,"tw":157,"age":32,"inc":12207,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-843,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":12000,"hequity":2000,"nifa":50,"net_nifa":-950,"tfa":50,"net_tfa":-950,"tfa_he":1050,"tw":1050,"age":38,"inc":15360,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":43000,"tw":47475,"age":53,"inc":28980,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":8500,"age":29,"inc":24510,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":31050,"hmort":31050,"hequity":0,"nifa":0,"net_nifa":-650,"tfa":0,"net_tfa":-650,"tfa_he":-650,"tw":-150,"age":32,"inc":9069,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-650,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":30000,"hequity":50000,"nifa":168,"net_nifa":-3332,"tfa":168,"net_tfa":-3332,"tfa_he":46668,"tw":46668,"age":49,"inc":59256,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3332,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":7000,"hequity":5000,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":3500,"tw":6400,"age":28,"inc":9240,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-1500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":97000,"net_nifa":97000,"tfa":112000,"net_tfa":112000,"tfa_he":112000,"tw":115550,"age":44,"inc":22416,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":112000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2400,"tfa":3000,"net_tfa":2400,"tfa_he":2400,"tw":4150,"age":30,"inc":25650,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":52000,"hequity":83000,"nifa":3700,"net_nifa":840,"tfa":3700,"net_tfa":840,"tfa_he":83840,"tw":83840,"age":50,"inc":27561,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":840,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":400,"net_nifa":-900,"tfa":400,"net_tfa":-900,"tfa_he":44100,"tw":60100,"age":36,"inc":47385,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-18000,"tfa":0,"net_tfa":-18000,"tfa_he":-18000,"tw":-8000,"age":40,"inc":18900,"fsize":6,"educ":9,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-18000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-11601,"tfa":1499,"net_tfa":-11601,"tfa_he":-11601,"tw":-11101,"age":33,"inc":16590,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-11601,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":75000,"hequity":0,"nifa":3199,"net_nifa":3199,"tfa":3199,"net_tfa":3199,"tfa_he":3199,"tw":3199,"age":42,"inc":26985,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":3199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-1494,"tfa":6,"net_tfa":-1494,"tfa_he":-1494,"tw":3506,"age":30,"inc":29478,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-1494,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":51000,"hequity":12000,"nifa":610,"net_nifa":-2240,"tfa":610,"net_tfa":-2240,"tfa_he":9760,"tw":16813,"age":44,"inc":31530,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-2240,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":18000,"hequity":37000,"nifa":1449,"net_nifa":-2551,"tfa":1449,"net_tfa":-2551,"tfa_he":34449,"tw":44924,"age":41,"inc":48273,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":-2551,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4500,"a401":0,"hval":100000,"hmort":30000,"hequity":70000,"nifa":46050,"net_nifa":15050,"tfa":50550,"net_tfa":19550,"tfa_he":89550,"tw":89550,"age":29,"inc":37650,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":19550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":24960,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":64000,"hequity":21000,"nifa":256,"net_nifa":-704,"tfa":256,"net_tfa":-704,"tfa_he":20296,"tw":20296,"age":33,"inc":45039,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-704,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-10250,"tfa":250,"net_tfa":-10250,"tfa_he":-10250,"tw":-8250,"age":49,"inc":29898,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-10250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":41000,"hequity":18000,"nifa":499,"net_nifa":199,"tfa":499,"net_tfa":199,"tfa_he":18199,"tw":25749,"age":40,"inc":3618,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.35361,"net_n401":199,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":999,"age":55,"inc":12300,"fsize":4,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":1010,"net_nifa":-190,"tfa":1010,"net_tfa":-190,"tfa_he":124810,"tw":138653,"age":43,"inc":47400,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":45000,"hequity":45000,"nifa":500,"net_nifa":-2000,"tfa":500,"net_tfa":-2000,"tfa_he":43000,"tw":43000,"age":46,"inc":70830,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":66000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":1251000,"net_nifa":1239500,"tfa":1317000,"net_tfa":1305500,"tfa_he":1455500,"tw":1655500,"age":59,"inc":199041,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":1305500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1299,"net_nifa":-29,"tfa":1299,"net_tfa":-29,"tfa_he":39971,"tw":43637,"age":39,"inc":21621,"fsize":2,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-29,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":28,"inc":10200,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":70000,"hequity":25000,"nifa":2500,"net_nifa":-8500,"tfa":2500,"net_tfa":-8500,"tfa_he":16500,"tw":16500,"age":31,"inc":30315,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-8500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":56000,"hequity":4000,"nifa":100,"net_nifa":50,"tfa":100,"net_tfa":50,"tfa_he":4050,"tw":4550,"age":40,"inc":12120,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4319,"net_nifa":2319,"tfa":31319,"net_tfa":29319,"tfa_he":179319,"tw":208319,"age":47,"inc":87720,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":29319,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2000,"tw":2000,"age":57,"inc":4140,"fsize":3,"educ":4,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":45000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":1359,"net_nifa":-841,"tfa":46359,"net_tfa":44159,"tfa_he":344159,"tw":351159,"age":52,"inc":33489,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":44159,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":-30000,"tfa":0,"net_tfa":-30000,"tfa_he":10000,"tw":10000,"age":27,"inc":1419,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-30000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":127000,"hmort":105000,"hequity":22000,"nifa":1400,"net_nifa":-6600,"tfa":1400,"net_tfa":-6600,"tfa_he":15400,"tw":19750,"age":32,"inc":52041,"fsize":1,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-6600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1475,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3222,"net_nifa":1172,"tfa":4697,"net_tfa":2647,"tfa_he":2647,"tw":5897,"age":36,"inc":34839,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":2647,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":33900,"hequity":6100,"nifa":50,"net_nifa":-2550,"tfa":50,"net_tfa":-2550,"tfa_he":3550,"tw":4550,"age":47,"inc":21612,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-2550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":35000,"net_nifa":34000,"tfa":45000,"net_tfa":44000,"tfa_he":109000,"tw":109000,"age":30,"inc":45948,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":44000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":33000,"hequity":5000,"nifa":3000,"net_nifa":-4800,"tfa":3000,"net_tfa":-4800,"tfa_he":200,"tw":6800,"age":52,"inc":26400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-300,"tfa":400,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":25,"inc":24300,"fsize":3,"educ":7,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":225,"net_nifa":-17275,"tfa":225,"net_tfa":-17275,"tfa_he":-17275,"tw":-17275,"age":26,"inc":34830,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-17275,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13200,"net_nifa":13200,"tfa":13200,"net_tfa":13200,"tfa_he":13200,"tw":13200,"age":51,"inc":26280,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":13200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":0,"hequity":160000,"nifa":259,"net_nifa":259,"tfa":259,"net_tfa":259,"tfa_he":160259,"tw":167084,"age":62,"inc":20622,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":259,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":54000,"hmort":33900,"hequity":20100,"nifa":0,"net_nifa":-1422,"tfa":0,"net_tfa":-1422,"tfa_he":18678,"tw":18678,"age":27,"inc":16488,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1422,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":47000,"hequity":8000,"nifa":7,"net_nifa":-4693,"tfa":7,"net_tfa":-4693,"tfa_he":3307,"tw":30907,"age":29,"inc":29532,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-4693,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":8400,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":46000,"hequity":0,"nifa":2100,"net_nifa":-7900,"tfa":2100,"net_tfa":-7900,"tfa_he":-7900,"tw":-7900,"age":52,"inc":22500,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-7900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":14743,"age":40,"inc":24360,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":8000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":40,"inc":9630,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":14439,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7500,"hmort":5420,"hequity":2080,"nifa":242,"net_nifa":-3158,"tfa":242,"net_tfa":-3158,"tfa_he":-1078,"tw":-578,"age":41,"inc":14040,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3158,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":46000,"hequity":11000,"nifa":600,"net_nifa":-4400,"tfa":600,"net_tfa":-4400,"tfa_he":6600,"tw":10100,"age":31,"inc":21180,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10560,"net_nifa":10560,"tfa":10560,"net_tfa":10560,"tfa_he":10560,"tw":12893,"age":36,"inc":21021,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":10560,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":60000,"hequity":6000,"nifa":150,"net_nifa":-126,"tfa":650,"net_tfa":374,"tfa_he":6374,"tw":6374,"age":33,"inc":17229,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-126,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":4500,"hequity":55500,"nifa":1283,"net_nifa":783,"tfa":1283,"net_tfa":783,"tfa_he":56283,"tw":58283,"age":52,"inc":15306,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":783,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":18298,"net_nifa":17704,"tfa":18298,"net_tfa":17704,"tfa_he":192704,"tw":192704,"age":60,"inc":14442,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":17704,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":24000,"hmort":12000,"hequity":12000,"nifa":295,"net_nifa":-3605,"tfa":295,"net_tfa":-3605,"tfa_he":8395,"tw":8395,"age":31,"inc":17127,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3605,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42500,"hmort":42500,"hequity":0,"nifa":8600,"net_nifa":8600,"tfa":8600,"net_tfa":8600,"tfa_he":8600,"tw":17600,"age":31,"inc":37089,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":8600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":17571,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":50000,"hequity":25000,"nifa":900,"net_nifa":0,"tfa":900,"net_tfa":0,"tfa_he":25000,"tw":29670,"age":40,"inc":28095,"fsize":5,"educ":3,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":0,"net_nifa":-366,"tfa":0,"net_tfa":-366,"tfa_he":34634,"tw":34634,"age":48,"inc":12165,"fsize":5,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-366,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":500,"a401":0,"hval":46000,"hmort":46000,"hequity":0,"nifa":100,"net_nifa":-10800,"tfa":600,"net_tfa":-10300,"tfa_he":-10300,"tw":-10300,"age":30,"inc":18042,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":-10300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47500,"hmort":0,"hequity":47500,"nifa":40000,"net_nifa":39600,"tfa":40000,"net_tfa":39600,"tfa_he":87100,"tw":89100,"age":60,"inc":13245,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":39600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9400,"net_nifa":9200,"tfa":9400,"net_tfa":9200,"tfa_he":9200,"tw":15075,"age":39,"inc":55716,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":9200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22600,"net_nifa":22600,"tfa":30600,"net_tfa":30600,"tfa_he":30600,"tw":50600,"age":41,"inc":49758,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":30600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":100,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1568,"net_nifa":1268,"tfa":1668,"net_tfa":1368,"tfa_he":1368,"tw":5945,"age":29,"inc":43281,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":1368,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2750,"age":25,"inc":15456,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":35,"inc":10710,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":569,"net_nifa":-16431,"tfa":569,"net_tfa":-16431,"tfa_he":-16431,"tw":-16431,"age":33,"inc":26880,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-16431,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":118000,"hmort":50000,"hequity":68000,"nifa":99,"net_nifa":-501,"tfa":99,"net_tfa":-501,"tfa_he":67499,"tw":67499,"age":38,"inc":60096,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":6547,"age":39,"inc":14586,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":17700,"hmort":10000,"hequity":7700,"nifa":2899,"net_nifa":-3001,"tfa":2899,"net_tfa":-3001,"tfa_he":4699,"tw":30919,"age":29,"inc":39882,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-3001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":1300,"net_nifa":1300,"tfa":1300,"net_tfa":1300,"tfa_he":21300,"tw":21300,"age":55,"inc":8520,"fsize":5,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":1300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":45000,"tw":51375,"age":42,"inc":13440,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":44,"inc":7182,"fsize":5,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":65000,"hequity":110000,"nifa":16000,"net_nifa":13400,"tfa":16000,"net_tfa":13400,"tfa_he":123400,"tw":123400,"age":34,"inc":55986,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":13400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":48000,"hequity":17000,"nifa":2000,"net_nifa":-3500,"tfa":2000,"net_tfa":-3500,"tfa_he":13500,"tw":42800,"age":42,"inc":38817,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":32499,"net_nifa":32399,"tfa":62499,"net_tfa":62399,"tfa_he":122399,"tw":122399,"age":56,"inc":38766,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":62399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12200,"net_nifa":11700,"tfa":12200,"net_tfa":11700,"tfa_he":11700,"tw":11700,"age":33,"inc":47802,"fsize":6,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":11700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1020,"net_nifa":270,"tfa":1020,"net_tfa":270,"tfa_he":270,"tw":270,"age":55,"inc":21765,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":270,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1950,"net_nifa":1450,"tfa":1950,"net_tfa":1450,"tfa_he":1450,"tw":1728,"age":29,"inc":21660,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1450,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":14700,"hequity":-700,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":-400,"tw":2100,"age":29,"inc":5283,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":57000,"hequity":16000,"nifa":20973,"net_nifa":18973,"tfa":20973,"net_tfa":18973,"tfa_he":34973,"tw":40161,"age":37,"inc":20616,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":18973,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":250,"age":25,"inc":22680,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-9720,"tfa":100,"net_tfa":-9720,"tfa_he":-9720,"tw":-5645,"age":41,"inc":40467,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":-9720,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":58000,"hequity":42000,"nifa":700,"net_nifa":-17300,"tfa":700,"net_tfa":-17300,"tfa_he":24700,"tw":30700,"age":42,"inc":73362,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-17300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":20500,"hequity":44500,"nifa":600,"net_nifa":-900,"tfa":600,"net_tfa":-900,"tfa_he":43600,"tw":43600,"age":51,"inc":22500,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":40000,"tw":40000,"age":46,"inc":36072,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":47,"inc":17904,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":28368,"a401":0,"hval":185000,"hmort":17000,"hequity":168000,"nifa":48800,"net_nifa":44983,"tfa":77168,"net_tfa":73351,"tfa_he":241351,"tw":455092,"age":41,"inc":51591,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":73351,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":375,"net_nifa":-4625,"tfa":375,"net_tfa":-4625,"tfa_he":-4625,"tw":-625,"age":58,"inc":11520,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-4625,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":43,"inc":16080,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2200,"tfa":0,"net_tfa":-2200,"tfa_he":-2200,"tw":-2200,"age":29,"inc":22680,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":33750,"hmort":33750,"hequity":0,"nifa":152,"net_nifa":-148,"tfa":152,"net_tfa":-148,"tfa_he":-148,"tw":2352,"age":60,"inc":7650,"fsize":1,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-148,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":15000,"hmort":11000,"hequity":4000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":4000,"tw":4500,"age":47,"inc":6765,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":950,"net_nifa":-4900,"tfa":950,"net_tfa":-4900,"tfa_he":-4900,"tw":-2925,"age":29,"inc":19374,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-4900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":255,"net_nifa":-1245,"tfa":255,"net_tfa":-1245,"tfa_he":-1245,"tw":-1245,"age":52,"inc":21420,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-1245,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-3800,"tfa":1200,"net_tfa":-3800,"tfa_he":-3800,"tw":3253,"age":25,"inc":24630,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":164999,"net_nifa":164999,"tfa":174999,"net_tfa":174999,"tfa_he":324999,"tw":328349,"age":52,"inc":16509,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.31086,"net_n401":174999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":699,"tfa":799,"net_tfa":699,"tfa_he":699,"tw":2719,"age":27,"inc":38616,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":699,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":265,"net_nifa":-1435,"tfa":265,"net_tfa":-1435,"tfa_he":-1435,"tw":65,"age":33,"inc":18600,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1435,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-14000,"tfa":0,"net_tfa":-14000,"tfa_he":-14000,"tw":-14000,"age":35,"inc":33120,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-14000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":25500,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":11299,"net_nifa":11299,"tfa":36799,"net_tfa":36799,"tfa_he":151799,"tw":276799,"age":63,"inc":40824,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":36799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":11000,"hequity":9000,"nifa":0,"net_nifa":-6000,"tfa":0,"net_tfa":-6000,"tfa_he":3000,"tw":3600,"age":34,"inc":19890,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-6000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60500,"age":42,"inc":8937,"fsize":8,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9999,"net_nifa":-14201,"tfa":9999,"net_tfa":-14201,"tfa_he":-14201,"tw":-14201,"age":50,"inc":66360,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-14201,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":1000,"net_nifa":300,"tfa":1000,"net_tfa":300,"tfa_he":5300,"tw":14800,"age":62,"inc":26808,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":16000,"hmort":16000,"hequity":0,"nifa":1000,"net_nifa":345,"tfa":1000,"net_tfa":345,"tfa_he":345,"tw":345,"age":25,"inc":19380,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":345,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":1560,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":58000,"tw":58000,"age":32,"inc":21804,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-5450,"tfa":600,"net_tfa":-5450,"tfa_he":-5450,"tw":-1750,"age":28,"inc":30210,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-5450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":11865,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":43,"inc":11250,"fsize":5,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":8160,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2600,"tfa":0,"net_tfa":-2600,"tfa_he":-2600,"tw":-600,"age":30,"inc":8280,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-2600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":170,"age":43,"inc":3420,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1440,"net_nifa":634,"tfa":1440,"net_tfa":634,"tfa_he":634,"tw":1134,"age":32,"inc":17940,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":634,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":170000,"hmort":0,"hequity":170000,"nifa":18000,"net_nifa":18000,"tfa":33000,"net_tfa":33000,"tfa_he":203000,"tw":243000,"age":47,"inc":33687,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":33000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":13500,"net_nifa":13100,"tfa":13500,"net_tfa":13100,"tfa_he":23100,"tw":36553,"age":54,"inc":13296,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":13100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7100,"net_nifa":7100,"tfa":7100,"net_tfa":7100,"tfa_he":7100,"tw":7100,"age":32,"inc":34059,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":7100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":19500,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":11349,"net_nifa":11349,"tfa":30849,"net_tfa":30849,"tfa_he":110849,"tw":205849,"age":31,"inc":22722,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":30849,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-2900,"tfa":100,"net_tfa":-2900,"tfa_he":-2900,"tw":-1900,"age":30,"inc":31875,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-2900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":75000,"hequity":85000,"nifa":3400,"net_nifa":3400,"tfa":3400,"net_tfa":3400,"tfa_he":88400,"tw":88400,"age":34,"inc":40161,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":0,"net_nifa":-1800,"tfa":0,"net_tfa":-1800,"tfa_he":13200,"tw":13200,"age":59,"inc":14280,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-1800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":115000,"hmort":73500,"hequity":41500,"nifa":14399,"net_nifa":12399,"tfa":22399,"net_tfa":20399,"tfa_he":61899,"tw":75291,"age":36,"inc":24867,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":20399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1323,"net_nifa":-5177,"tfa":1323,"net_tfa":-5177,"tfa_he":-5177,"tw":-1511,"age":45,"inc":26700,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-5177,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":250,"age":30,"inc":6450,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":250,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":6743,"age":26,"inc":12750,"fsize":1,"educ":3,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":2875,"age":46,"inc":12018,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":555,"tfa":1000,"net_tfa":555,"tfa_he":555,"tw":555,"age":54,"inc":25500,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":555,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":26000,"hequity":39000,"nifa":8499,"net_nifa":7599,"tfa":8499,"net_tfa":7599,"tfa_he":46599,"tw":49299,"age":57,"inc":21024,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":7599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":48000,"hequity":7000,"nifa":500,"net_nifa":-4000,"tfa":500,"net_tfa":-4000,"tfa_he":3000,"tw":7256,"age":30,"inc":53040,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":50249,"tw":58710,"age":44,"inc":31635,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1800,"age":39,"inc":25416,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":72500,"hmort":72500,"hequity":0,"nifa":12507,"net_nifa":4937,"tfa":19507,"net_tfa":11937,"tfa_he":11937,"tw":21937,"age":47,"inc":23772,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":11937,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":500,"net_nifa":-7551,"tfa":500,"net_tfa":-7551,"tfa_he":7449,"tw":9649,"age":42,"inc":13200,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-7551,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1650,"net_nifa":-3350,"tfa":1650,"net_tfa":-3350,"tfa_he":-3350,"tw":4703,"age":36,"inc":28800,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-3350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":34,"inc":14304,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":32000,"a401":0,"hval":190000,"hmort":0,"hequity":190000,"nifa":40600,"net_nifa":40225,"tfa":72600,"net_tfa":72225,"tfa_he":262225,"tw":262225,"age":63,"inc":36072,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":72225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":26000,"hmort":0,"hequity":26000,"nifa":200,"net_nifa":-1450,"tfa":200,"net_tfa":-1450,"tfa_he":24550,"tw":24550,"age":63,"inc":31209,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":0,"net_nifa":-6400,"tfa":0,"net_tfa":-6400,"tfa_he":18600,"tw":18600,"age":37,"inc":16788,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-6400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":76000,"hequity":19000,"nifa":6200,"net_nifa":5419,"tfa":6200,"net_tfa":5419,"tfa_he":24419,"tw":24419,"age":46,"inc":39582,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":5419,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":12960,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":60000,"hmort":50000,"hequity":10000,"nifa":400,"net_nifa":-4400,"tfa":3400,"net_tfa":-1400,"tfa_he":8600,"tw":13600,"age":29,"inc":25308,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2710,"tfa":0,"net_tfa":-2710,"tfa_he":-2710,"tw":-2710,"age":25,"inc":21813,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2710,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":68000,"hequity":7000,"nifa":800,"net_nifa":-3200,"tfa":800,"net_tfa":-3200,"tfa_he":3800,"tw":14800,"age":28,"inc":55830,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38500,"hmort":38500,"hequity":0,"nifa":50,"net_nifa":-4750,"tfa":50,"net_tfa":-4750,"tfa_he":-4750,"tw":-4750,"age":33,"inc":38073,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-4750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":246,"a401":0,"hval":100000,"hmort":60000,"hequity":40000,"nifa":288500,"net_nifa":287500,"tfa":288746,"net_tfa":287746,"tfa_he":327746,"tw":327746,"age":62,"inc":57159,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":287746,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":130000,"hmort":62000,"hequity":68000,"nifa":6500,"net_nifa":4500,"tfa":6500,"net_tfa":4500,"tfa_he":72500,"tw":75125,"age":46,"inc":32184,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":59,"inc":18696,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":-1200,"age":31,"inc":16386,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":2200,"tfa":2200,"net_tfa":2200,"tfa_he":2200,"tw":5200,"age":29,"inc":26223,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":20000,"hequity":2000,"nifa":800,"net_nifa":600,"tfa":800,"net_tfa":600,"tfa_he":2600,"tw":6900,"age":32,"inc":17646,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49900,"hmort":10000,"hequity":39900,"nifa":45,"net_nifa":-4095,"tfa":45,"net_tfa":-4095,"tfa_he":35805,"tw":38755,"age":41,"inc":19413,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-4095,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":30600,"hequity":33400,"nifa":11,"net_nifa":-6569,"tfa":11,"net_tfa":-6569,"tfa_he":26831,"tw":26831,"age":25,"inc":14484,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-6569,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":125000,"hmort":125000,"hequity":0,"nifa":5200,"net_nifa":3000,"tfa":21200,"net_tfa":19000,"tfa_he":19000,"tw":31000,"age":56,"inc":77979,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":19000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":1063,"age":25,"inc":10200,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2932,"net_nifa":-2168,"tfa":2932,"net_tfa":-2168,"tfa_he":-2168,"tw":2732,"age":29,"inc":29994,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2168,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":14399,"net_nifa":14399,"tfa":14399,"net_tfa":14399,"tfa_he":104399,"tw":104399,"age":61,"inc":44331,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":14399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":31000,"hequity":19000,"nifa":53,"net_nifa":53,"tfa":53,"net_tfa":53,"tfa_he":19053,"tw":23303,"age":43,"inc":7569,"fsize":3,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":53,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":11000,"hmort":7000,"hequity":4000,"nifa":0,"net_nifa":-9500,"tfa":0,"net_tfa":-9500,"tfa_he":-5500,"tw":3073,"age":46,"inc":25773,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-9500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-671,"tfa":0,"net_tfa":-671,"tfa_he":-671,"tw":-671,"age":28,"inc":24990,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-671,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32900,"net_nifa":32100,"tfa":110900,"net_tfa":110100,"tfa_he":110100,"tw":119550,"age":51,"inc":58959,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.3108,"net_n401":50100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":75,"tfa":75,"net_tfa":75,"tfa_he":75,"tw":3800,"age":42,"inc":19512,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":75,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26900,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":111200,"net_nifa":111200,"tfa":138100,"net_tfa":138100,"tfa_he":183100,"tw":192100,"age":61,"inc":59946,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":138100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-2970,"tfa":400,"net_tfa":-2970,"tfa_he":-2970,"tw":-2175,"age":25,"inc":31698,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-2970,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":20028,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":45000,"hequity":10000,"nifa":500,"net_nifa":-2000,"tfa":500,"net_tfa":-2000,"tfa_he":8000,"tw":14500,"age":31,"inc":55554,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6500,"hmort":0,"hequity":6500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":6500,"tw":7800,"age":36,"inc":6240,"fsize":4,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":55000,"hequity":45000,"nifa":600,"net_nifa":-6900,"tfa":600,"net_tfa":-6900,"tfa_he":38100,"tw":39100,"age":43,"inc":16326,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-6900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":8862,"age":27,"inc":6606,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4050,"age":40,"inc":27840,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":30000,"hequity":26000,"nifa":1200,"net_nifa":-800,"tfa":1200,"net_tfa":-800,"tfa_he":25200,"tw":34200,"age":41,"inc":37584,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1600,"age":41,"inc":19215,"fsize":3,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":949,"net_nifa":549,"tfa":949,"net_tfa":549,"tfa_he":549,"tw":2049,"age":30,"inc":24627,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":549,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":6000,"tw":24550,"age":32,"inc":21930,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":6000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-2400,"tfa":1100,"net_tfa":-2400,"tfa_he":-2400,"tw":600,"age":27,"inc":28200,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-500,"tfa":100,"net_tfa":-500,"tfa_he":-500,"tw":0,"age":50,"inc":8454,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":-500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":96000,"hequity":0,"nifa":18200,"net_nifa":12700,"tfa":18200,"net_tfa":12700,"tfa_he":12700,"tw":52257,"age":47,"inc":71316,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":12700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2200,"tfa":0,"net_tfa":-2200,"tfa_he":-2200,"tw":-1950,"age":29,"inc":3840,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-2200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":900,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":155,"net_nifa":-445,"tfa":1055,"net_tfa":455,"tfa_he":455,"tw":455,"age":52,"inc":33291,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60444,"net_n401":455,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":55000,"hequity":5000,"nifa":49,"net_nifa":-1451,"tfa":49,"net_tfa":-1451,"tfa_he":3549,"tw":9933,"age":39,"inc":18990,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-1451,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1500,"tfa":1000,"net_tfa":-1500,"tfa_he":-1500,"tw":175,"age":34,"inc":30255,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":2100,"age":26,"inc":19251,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-1900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":34,"inc":24465,"fsize":3,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":17100,"tw":17100,"age":45,"inc":11868,"fsize":3,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":23190,"a401":0,"hval":90000,"hmort":62500,"hequity":27500,"nifa":8699,"net_nifa":8699,"tfa":31889,"net_tfa":31889,"tfa_he":59389,"tw":59389,"age":39,"inc":30690,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":31889,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":2000,"net_tfa":-3000,"tfa_he":-3000,"tw":53000,"age":39,"inc":1950,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.17551,"net_n401":-3000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":80000,"hequity":40000,"nifa":399,"net_nifa":-1601,"tfa":399,"net_tfa":-1601,"tfa_he":38399,"tw":38399,"age":38,"inc":48021,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1601,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":29200,"tw":31200,"age":53,"inc":20910,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":27500,"hequity":27500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":27500,"tw":27500,"age":40,"inc":8262,"fsize":5,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16600,"net_nifa":15800,"tfa":28800,"net_tfa":28000,"tfa_he":28000,"tw":88750,"age":53,"inc":39978,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":28000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":800,"age":36,"inc":4458,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":800,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":147000,"hequity":78000,"nifa":10000,"net_nifa":5000,"tfa":10000,"net_tfa":5000,"tfa_he":83000,"tw":108000,"age":47,"inc":76338,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1861,"tfa":0,"net_tfa":-1861,"tfa_he":-1861,"tw":-1861,"age":41,"inc":7650,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1861,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":30,"tfa":30,"net_tfa":30,"tfa_he":30,"tw":25530,"age":29,"inc":12756,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":30,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":26520,"fsize":4,"educ":7,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":175000,"hmort":1800,"hequity":173200,"nifa":5000,"net_nifa":2500,"tfa":7000,"net_tfa":4500,"tfa_he":177700,"tw":177700,"age":59,"inc":22119,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1205,"net_nifa":1205,"tfa":1205,"net_tfa":1205,"tfa_he":1205,"tw":1205,"age":30,"inc":25122,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1205,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":13000,"hequity":32000,"nifa":1000,"net_nifa":294,"tfa":1000,"net_tfa":294,"tfa_he":32294,"tw":33794,"age":61,"inc":19545,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":294,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1585,"age":32,"inc":27570,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":50000,"hequity":130000,"nifa":3399,"net_nifa":3199,"tfa":3399,"net_tfa":3199,"tfa_he":133199,"tw":133199,"age":39,"inc":16167,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":3199,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":0,"hval":58000,"hmort":46000,"hequity":12000,"nifa":1500,"net_nifa":-862,"tfa":7000,"net_tfa":4638,"tfa_he":16638,"tw":18188,"age":27,"inc":18075,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":4638,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":0,"hequity":76000,"nifa":2899,"net_nifa":1449,"tfa":2899,"net_tfa":1449,"tfa_he":77449,"tw":95249,"age":42,"inc":25068,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1449,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":0,"hequity":105000,"nifa":13818,"net_nifa":12618,"tfa":13818,"net_tfa":12618,"tfa_he":117618,"tw":230193,"age":59,"inc":21843,"fsize":2,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":12618,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-4100,"tfa":1200,"net_tfa":-4100,"tfa_he":-4100,"tw":7900,"age":34,"inc":37428,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-4100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":65000,"net_nifa":63800,"tfa":65000,"net_tfa":63800,"tfa_he":63800,"tw":63800,"age":29,"inc":44559,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":63800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":80000,"hequity":120000,"nifa":12675,"net_nifa":10175,"tfa":12675,"net_tfa":10175,"tfa_he":130175,"tw":142175,"age":31,"inc":65334,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":10175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":294,"net_nifa":-19706,"tfa":294,"net_tfa":-19706,"tfa_he":-19706,"tw":-19706,"age":48,"inc":32349,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-19706,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":36,"inc":21405,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":33,"inc":22161,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-3650,"tfa":650,"net_tfa":-3650,"tfa_he":-3650,"tw":-2900,"age":43,"inc":18240,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":59,"inc":58896,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":17226,"fsize":6,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":63000,"hequity":27000,"nifa":14100,"net_nifa":12300,"tfa":14100,"net_tfa":12300,"tfa_he":39300,"tw":39300,"age":33,"inc":36894,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":12300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":37000,"hequity":238000,"nifa":103000,"net_nifa":100000,"tfa":103000,"net_tfa":100000,"tfa_he":338000,"tw":345000,"age":55,"inc":93336,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":42000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":8000,"age":50,"inc":20400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":0,"hequity":27000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":27000,"tw":30350,"age":64,"inc":11475,"fsize":1,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":24500,"a401":0,"hval":190000,"hmort":72000,"hequity":118000,"nifa":400500,"net_nifa":372500,"tfa":425000,"net_tfa":397000,"tfa_he":515000,"tw":595000,"age":46,"inc":94380,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":397000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":0,"net_nifa":-50,"tfa":0,"net_tfa":-50,"tfa_he":74950,"tw":74950,"age":59,"inc":4320,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-50,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":100,"age":35,"inc":28998,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":122500,"net_nifa":122500,"tfa":142500,"net_tfa":142500,"tfa_he":157500,"tw":418500,"age":46,"inc":83085,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":142500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":12750,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":23900,"hequity":36100,"nifa":1160,"net_nifa":160,"tfa":1160,"net_tfa":160,"tfa_he":36260,"tw":36260,"age":41,"inc":16287,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":160,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":74000,"hmort":72000,"hequity":2000,"nifa":85,"net_nifa":-4165,"tfa":85,"net_tfa":-4165,"tfa_he":-2165,"tw":3335,"age":28,"inc":26931,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4165,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":47384,"net_nifa":47384,"tfa":47384,"net_tfa":47384,"tfa_he":47384,"tw":55134,"age":48,"inc":30543,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":47384,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-2490,"tfa":10,"net_tfa":-2490,"tfa_he":-2490,"tw":-1490,"age":40,"inc":20220,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2490,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-1775,"tfa":300,"net_tfa":-1775,"tfa_he":-1775,"tw":9225,"age":25,"inc":32409,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1775,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4500,"tfa":500,"net_tfa":-4500,"tfa_he":-4500,"tw":5025,"age":27,"inc":28560,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-4500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":58000,"hequity":2000,"nifa":900,"net_nifa":-3665,"tfa":900,"net_tfa":-3665,"tfa_he":-1665,"tw":735,"age":38,"inc":24879,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-3665,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3248,"net_nifa":3248,"tfa":5248,"net_tfa":5248,"tfa_he":5248,"tw":5248,"age":51,"inc":105843,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":5248,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":51000,"hequity":129000,"nifa":10,"net_nifa":-90,"tfa":10,"net_tfa":-90,"tfa_he":128910,"tw":129910,"age":50,"inc":15000,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-90,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40000,"net_nifa":40000,"tfa":40000,"net_tfa":40000,"tfa_he":40000,"tw":40000,"age":30,"inc":45960,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":40000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":440,"net_nifa":440,"tfa":440,"net_tfa":440,"tfa_he":440,"tw":940,"age":41,"inc":32472,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":440,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":290000,"hmort":87500,"hequity":202500,"nifa":50240,"net_nifa":50240,"tfa":51740,"net_tfa":51740,"tfa_he":254240,"tw":254240,"age":38,"inc":50016,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":51740,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24000,"a401":0,"hval":300000,"hmort":34950,"hequity":265050,"nifa":30600,"net_nifa":30500,"tfa":54600,"net_tfa":54500,"tfa_he":319550,"tw":404550,"age":50,"inc":27516,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":54500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":225,"net_nifa":-5141,"tfa":225,"net_tfa":-5141,"tfa_he":-5141,"tw":-5141,"age":26,"inc":22854,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-5141,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":80000,"hmort":40000,"hequity":40000,"nifa":700,"net_nifa":160,"tfa":3300,"net_tfa":2760,"tfa_he":42760,"tw":42760,"age":32,"inc":28560,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":2760,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":3500,"tfa":5000,"net_tfa":3500,"tfa_he":3500,"tw":12000,"age":27,"inc":42291,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":3500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":42000,"hequity":3000,"nifa":1800,"net_nifa":-8900,"tfa":1800,"net_tfa":-8900,"tfa_he":-5900,"tw":-4400,"age":30,"inc":24540,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-8900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6600,"a401":0,"hval":103000,"hmort":103000,"hequity":0,"nifa":11249,"net_nifa":-13751,"tfa":17849,"net_tfa":-7151,"tfa_he":-7151,"tw":39849,"age":33,"inc":76080,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-7151,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":26,"inc":12084,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-4700,"tfa":1300,"net_tfa":-4700,"tfa_he":-4700,"tw":-700,"age":37,"inc":28134,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":10000,"hequity":0,"nifa":0,"net_nifa":-2249,"tfa":0,"net_tfa":-2249,"tfa_he":-2249,"tw":-749,"age":38,"inc":10614,"fsize":3,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":17500,"hequity":12500,"nifa":2993,"net_nifa":-5007,"tfa":2993,"net_tfa":-5007,"tfa_he":7493,"tw":9493,"age":31,"inc":14763,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-5007,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2900,"tfa":3000,"net_tfa":2900,"tfa_he":2900,"tw":10600,"age":35,"inc":37380,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":2900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":41000,"hequity":5000,"nifa":4000,"net_nifa":3200,"tfa":4000,"net_tfa":3200,"tfa_he":8200,"tw":23700,"age":25,"inc":46506,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.42001,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":1500,"tw":7443,"age":50,"inc":57132,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":101,"net_nifa":-399,"tfa":101,"net_tfa":-399,"tfa_he":-399,"tw":-399,"age":25,"inc":17646,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-399,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1550,"net_nifa":50,"tfa":1550,"net_tfa":50,"tfa_he":50,"tw":10050,"age":38,"inc":53658,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-7350,"tfa":100,"net_tfa":-7350,"tfa_he":-7350,"tw":-7350,"age":30,"inc":19950,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-7350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":-3701,"tfa":299,"net_tfa":-3701,"tfa_he":-3701,"tw":-3701,"age":27,"inc":56322,"fsize":8,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-3701,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":181000,"net_nifa":175000,"tfa":195000,"net_tfa":189000,"tfa_he":259000,"tw":261000,"age":53,"inc":56997,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":189000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-10900,"tfa":0,"net_tfa":-10900,"tfa_he":-10900,"tw":-10900,"age":30,"inc":16500,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-10900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":200000,"hmort":16000,"hequity":184000,"nifa":21000,"net_nifa":21000,"tfa":51000,"net_tfa":51000,"tfa_he":235000,"tw":235000,"age":63,"inc":22422,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.37883,"net_n401":51000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":59500,"hmort":59500,"hequity":0,"nifa":433,"net_nifa":-1822,"tfa":433,"net_tfa":-1822,"tfa_he":-1822,"tw":4878,"age":30,"inc":35550,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1822,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7500,"tfa":0,"net_tfa":-7500,"tfa_he":-7500,"tw":-7500,"age":33,"inc":31260,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":300000,"hmort":140000,"hequity":160000,"nifa":3000,"net_nifa":0,"tfa":33000,"net_tfa":30000,"tfa_he":190000,"tw":227000,"age":43,"inc":110820,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":30000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":66000,"hequity":0,"nifa":1400,"net_nifa":-4600,"tfa":1400,"net_tfa":-4600,"tfa_he":-4600,"tw":600,"age":47,"inc":46485,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1700,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4200,"net_nifa":2200,"tfa":5900,"net_tfa":3900,"tfa_he":3900,"tw":3900,"age":28,"inc":26850,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":3900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":70000,"hmort":35000,"hequity":35000,"nifa":35330,"net_nifa":25330,"tfa":75330,"net_tfa":65330,"tfa_he":100330,"tw":107330,"age":42,"inc":61857,"fsize":5,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":65330,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":13500,"hequity":106500,"nifa":750,"net_nifa":-750,"tfa":750,"net_tfa":-750,"tfa_he":105750,"tw":105750,"age":56,"inc":15006,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":5691,"age":32,"inc":28629,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":55,"net_nifa":55,"tfa":55,"net_tfa":55,"tfa_he":55,"tw":55,"age":34,"inc":10767,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":55,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":999,"age":29,"inc":20670,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7090,"a401":0,"hval":64000,"hmort":57000,"hequity":7000,"nifa":52570,"net_nifa":52070,"tfa":59660,"net_tfa":59160,"tfa_he":66160,"tw":66160,"age":45,"inc":43131,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":59160,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":750,"tfa":1000,"net_tfa":750,"tfa_he":750,"tw":6750,"age":32,"inc":22500,"fsize":2,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-2300,"tfa":200,"net_tfa":-2300,"tfa_he":-2300,"tw":-2300,"age":36,"inc":19284,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-3890,"tfa":10,"net_tfa":-3890,"tfa_he":-3890,"tw":-1690,"age":46,"inc":11640,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-3890,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":126000,"hmort":126000,"hequity":0,"nifa":4000,"net_nifa":3500,"tfa":4000,"net_tfa":3500,"tfa_he":3500,"tw":15500,"age":29,"inc":130296,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":2558,"hequity":47442,"nifa":5,"net_nifa":-595,"tfa":5,"net_tfa":-595,"tfa_he":46847,"tw":50788,"age":31,"inc":31536,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-595,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":3200,"tfa":3200,"net_tfa":3200,"tfa_he":3200,"tw":3200,"age":45,"inc":15654,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":3200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":34600,"net_nifa":33600,"tfa":34600,"net_tfa":33600,"tfa_he":33600,"tw":34950,"age":37,"inc":32394,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":33600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":13596,"age":35,"inc":17640,"fsize":4,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24,"net_nifa":24,"tfa":24,"net_tfa":24,"tfa_he":24,"tw":624,"age":25,"inc":14661,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":24,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1960,"tfa":2000,"net_tfa":1960,"tfa_he":1960,"tw":3460,"age":31,"inc":17649,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":1960,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":44500,"tw":44500,"age":47,"inc":38760,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":37800,"hequity":37200,"nifa":4454,"net_nifa":454,"tfa":4454,"net_tfa":454,"tfa_he":37654,"tw":45654,"age":46,"inc":80862,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":454,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":38000,"net_nifa":37800,"tfa":58000,"net_tfa":57800,"tfa_he":57800,"tw":57800,"age":57,"inc":30675,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":57800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7,"net_nifa":7,"tfa":7,"net_tfa":7,"tfa_he":7,"tw":1007,"age":32,"inc":9228,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":7,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":32,"inc":14580,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":71200,"net_nifa":64900,"tfa":96200,"net_tfa":89900,"tfa_he":339900,"tw":342400,"age":49,"inc":23250,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":89900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6400,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":22500,"net_nifa":10200,"tfa":28900,"net_tfa":16600,"tfa_he":46600,"tw":46600,"age":25,"inc":27492,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":16600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4300,"net_nifa":-9100,"tfa":4300,"net_tfa":-9100,"tfa_he":-9100,"tw":-6675,"age":30,"inc":29364,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-9100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":6000,"age":34,"inc":29700,"fsize":9,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":28000,"hequity":22000,"nifa":9900,"net_nifa":7650,"tfa":9900,"net_tfa":7650,"tfa_he":29650,"tw":29650,"age":37,"inc":30996,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":7650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":65000,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":4160,"age":44,"inc":55800,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":20,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":68000,"hequity":22000,"nifa":50,"net_nifa":-1950,"tfa":50,"net_tfa":-1950,"tfa_he":20050,"tw":29050,"age":32,"inc":21150,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":88000,"hmort":60000,"hequity":28000,"nifa":8495,"net_nifa":-1005,"tfa":8495,"net_tfa":-1005,"tfa_he":26995,"tw":38495,"age":38,"inc":38313,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-1005,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":93000,"hmort":80000,"hequity":13000,"nifa":2499,"net_nifa":2499,"tfa":4499,"net_tfa":4499,"tfa_he":17499,"tw":29538,"age":30,"inc":69750,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":100300,"tw":110497,"age":46,"inc":21936,"fsize":6,"educ":2,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1203,"tfa":0,"net_tfa":-1203,"tfa_he":-1203,"tw":187,"age":51,"inc":9720,"fsize":6,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-1203,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":990,"net_nifa":-2710,"tfa":8990,"net_tfa":5290,"tfa_he":55290,"tw":67290,"age":52,"inc":47295,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":5290,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-134,"tfa":0,"net_tfa":-134,"tfa_he":-134,"tw":11866,"age":30,"inc":29526,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-134,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-11600,"tfa":100,"net_tfa":-11600,"tfa_he":-11600,"tw":-6600,"age":26,"inc":25980,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-11600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":0,"hequity":210000,"nifa":24999,"net_nifa":23149,"tfa":24999,"net_tfa":23149,"tfa_he":233149,"tw":239699,"age":60,"inc":22512,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":23149,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":6900,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16749,"net_nifa":16749,"tfa":19249,"net_tfa":19249,"tfa_he":19249,"tw":19249,"age":58,"inc":13065,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":19249,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":46000,"hequity":29000,"nifa":1100,"net_nifa":-2700,"tfa":1100,"net_tfa":-2700,"tfa_he":26300,"tw":31800,"age":30,"inc":45810,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":31000,"hequity":11000,"nifa":700,"net_nifa":-1300,"tfa":700,"net_tfa":-1300,"tfa_he":9700,"tw":9700,"age":62,"inc":25500,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":55000,"hequity":0,"nifa":2700,"net_nifa":-1300,"tfa":2700,"net_tfa":-1300,"tfa_he":-1300,"tw":-1300,"age":49,"inc":19734,"fsize":7,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1875,"tfa":0,"net_tfa":-1875,"tfa_he":-1875,"tw":3125,"age":54,"inc":26136,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1875,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3000,"tw":2596,"age":54,"inc":14871,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":48000,"hequity":32000,"nifa":17000,"net_nifa":16600,"tfa":17000,"net_tfa":16600,"tfa_he":48600,"tw":248600,"age":30,"inc":27192,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":16600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":71000,"hequity":39000,"nifa":4950,"net_nifa":4210,"tfa":4950,"net_tfa":4210,"tfa_he":43210,"tw":60209,"age":42,"inc":57180,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":4210,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":39000,"hequity":0,"nifa":20,"net_nifa":-3601,"tfa":20,"net_tfa":-3601,"tfa_he":-3601,"tw":-3601,"age":36,"inc":26370,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3601,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":4924,"tfa":5000,"net_tfa":4924,"tfa_he":4924,"tw":6849,"age":48,"inc":11244,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":4924,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":0,"hval":150000,"hmort":71000,"hequity":79000,"nifa":2999,"net_nifa":-7001,"tfa":3999,"net_tfa":-6001,"tfa_he":72999,"tw":72999,"age":45,"inc":58578,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":-6001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1598,"net_nifa":-1502,"tfa":1598,"net_tfa":-1502,"tfa_he":-1502,"tw":-1502,"age":29,"inc":21021,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-1502,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":35000,"hequity":35000,"nifa":600,"net_nifa":500,"tfa":600,"net_tfa":500,"tfa_he":35500,"tw":35500,"age":61,"inc":11424,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13000,"a401":0,"hval":75000,"hmort":54000,"hequity":21000,"nifa":4600,"net_nifa":3400,"tfa":17600,"net_tfa":16400,"tfa_he":37400,"tw":37400,"age":44,"inc":36060,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":16400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":19900,"hequity":70100,"nifa":36,"net_nifa":-1564,"tfa":36,"net_tfa":-1564,"tfa_he":68536,"tw":69536,"age":49,"inc":22395,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1564,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":20400,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":46200,"hequity":29800,"nifa":3975,"net_nifa":3975,"tfa":3975,"net_tfa":3975,"tfa_he":33775,"tw":43864,"age":61,"inc":57060,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":3975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":3700,"age":50,"inc":28254,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":10506,"fsize":5,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":21807,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":46000,"hequity":2000,"nifa":55,"net_nifa":-1345,"tfa":55,"net_tfa":-1345,"tfa_he":655,"tw":4355,"age":31,"inc":15990,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-1345,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":200,"net_nifa":-300,"tfa":200,"net_tfa":-300,"tfa_he":59700,"tw":170900,"age":39,"inc":43230,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":13000,"tfa":13000,"net_tfa":13000,"tfa_he":13000,"tw":15500,"age":51,"inc":34656,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":13000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":85000,"hmort":16000,"hequity":69000,"nifa":2200,"net_nifa":-300,"tfa":4700,"net_tfa":2200,"tfa_he":71200,"tw":73533,"age":48,"inc":28812,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":9000,"hmort":0,"hequity":9000,"nifa":1750,"net_nifa":1150,"tfa":1750,"net_tfa":1150,"tfa_he":10150,"tw":20500,"age":37,"inc":12852,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":12000,"hequity":2000,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":1200,"tw":1200,"age":35,"inc":23520,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":3800,"hequity":1200,"nifa":0,"net_nifa":-150,"tfa":0,"net_tfa":-150,"tfa_he":1050,"tw":1550,"age":27,"inc":15888,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":37000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":49999,"net_nifa":49999,"tfa":86999,"net_tfa":86999,"tfa_he":386999,"tw":386999,"age":61,"inc":33636,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":86999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":45,"inc":26340,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16042,"net_nifa":15042,"tfa":16042,"net_tfa":15042,"tfa_he":15042,"tw":15042,"age":31,"inc":13029,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":15042,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":90000,"hmort":62000,"hequity":28000,"nifa":1199,"net_nifa":649,"tfa":6199,"net_tfa":5649,"tfa_he":33649,"tw":38649,"age":45,"inc":35580,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":5649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":31,"inc":13116,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":-1801,"tfa":99,"net_tfa":-1801,"tfa_he":-1801,"tw":-1801,"age":27,"inc":14286,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-1801,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":109000,"hmort":48973,"hequity":60027,"nifa":3129,"net_nifa":3129,"tfa":3129,"net_tfa":3129,"tfa_he":63156,"tw":66506,"age":25,"inc":18162,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":3129,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":6799,"net_nifa":6499,"tfa":6799,"net_tfa":6499,"tfa_he":13499,"tw":13699,"age":37,"inc":18696,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.15826,"net_n401":6499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":12100,"net_nifa":11400,"tfa":12100,"net_tfa":11400,"tfa_he":76400,"tw":76400,"age":37,"inc":35226,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10400,"a401":0,"hval":32000,"hmort":0,"hequity":32000,"nifa":8100,"net_nifa":8100,"tfa":18500,"net_tfa":18500,"tfa_he":50500,"tw":81700,"age":58,"inc":22443,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":18500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":39000,"hequity":21000,"nifa":30,"net_nifa":-2681,"tfa":30,"net_tfa":-2681,"tfa_he":18319,"tw":22069,"age":39,"inc":21459,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-2681,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":35000,"hequity":65000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":65000,"tw":70350,"age":55,"inc":16710,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-3500,"tfa":1500,"net_tfa":-3500,"tfa_he":-3500,"tw":0,"age":31,"inc":35739,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-3500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8800,"a401":0,"hval":98000,"hmort":0,"hequity":98000,"nifa":23297,"net_nifa":23297,"tfa":32097,"net_tfa":32097,"tfa_he":130097,"tw":139597,"age":59,"inc":46926,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":32097,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25000,"net_nifa":25000,"tfa":25000,"net_tfa":25000,"tfa_he":25000,"tw":41000,"age":30,"inc":49200,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":25000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":36000,"hequity":99000,"nifa":1800,"net_nifa":1500,"tfa":1800,"net_tfa":1500,"tfa_he":100500,"tw":100500,"age":31,"inc":22959,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":-17550,"tfa":550,"net_tfa":-17550,"tfa_he":-17550,"tw":-9550,"age":45,"inc":48000,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-17550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4575,"age":27,"inc":39000,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28500,"hmort":24000,"hequity":4500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":4500,"tw":16000,"age":44,"inc":18600,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17499,"net_nifa":16699,"tfa":17499,"net_tfa":16699,"tfa_he":16699,"tw":19032,"age":26,"inc":29700,"fsize":1,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":16699,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":2649,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":13800,"a401":0,"hval":131000,"hmort":131000,"hequity":0,"nifa":30000,"net_nifa":26000,"tfa":43800,"net_tfa":39800,"tfa_he":39800,"tw":332800,"age":49,"inc":77466,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":39800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":57000,"hequity":3000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":3100,"tw":6650,"age":38,"inc":21978,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":61000,"hequity":9000,"nifa":15050,"net_nifa":11350,"tfa":15050,"net_tfa":11350,"tfa_he":20350,"tw":20350,"age":32,"inc":24807,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":11350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":22000,"hequity":18000,"nifa":1000,"net_nifa":-3300,"tfa":1000,"net_tfa":-3300,"tfa_he":14700,"tw":14700,"age":58,"inc":27639,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-3099,"tfa":50,"net_tfa":-3099,"tfa_he":-3099,"tw":-1749,"age":32,"inc":16758,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-3099,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":15000,"hequity":27000,"nifa":1749,"net_nifa":249,"tfa":1749,"net_tfa":249,"tfa_he":27249,"tw":33249,"age":52,"inc":22047,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":6233,"age":28,"inc":43230,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":15500,"hequity":22500,"nifa":0,"net_nifa":-4000,"tfa":0,"net_tfa":-4000,"tfa_he":18500,"tw":18500,"age":39,"inc":11205,"fsize":5,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-4000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":700,"age":28,"inc":2970,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":100000,"hmort":80000,"hequity":20000,"nifa":4900,"net_nifa":4400,"tfa":10900,"net_tfa":10400,"tfa_he":30400,"tw":102900,"age":52,"inc":44271,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":10400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1930,"tfa":2000,"net_tfa":1930,"tfa_he":1930,"tw":9026,"age":25,"inc":16032,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1930,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":2700,"tfa":2700,"net_tfa":2700,"tfa_he":2700,"tw":7942,"age":34,"inc":21387,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":2700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":68000,"hequity":7000,"nifa":3356,"net_nifa":2056,"tfa":3356,"net_tfa":2056,"tfa_he":9056,"tw":9056,"age":40,"inc":32205,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":2056,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":60000,"hequity":5000,"nifa":848,"net_nifa":-4152,"tfa":848,"net_tfa":-4152,"tfa_he":848,"tw":14848,"age":35,"inc":24159,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4152,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":110000,"tw":112350,"age":60,"inc":15723,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":240000,"hmort":30000,"hequity":210000,"nifa":47998,"net_nifa":47998,"tfa":47998,"net_tfa":47998,"tfa_he":257998,"tw":283998,"age":62,"inc":23100,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":47998,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":73000,"hmort":40000,"hequity":33000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":35999,"tw":45899,"age":39,"inc":28740,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25500,"net_nifa":24100,"tfa":25500,"net_tfa":24100,"tfa_he":24100,"tw":35775,"age":49,"inc":45600,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":24100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-325,"age":29,"inc":14580,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":70000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":36,"inc":24000,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":15500,"age":44,"inc":17214,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":65000,"hmort":12000,"hequity":53000,"nifa":108,"net_nifa":-392,"tfa":3108,"net_tfa":2608,"tfa_he":55608,"tw":55608,"age":53,"inc":20406,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2608,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15399,"net_nifa":11599,"tfa":15399,"net_tfa":11599,"tfa_he":11599,"tw":11599,"age":37,"inc":38697,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":11599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":54900,"hequity":20100,"nifa":11500,"net_nifa":7300,"tfa":11500,"net_tfa":7300,"tfa_he":27400,"tw":55400,"age":37,"inc":37920,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50500,"hequity":14500,"nifa":10999,"net_nifa":10999,"tfa":10999,"net_tfa":10999,"tfa_he":25499,"tw":25499,"age":47,"inc":56976,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":10999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":15000,"hequity":45000,"nifa":90349,"net_nifa":90349,"tfa":90349,"net_tfa":90349,"tfa_he":135349,"tw":141724,"age":35,"inc":54960,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":90349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":60000,"hequity":30000,"nifa":570,"net_nifa":-10430,"tfa":570,"net_tfa":-10430,"tfa_he":19570,"tw":28313,"age":27,"inc":47340,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":-10430,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":60,"inc":5520,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":47500,"hmort":22000,"hequity":25500,"nifa":0,"net_nifa":-38890,"tfa":0,"net_tfa":-38890,"tfa_he":-13390,"tw":-7702,"age":52,"inc":15909,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-38890,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":57500,"tw":57500,"age":64,"inc":26424,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":44560,"hequity":45440,"nifa":900,"net_nifa":850,"tfa":900,"net_tfa":850,"tfa_he":46290,"tw":47040,"age":59,"inc":18564,"fsize":4,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":68000,"hmort":68000,"hequity":0,"nifa":12700,"net_nifa":10700,"tfa":12700,"net_tfa":10700,"tfa_he":10700,"tw":20700,"age":42,"inc":40500,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8,"net_nifa":8,"tfa":8,"net_tfa":8,"tfa_he":8,"tw":8,"age":50,"inc":3684,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":8,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":20000,"hequity":43000,"nifa":750,"net_nifa":-750,"tfa":750,"net_tfa":-750,"tfa_he":42250,"tw":47492,"age":59,"inc":21366,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":35000,"hequity":45000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":45000,"tw":46500,"age":29,"inc":10200,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":649,"net_nifa":-551,"tfa":649,"net_tfa":-551,"tfa_he":-551,"tw":287,"age":52,"inc":37320,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-551,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":45000,"hequity":205000,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":201100,"tw":206100,"age":26,"inc":28320,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":14800,"net_nifa":12300,"tfa":20800,"net_tfa":18300,"tfa_he":63300,"tw":73500,"age":54,"inc":45225,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":18300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":992,"net_nifa":892,"tfa":992,"net_tfa":892,"tfa_he":892,"tw":2442,"age":26,"inc":22338,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":892,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3300,"a401":0,"hval":140000,"hmort":22000,"hequity":118000,"nifa":5500,"net_nifa":4500,"tfa":8800,"net_tfa":7800,"tfa_he":125800,"tw":131800,"age":56,"inc":32148,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-2500,"tfa":3500,"net_tfa":-500,"tfa_he":-500,"tw":2233,"age":32,"inc":30669,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.29063,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48500,"hmort":20500,"hequity":28000,"nifa":249,"net_nifa":-5851,"tfa":249,"net_tfa":-5851,"tfa_he":22149,"tw":22149,"age":36,"inc":15045,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-5851,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":42000,"hequity":23000,"nifa":106,"net_nifa":-1694,"tfa":106,"net_tfa":-1694,"tfa_he":21306,"tw":27306,"age":38,"inc":51432,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":-1694,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":64000,"hequity":3000,"nifa":1628,"net_nifa":-6072,"tfa":1628,"net_tfa":-6072,"tfa_he":-3072,"tw":32928,"age":30,"inc":39957,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6072,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":31671,"a401":0,"hval":162000,"hmort":100000,"hequity":62000,"nifa":105000,"net_nifa":101000,"tfa":136671,"net_tfa":132671,"tfa_he":194671,"tw":259267,"age":52,"inc":38832,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":132671,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":18200,"hequity":7800,"nifa":1130,"net_nifa":-18880,"tfa":1130,"net_tfa":-18880,"tfa_he":-11080,"tw":-11080,"age":35,"inc":42930,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-18880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":52500,"hequity":92500,"nifa":5999,"net_nifa":4629,"tfa":5999,"net_tfa":4629,"tfa_he":97129,"tw":97129,"age":28,"inc":48900,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":4629,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":3650,"age":42,"inc":35700,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":1199,"net_nifa":-11501,"tfa":1199,"net_tfa":-11501,"tfa_he":88499,"tw":88499,"age":46,"inc":33726,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-11501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":60000,"hequity":5000,"nifa":1149,"net_nifa":-2551,"tfa":1149,"net_tfa":-2551,"tfa_he":2449,"tw":2849,"age":64,"inc":12069,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2551,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":36000,"a401":0,"hval":25000,"hmort":10000,"hequity":15000,"nifa":222999,"net_nifa":214999,"tfa":258999,"net_tfa":250999,"tfa_he":265999,"tw":465999,"age":50,"inc":162597,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":250999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":55900,"hequity":3100,"nifa":1500,"net_nifa":-8300,"tfa":1500,"net_tfa":-8300,"tfa_he":-5200,"tw":-5200,"age":36,"inc":26772,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-8300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":18000,"hequity":37000,"nifa":8099,"net_nifa":5399,"tfa":8099,"net_tfa":5399,"tfa_he":42399,"tw":42399,"age":48,"inc":30831,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":56000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":151800,"net_nifa":151750,"tfa":207800,"net_tfa":207750,"tfa_he":207750,"tw":207750,"age":62,"inc":49788,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":207750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-8400,"tfa":3400,"net_tfa":-6600,"tfa_he":-6600,"tw":-3250,"age":50,"inc":19965,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":-6600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":32000,"hequity":3000,"nifa":999,"net_nifa":499,"tfa":999,"net_tfa":499,"tfa_he":3499,"tw":3499,"age":32,"inc":43146,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":39,"inc":9600,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":34000,"hequity":18000,"nifa":2300,"net_nifa":2200,"tfa":2300,"net_tfa":2200,"tfa_he":20200,"tw":25661,"age":29,"inc":8379,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":2200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":70000,"hmort":40500,"hequity":29500,"nifa":0,"net_nifa":-8400,"tfa":6000,"net_tfa":-2400,"tfa_he":27100,"tw":27100,"age":54,"inc":61692,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2391,"net_nifa":-4609,"tfa":2391,"net_tfa":-4609,"tfa_he":-4609,"tw":61391,"age":36,"inc":72069,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-4609,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-3345,"tfa":5,"net_tfa":-3345,"tfa_he":-3345,"tw":5155,"age":41,"inc":7797,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-3345,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2,"net_nifa":-3088,"tfa":2,"net_tfa":-3088,"tfa_he":-3088,"tw":-3088,"age":45,"inc":28944,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3088,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":600,"age":60,"inc":3825,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":150000,"hmort":98000,"hequity":52000,"nifa":20100,"net_nifa":20100,"tfa":22100,"net_tfa":22100,"tfa_he":74100,"tw":77450,"age":35,"inc":53010,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":22100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":2650,"age":31,"inc":10755,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":30000,"hequity":5000,"nifa":1000,"net_nifa":540,"tfa":1000,"net_tfa":540,"tfa_he":5540,"tw":7540,"age":27,"inc":24840,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":540,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":9900,"hequity":10100,"nifa":15,"net_nifa":-2085,"tfa":15,"net_tfa":-2085,"tfa_he":8015,"tw":8015,"age":40,"inc":9000,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":-2085,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":55500,"hequity":69500,"nifa":26200,"net_nifa":26200,"tfa":26200,"net_tfa":26200,"tfa_he":95700,"tw":95700,"age":59,"inc":28284,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":26200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":799,"tfa":799,"net_tfa":799,"tfa_he":799,"tw":9260,"age":37,"inc":13185,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":799,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":29900,"hequity":9100,"nifa":0,"net_nifa":-5850,"tfa":0,"net_tfa":-5850,"tfa_he":3250,"tw":11100,"age":36,"inc":19170,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-5850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":6500,"age":31,"inc":18819,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-11179,"tfa":0,"net_tfa":-11179,"tfa_he":-11179,"tw":-11179,"age":46,"inc":6900,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-11179,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":65100,"tw":65100,"age":45,"inc":34731,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-2350,"tfa":400,"net_tfa":-2350,"tfa_he":-2350,"tw":-2350,"age":36,"inc":14646,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-2350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19750,"net_nifa":19650,"tfa":19750,"net_tfa":19650,"tfa_he":19650,"tw":19650,"age":61,"inc":17253,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":19650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":61000,"net_nifa":60000,"tfa":75000,"net_tfa":74000,"tfa_he":224000,"tw":464500,"age":31,"inc":105567,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":74000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":100,"a401":0,"hval":68500,"hmort":25000,"hequity":43500,"nifa":1549,"net_nifa":349,"tfa":1649,"net_tfa":449,"tfa_he":43949,"tw":43949,"age":43,"inc":27792,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":449,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":23000,"hequity":17000,"nifa":10,"net_nifa":-5390,"tfa":10,"net_tfa":-5390,"tfa_he":11610,"tw":11610,"age":43,"inc":58599,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5390,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":38500,"hequity":31500,"nifa":3700,"net_nifa":3700,"tfa":3700,"net_tfa":3700,"tfa_he":35200,"tw":37200,"age":29,"inc":42510,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":28000,"hequity":14000,"nifa":98,"net_nifa":-5475,"tfa":98,"net_tfa":-5475,"tfa_he":8525,"tw":10525,"age":60,"inc":25650,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-5475,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":160,"net_nifa":-8840,"tfa":160,"net_tfa":-8840,"tfa_he":-8840,"tw":-590,"age":45,"inc":21150,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-8840,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":150000,"tw":150000,"age":37,"inc":9450,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":32000,"hequity":8000,"nifa":2500,"net_nifa":-5700,"tfa":2500,"net_tfa":-5700,"tfa_he":2300,"tw":6133,"age":41,"inc":6741,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-5700,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":12000,"net_nifa":7450,"tfa":12000,"net_tfa":7450,"tfa_he":37450,"tw":37450,"age":34,"inc":20199,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":7450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":15834,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":15200,"hequity":84800,"nifa":100,"net_nifa":-700,"tfa":100,"net_tfa":-700,"tfa_he":84100,"tw":169100,"age":32,"inc":24000,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":9000,"hmort":12000,"hequity":-3000,"nifa":500,"net_nifa":-3500,"tfa":500,"net_tfa":-3500,"tfa_he":-6500,"tw":-6700,"age":43,"inc":14700,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-3500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":21510,"age":47,"inc":8694,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":10932,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5200,"a401":0,"hval":55000,"hmort":29000,"hequity":26000,"nifa":5999,"net_nifa":5999,"tfa":11199,"net_tfa":11199,"tfa_he":37199,"tw":49199,"age":37,"inc":43968,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":11199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":0,"hequity":3000,"nifa":41,"net_nifa":-1195,"tfa":41,"net_tfa":-1195,"tfa_he":1805,"tw":1805,"age":30,"inc":19239,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1195,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1230,"net_nifa":-16270,"tfa":1230,"net_tfa":-16270,"tfa_he":-16270,"tw":-15070,"age":25,"inc":19131,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-16270,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":100000,"hmort":65000,"hequity":35000,"nifa":80200,"net_nifa":72700,"tfa":89200,"net_tfa":81700,"tfa_he":116700,"tw":179300,"age":51,"inc":56883,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.48688,"net_n401":81700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":57000,"hmort":48000,"hequity":9000,"nifa":200,"net_nifa":200,"tfa":4200,"net_tfa":4200,"tfa_he":13200,"tw":14000,"age":28,"inc":48060,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":50000,"hequity":90000,"nifa":21299,"net_nifa":13409,"tfa":21299,"net_tfa":13409,"tfa_he":103409,"tw":103409,"age":35,"inc":35283,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":13409,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5100,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19252,"net_nifa":19252,"tfa":24352,"net_tfa":24352,"tfa_he":24352,"tw":28877,"age":25,"inc":43050,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":24352,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":18000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":22000,"tw":25500,"age":33,"inc":12837,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":53000,"hequity":5000,"nifa":875,"net_nifa":875,"tfa":875,"net_tfa":875,"tfa_he":5875,"tw":7375,"age":34,"inc":15300,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":875,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11373,"net_nifa":1673,"tfa":14773,"net_tfa":5073,"tfa_he":5073,"tw":25573,"age":39,"inc":68712,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":5073,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":-612,"tfa":750,"net_tfa":-612,"tfa_he":-612,"tw":19,"age":28,"inc":15045,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-612,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-7996,"tfa":800,"net_tfa":-7996,"tfa_he":-7996,"tw":-7996,"age":51,"inc":25200,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-7996,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12500,"a401":0,"hval":130000,"hmort":82663,"hequity":47337,"nifa":29049,"net_nifa":29049,"tfa":41549,"net_tfa":41549,"tfa_he":88886,"tw":104861,"age":39,"inc":84111,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":41549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6899,"net_nifa":-101,"tfa":6899,"net_tfa":-101,"tfa_he":-101,"tw":3899,"age":29,"inc":29424,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":-101,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-3200,"tfa":2000,"net_tfa":-3200,"tfa_he":-3200,"tw":1300,"age":31,"inc":51615,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":779,"a401":0,"hval":50000,"hmort":50000,"hequity":0,"nifa":720,"net_nifa":-80,"tfa":1499,"net_tfa":699,"tfa_he":699,"tw":5568,"age":35,"inc":22113,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":699,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":38500,"hequity":101500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":101500,"tw":105943,"age":48,"inc":23634,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1450,"tfa":50,"net_tfa":-1450,"tfa_he":-1450,"tw":-1450,"age":56,"inc":8160,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1450,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":25,"tfa":25,"net_tfa":25,"tfa_he":25,"tw":25,"age":56,"inc":24744,"fsize":2,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":25,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1100,"tfa":100,"net_tfa":-1100,"tfa_he":-1100,"tw":4450,"age":45,"inc":28524,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-1100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":39900,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":27526,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11909,"net_nifa":11663,"tfa":39435,"net_tfa":39189,"tfa_he":39189,"tw":44292,"age":38,"inc":45336,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":39189,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":74000,"hequity":16000,"nifa":17000,"net_nifa":15000,"tfa":17000,"net_tfa":15000,"tfa_he":31000,"tw":39500,"age":34,"inc":62436,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":29999,"net_nifa":29999,"tfa":41499,"net_tfa":41499,"tfa_he":41499,"tw":41999,"age":61,"inc":22893,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":41499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":38,"inc":18540,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":18999,"net_nifa":15999,"tfa":18999,"net_tfa":15999,"tfa_he":165999,"tw":165999,"age":55,"inc":22740,"fsize":7,"educ":4,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":15999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":10000,"tfa":10000,"net_tfa":10000,"tfa_he":10000,"tw":10000,"age":35,"inc":46278,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":10000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":20000,"net_nifa":16000,"tfa":20000,"net_tfa":16000,"tfa_he":24000,"tw":28000,"age":42,"inc":36600,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":4600,"net_nifa":4600,"tfa":9600,"net_tfa":9600,"tfa_he":49600,"tw":77200,"age":59,"inc":23445,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":9600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1431,"tfa":0,"net_tfa":-1431,"tfa_he":-1431,"tw":-431,"age":25,"inc":26796,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-1431,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":50000,"hequity":180000,"nifa":225,"net_nifa":-1030,"tfa":225,"net_tfa":-1030,"tfa_he":178970,"tw":180170,"age":46,"inc":17652,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1030,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":3000,"age":32,"inc":13452,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":135000,"hmort":97600,"hequity":37400,"nifa":32000,"net_nifa":31500,"tfa":54000,"net_tfa":53500,"tfa_he":90900,"tw":106953,"age":32,"inc":69630,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":53500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":12000,"hequity":13000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":13050,"tw":14800,"age":30,"inc":18360,"fsize":3,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":36000,"hequity":9000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":10000,"tw":11800,"age":41,"inc":46791,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":51500,"hequity":68500,"nifa":1177,"net_nifa":-9123,"tfa":1177,"net_tfa":-9123,"tfa_he":59377,"tw":68377,"age":43,"inc":47457,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-9123,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":19000,"hequity":23000,"nifa":0,"net_nifa":-11000,"tfa":0,"net_tfa":-11000,"tfa_he":12000,"tw":30700,"age":51,"inc":18264,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-11000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":56000,"hmort":36000,"hequity":20000,"nifa":11000,"net_nifa":11000,"tfa":13500,"net_tfa":13500,"tfa_he":33500,"tw":33500,"age":37,"inc":25800,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":13500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":62000,"hequity":28000,"nifa":1200,"net_nifa":-13300,"tfa":1200,"net_tfa":-13300,"tfa_he":14700,"tw":27700,"age":38,"inc":62703,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-13300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":50000,"hequity":175000,"nifa":18000,"net_nifa":17700,"tfa":18000,"net_tfa":17700,"tfa_he":192700,"tw":192700,"age":41,"inc":61953,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":17700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":30000,"hequity":46000,"nifa":11275,"net_nifa":10690,"tfa":11275,"net_tfa":10690,"tfa_he":56690,"tw":56690,"age":48,"inc":43050,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":10690,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24999,"net_nifa":24999,"tfa":24999,"net_tfa":24999,"tfa_he":24999,"tw":26499,"age":28,"inc":33900,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":24999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":63950,"hequity":11050,"nifa":20000,"net_nifa":20000,"tfa":20000,"net_tfa":20000,"tfa_he":31050,"tw":38516,"age":25,"inc":33360,"fsize":7,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":47000,"net_nifa":47000,"tfa":47000,"net_tfa":47000,"tfa_he":347000,"tw":347000,"age":56,"inc":91692,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":47000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12500,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":66300,"net_nifa":65800,"tfa":78800,"net_tfa":78300,"tfa_he":153300,"tw":203300,"age":32,"inc":83652,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":78300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":192000,"net_nifa":182000,"tfa":214000,"net_tfa":204000,"tfa_he":284000,"tw":386000,"age":35,"inc":54300,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":204000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3800,"net_nifa":-1400,"tfa":3800,"net_tfa":-1400,"tfa_he":-1400,"tw":1100,"age":31,"inc":32082,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-4900,"tfa":2100,"net_tfa":-4900,"tfa_he":-4900,"tw":-4400,"age":28,"inc":20460,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-4900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":40000,"hequity":40000,"nifa":600,"net_nifa":-100,"tfa":600,"net_tfa":-100,"tfa_he":39900,"tw":54900,"age":40,"inc":58320,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-20850,"tfa":150,"net_tfa":-20850,"tfa_he":-20850,"tw":-20850,"age":31,"inc":7650,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-20850,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-4050,"tfa":150,"net_tfa":-4050,"tfa_he":-4050,"tw":2203,"age":40,"inc":35475,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-4050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":71900,"hmort":60000,"hequity":11900,"nifa":7332,"net_nifa":5756,"tfa":7332,"net_tfa":5756,"tfa_he":17656,"tw":36656,"age":53,"inc":70374,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":5756,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":7000,"tfa":8000,"net_tfa":7000,"tfa_he":7000,"tw":8000,"age":25,"inc":24480,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":7000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6658,"net_nifa":5158,"tfa":6658,"net_tfa":5158,"tfa_he":5158,"tw":24158,"age":30,"inc":47046,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":5158,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18698,"a401":0,"hval":130000,"hmort":126000,"hequity":4000,"nifa":34560,"net_nifa":34560,"tfa":53258,"net_tfa":53258,"tfa_he":57258,"tw":69258,"age":37,"inc":85926,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":53258,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":7550,"net_nifa":7550,"tfa":25550,"net_tfa":25550,"tfa_he":225550,"tw":318150,"age":60,"inc":3555,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.20883,"net_n401":25550,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-1900,"tfa":800,"net_tfa":-1900,"tfa_he":-1900,"tw":-575,"age":25,"inc":31956,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":58743,"age":57,"inc":18630,"fsize":1,"educ":4,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":9855,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1500,"tfa":100,"net_tfa":-1500,"tfa_he":-1500,"tw":-1500,"age":30,"inc":11256,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":6500,"net_nifa":6350,"tfa":6500,"net_tfa":6350,"tfa_he":51350,"tw":53850,"age":35,"inc":43050,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":6350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":23000,"hequity":5000,"nifa":0,"net_nifa":-1800,"tfa":0,"net_tfa":-1800,"tfa_he":3200,"tw":4000,"age":47,"inc":6435,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-1800,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":0,"hequity":42000,"nifa":16520,"net_nifa":15970,"tfa":16520,"net_tfa":15970,"tfa_he":57970,"tw":60470,"age":37,"inc":7182,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.03663,"net_n401":15970,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":53,"net_nifa":-1847,"tfa":53,"net_tfa":-1847,"tfa_he":-1847,"tw":-1347,"age":54,"inc":4917,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-1847,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":33750,"hmort":33750,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4000,"age":55,"inc":22656,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":898,"net_nifa":-1102,"tfa":898,"net_tfa":-1102,"tfa_he":48898,"tw":48898,"age":37,"inc":31200,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-1102,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":110000,"hequity":0,"nifa":4549,"net_nifa":-10491,"tfa":4549,"net_tfa":-10491,"tfa_he":-10491,"tw":-3491,"age":36,"inc":36267,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-10491,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5678,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":33000,"net_nifa":33000,"tfa":38678,"net_tfa":38678,"tfa_he":38678,"tw":46678,"age":32,"inc":93954,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":38678,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":-5300,"tfa":0,"net_tfa":-5300,"tfa_he":69700,"tw":69700,"age":54,"inc":40320,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":44998,"net_nifa":43198,"tfa":44998,"net_tfa":43198,"tfa_he":43198,"tw":43198,"age":47,"inc":84378,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.45726,"net_n401":43198,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":54000,"hequity":6000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":6200,"tw":6200,"age":44,"inc":34539,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-450,"tfa":0,"net_tfa":-450,"tfa_he":-450,"tw":-450,"age":31,"inc":12816,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":155000,"hmort":0,"hequity":155000,"nifa":80000,"net_nifa":78600,"tfa":89000,"net_tfa":87600,"tfa_he":242600,"tw":248842,"age":60,"inc":42288,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":87600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":1350,"age":35,"inc":17913,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":115000,"hmort":31000,"hequity":84000,"nifa":20400,"net_nifa":20400,"tfa":38400,"net_tfa":38400,"tfa_he":122400,"tw":147200,"age":41,"inc":54210,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":38400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":84077,"hequity":55923,"nifa":450,"net_nifa":-22663,"tfa":450,"net_tfa":-22663,"tfa_he":33260,"tw":139560,"age":43,"inc":27489,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-22663,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":27000,"hequity":3000,"nifa":2300,"net_nifa":1650,"tfa":2300,"net_tfa":1650,"tfa_he":4650,"tw":19650,"age":34,"inc":21348,"fsize":4,"educ":2,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":105000,"hequity":15000,"nifa":99,"net_nifa":-1401,"tfa":99,"net_tfa":-1401,"tfa_he":13599,"tw":13599,"age":28,"inc":54456,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1401,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":61000,"hequity":8000,"nifa":174,"net_nifa":-16826,"tfa":174,"net_tfa":-16826,"tfa_he":-8826,"tw":-8826,"age":34,"inc":15120,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-16826,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":39500,"hequity":3500,"nifa":900,"net_nifa":-2719,"tfa":900,"net_tfa":-2719,"tfa_he":781,"tw":5581,"age":27,"inc":25971,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-2719,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":158000,"hmort":33400,"hequity":124600,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":125600,"tw":126100,"age":63,"inc":19764,"fsize":6,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6030,"net_nifa":6030,"tfa":6030,"net_tfa":6030,"tfa_he":6030,"tw":12905,"age":33,"inc":16452,"fsize":1,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":6030,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":20000,"hequity":5000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":5050,"tw":5550,"age":52,"inc":21240,"fsize":3,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":9453,"age":32,"inc":9774,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":1000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":60000,"hmort":16800,"hequity":43200,"nifa":8400,"net_nifa":3900,"tfa":24400,"net_tfa":19900,"tfa_he":63100,"tw":65500,"age":54,"inc":26760,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":19900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":65000,"hequity":55000,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":67000,"tw":267000,"age":62,"inc":68076,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":110000,"hmort":62000,"hequity":48000,"nifa":3500,"net_nifa":1500,"tfa":6000,"net_tfa":4000,"tfa_he":52000,"tw":57000,"age":43,"inc":45510,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":80000,"hequity":5000,"nifa":1900,"net_nifa":200,"tfa":1900,"net_tfa":200,"tfa_he":5200,"tw":11200,"age":33,"inc":37146,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":6699,"net_nifa":4199,"tfa":17699,"net_tfa":15199,"tfa_he":35199,"tw":35199,"age":44,"inc":18390,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":15199,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":67000,"hequity":23000,"nifa":20,"net_nifa":-11980,"tfa":20,"net_tfa":-11980,"tfa_he":11020,"tw":15020,"age":40,"inc":24000,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-11980,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12530,"net_nifa":11030,"tfa":12530,"net_tfa":11030,"tfa_he":11030,"tw":14380,"age":54,"inc":13872,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":11030,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":-5626,"tfa":49,"net_tfa":-5626,"tfa_he":-5626,"tw":-5626,"age":38,"inc":9303,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-5626,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":75000,"hequity":5000,"nifa":1000,"net_nifa":-9500,"tfa":1000,"net_tfa":-9500,"tfa_he":-4500,"tw":-4500,"age":32,"inc":28890,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-9500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14747,"net_nifa":11347,"tfa":14747,"net_tfa":11347,"tfa_he":11347,"tw":11947,"age":48,"inc":141315,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":11347,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":634,"net_nifa":634,"tfa":634,"net_tfa":634,"tfa_he":634,"tw":634,"age":26,"inc":12660,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":634,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1200,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":9997,"net_nifa":7697,"tfa":11197,"net_tfa":8897,"tfa_he":88897,"tw":96897,"age":36,"inc":44400,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":8897,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":6000,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":3000,"net_nifa":2740,"tfa":3000,"net_tfa":2740,"tfa_he":37740,"tw":40740,"age":55,"inc":10296,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":2740,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4500,"a401":0,"hval":75000,"hmort":46200,"hequity":28800,"nifa":2000,"net_nifa":-11500,"tfa":6500,"net_tfa":-7000,"tfa_he":21800,"tw":28100,"age":30,"inc":45150,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":21600,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":98000,"hequity":82000,"nifa":21000,"net_nifa":15300,"tfa":21000,"net_tfa":15300,"tfa_he":97300,"tw":105300,"age":29,"inc":34620,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":15300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1770,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":4259,"net_nifa":2259,"tfa":6029,"net_tfa":4029,"tfa_he":69029,"tw":77029,"age":47,"inc":27414,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":4029,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1350,"net_nifa":1350,"tfa":1350,"net_tfa":1350,"tfa_he":1350,"tw":1350,"age":38,"inc":55350,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":1350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":1450,"net_nifa":-2550,"tfa":1450,"net_tfa":-2550,"tfa_he":82450,"tw":82450,"age":38,"inc":27930,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-2550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2260,"net_nifa":-1140,"tfa":2260,"net_tfa":-1140,"tfa_he":-1140,"tw":1635,"age":26,"inc":32001,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-1140,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5007,"a401":0,"hval":112900,"hmort":35000,"hequity":77900,"nifa":34347,"net_nifa":34347,"tfa":39354,"net_tfa":39354,"tfa_he":117254,"tw":117254,"age":61,"inc":70557,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":39354,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6100,"net_nifa":6100,"tfa":6100,"net_tfa":6100,"tfa_he":6100,"tw":6100,"age":60,"inc":21720,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":6100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":955,"net_nifa":-2745,"tfa":955,"net_tfa":-2745,"tfa_he":37255,"tw":44255,"age":35,"inc":36000,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2745,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":76300,"hequity":5700,"nifa":825,"net_nifa":-2293,"tfa":825,"net_tfa":-2293,"tfa_he":3407,"tw":14407,"age":29,"inc":37053,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2293,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":15600,"hequity":164400,"nifa":40000,"net_nifa":37240,"tfa":40000,"net_tfa":37240,"tfa_he":201640,"tw":201640,"age":46,"inc":55074,"fsize":6,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":37240,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":230,"a401":0,"hval":120000,"hmort":74000,"hequity":46000,"nifa":5462,"net_nifa":4862,"tfa":5692,"net_tfa":5092,"tfa_he":51092,"tw":64517,"age":29,"inc":36744,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":5092,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":5099,"net_nifa":2099,"tfa":5099,"net_tfa":2099,"tfa_he":47099,"tw":47099,"age":49,"inc":14970,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2099,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":18000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":12360,"fsize":3,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":51900,"hequity":3100,"nifa":101,"net_nifa":-3899,"tfa":101,"net_tfa":-3899,"tfa_he":-799,"tw":15201,"age":25,"inc":65262,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-2850,"tfa":650,"net_tfa":-2850,"tfa_he":-2850,"tw":316,"age":27,"inc":30015,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-2850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":13500,"hequity":11500,"nifa":32705,"net_nifa":22705,"tfa":32705,"net_tfa":22705,"tfa_he":34205,"tw":34955,"age":37,"inc":15246,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":22705,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":2130,"tfa":2400,"net_tfa":2130,"tfa_he":2130,"tw":2880,"age":36,"inc":14340,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":2130,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":27000,"net_nifa":24920,"tfa":45400,"net_tfa":43320,"tfa_he":43320,"tw":43320,"age":53,"inc":55266,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":43320,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":47,"inc":48954,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":135500,"hmort":87500,"hequity":48000,"nifa":2090,"net_nifa":440,"tfa":2090,"net_tfa":440,"tfa_he":48440,"tw":52440,"age":37,"inc":40647,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-1170,"tfa":500,"net_tfa":-1170,"tfa_he":-1170,"tw":7291,"age":27,"inc":24564,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1170,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":17844,"fsize":3,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":10200,"tw":10999,"age":53,"inc":24000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":32000,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":10500,"age":53,"inc":16830,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":0,"hval":220000,"hmort":112000,"hequity":108000,"nifa":1097,"net_nifa":-403,"tfa":18097,"net_tfa":16597,"tfa_he":124597,"tw":139597,"age":51,"inc":85980,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":16597,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18001,"a401":0,"hval":115000,"hmort":47000,"hequity":68000,"nifa":77500,"net_nifa":75500,"tfa":95501,"net_tfa":93501,"tfa_he":161501,"tw":329901,"age":48,"inc":79053,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":93501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":30000,"hequity":20000,"nifa":800,"net_nifa":-2200,"tfa":800,"net_tfa":-2200,"tfa_he":17800,"tw":21975,"age":26,"inc":17880,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":99400,"tw":101900,"age":35,"inc":21063,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":69000,"hequity":51000,"nifa":10900,"net_nifa":7900,"tfa":10900,"net_tfa":7900,"tfa_he":58900,"tw":73900,"age":34,"inc":56787,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":7900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":11000,"hmort":11000,"hequity":0,"nifa":13099,"net_nifa":13099,"tfa":13099,"net_tfa":13099,"tfa_he":13099,"tw":13099,"age":64,"inc":15696,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":13099,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":22399,"net_nifa":21399,"tfa":72399,"net_tfa":71399,"tfa_he":221399,"tw":232574,"age":59,"inc":46956,"fsize":1,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6509,"net_n401":71399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":15000,"hequity":45000,"nifa":11800,"net_nifa":11800,"tfa":11800,"net_tfa":11800,"tfa_he":56800,"tw":60400,"age":63,"inc":26736,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":11800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2200,"a401":0,"hval":45000,"hmort":18000,"hequity":27000,"nifa":3300,"net_nifa":2900,"tfa":5500,"net_tfa":5100,"tfa_he":32100,"tw":40300,"age":37,"inc":47850,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":36000,"hequity":144000,"nifa":3000,"net_nifa":2750,"tfa":3000,"net_tfa":2750,"tfa_he":146750,"tw":146750,"age":44,"inc":10446,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5000,"age":25,"inc":11220,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1690,"tfa":0,"net_tfa":-1690,"tfa_he":-1690,"tw":-1690,"age":41,"inc":20592,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1690,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21399,"net_nifa":21199,"tfa":21399,"net_tfa":21199,"tfa_he":21199,"tw":32199,"age":29,"inc":25803,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":21199,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":50000,"net_nifa":50000,"tfa":57500,"net_tfa":57500,"tfa_he":357500,"tw":417500,"age":64,"inc":85080,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":57500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":2573,"tfa":2800,"net_tfa":2573,"tfa_he":2573,"tw":20073,"age":26,"inc":22830,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2573,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":40900,"hequity":13100,"nifa":301,"net_nifa":-7299,"tfa":301,"net_tfa":-7299,"tfa_he":5801,"tw":6801,"age":44,"inc":46113,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-7299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":30,"tfa":30,"net_tfa":30,"tfa_he":30,"tw":7030,"age":26,"inc":39846,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":30,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":11000,"age":47,"inc":29100,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":33000,"hequity":47000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":48000,"tw":48000,"age":29,"inc":19254,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":70000,"hequity":20000,"nifa":4100,"net_nifa":-5000,"tfa":4100,"net_tfa":-5000,"tfa_he":15000,"tw":119000,"age":58,"inc":51489,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":90000,"hequity":30000,"nifa":13749,"net_nifa":13259,"tfa":13749,"net_tfa":13259,"tfa_he":43259,"tw":150759,"age":35,"inc":60897,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":13259,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3399,"net_nifa":3399,"tfa":3399,"net_tfa":3399,"tfa_he":3399,"tw":6399,"age":31,"inc":37509,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":3399,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-400,"tfa":600,"net_tfa":-400,"tfa_he":-400,"tw":8879,"age":34,"inc":28050,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":70000,"hequity":25000,"nifa":900,"net_nifa":300,"tfa":900,"net_tfa":300,"tfa_he":25300,"tw":25300,"age":36,"inc":40050,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":5,"net_nifa":-3995,"tfa":5,"net_tfa":-3995,"tfa_he":6005,"tw":6005,"age":37,"inc":36564,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3995,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":60000,"hequity":70000,"nifa":42150,"net_nifa":28150,"tfa":42150,"net_tfa":28150,"tfa_he":98150,"tw":106150,"age":43,"inc":117342,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":28150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9199,"net_nifa":7399,"tfa":9199,"net_tfa":7399,"tfa_he":7399,"tw":12399,"age":26,"inc":32844,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":7399,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":1400,"age":25,"inc":14850,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":220000,"hmort":132000,"hequity":88000,"nifa":27000,"net_nifa":25400,"tfa":41000,"net_tfa":39400,"tfa_he":127400,"tw":159059,"age":56,"inc":76500,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":39400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":7099,"net_nifa":6699,"tfa":37099,"net_tfa":36699,"tfa_he":96699,"tw":99099,"age":47,"inc":47178,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":36699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":157,"net_nifa":-8952,"tfa":157,"net_tfa":-8952,"tfa_he":-8952,"tw":-7327,"age":29,"inc":21405,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-8952,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":62,"inc":15387,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":48000,"hmort":38500,"hequity":9500,"nifa":0,"net_nifa":-900,"tfa":0,"net_tfa":-900,"tfa_he":8600,"tw":9012,"age":53,"inc":13029,"fsize":5,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-8500,"tfa":2500,"net_tfa":-8500,"tfa_he":-8500,"tw":82000,"age":28,"inc":33450,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-8500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":65000,"tw":130000,"age":55,"inc":7644,"fsize":2,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":56000,"hequity":9000,"nifa":591,"net_nifa":591,"tfa":591,"net_tfa":591,"tfa_he":9591,"tw":23071,"age":37,"inc":35889,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":591,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":21500,"hequity":4500,"nifa":7709,"net_nifa":6409,"tfa":7709,"net_tfa":6409,"tfa_he":10909,"tw":16277,"age":28,"inc":25464,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":6409,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-3001,"tfa":499,"net_tfa":-3001,"tfa_he":-3001,"tw":-2001,"age":25,"inc":19230,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3001,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2672,"a401":0,"hval":168000,"hmort":90000,"hequity":78000,"nifa":0,"net_nifa":0,"tfa":2672,"net_tfa":2672,"tfa_he":80672,"tw":84071,"age":43,"inc":94476,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":2672,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":3000,"net_nifa":2840,"tfa":3000,"net_tfa":2840,"tfa_he":12840,"tw":16840,"age":53,"inc":13500,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":2840,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":45,"net_nifa":-7955,"tfa":45,"net_tfa":-7955,"tfa_he":12045,"tw":20045,"age":34,"inc":33954,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-7955,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":400,"a401":0,"hval":110000,"hmort":53000,"hequity":57000,"nifa":1000,"net_nifa":1000,"tfa":1400,"net_tfa":1400,"tfa_he":58400,"tw":64450,"age":43,"inc":28005,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1800,"a401":0,"hval":77500,"hmort":51000,"hequity":26500,"nifa":7500,"net_nifa":6460,"tfa":9300,"net_tfa":8260,"tfa_he":34760,"tw":44760,"age":47,"inc":37932,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":8260,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":6564,"fsize":10,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3899,"net_nifa":3899,"tfa":3899,"net_tfa":3899,"tfa_he":3899,"tw":3899,"age":34,"inc":19713,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":3899,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":41,"inc":18090,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":63500,"hequity":23500,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":24000,"tw":24000,"age":40,"inc":62745,"fsize":7,"educ":11,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.66883,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":111200,"tw":121200,"age":41,"inc":33600,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1400,"a401":0,"hval":100000,"hmort":95000,"hequity":5000,"nifa":18947,"net_nifa":18347,"tfa":20347,"net_tfa":19747,"tfa_he":24747,"tw":24747,"age":36,"inc":1137,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.20883,"net_n401":19747,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":229,"net_nifa":-721,"tfa":229,"net_tfa":-721,"tfa_he":-721,"tw":4179,"age":27,"inc":21528,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-721,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":165000,"hmort":150000,"hequity":15000,"nifa":37749,"net_nifa":35749,"tfa":49749,"net_tfa":47749,"tfa_he":62749,"tw":62749,"age":36,"inc":82656,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":47749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":25,"inc":14400,"fsize":5,"educ":17,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1105,"net_nifa":-11495,"tfa":1105,"net_tfa":-11495,"tfa_he":-11495,"tw":5505,"age":32,"inc":43272,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-11495,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87500,"hmort":84900,"hequity":2600,"nifa":669,"net_nifa":-2881,"tfa":669,"net_tfa":-2881,"tfa_he":-281,"tw":-281,"age":29,"inc":25899,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-2881,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":3800,"hmort":0,"hequity":3800,"nifa":5800,"net_nifa":5800,"tfa":5800,"net_tfa":5800,"tfa_he":9600,"tw":9600,"age":51,"inc":15450,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":5800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":44,"inc":43470,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":60000,"hequity":5000,"nifa":2000,"net_nifa":200,"tfa":2000,"net_tfa":200,"tfa_he":5200,"tw":17200,"age":30,"inc":36450,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":24,"net_nifa":24,"tfa":24,"net_tfa":24,"tfa_he":5024,"tw":5074,"age":50,"inc":7923,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":24,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":187900,"hmort":80000,"hequity":107900,"nifa":20200,"net_nifa":15200,"tfa":20200,"net_tfa":15200,"tfa_he":123100,"tw":123100,"age":42,"inc":72105,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":15200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":49999,"net_nifa":49999,"tfa":49999,"net_tfa":49999,"tfa_he":89999,"tw":275874,"age":52,"inc":13818,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":49999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12600,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":12800,"net_nifa":8800,"tfa":49400,"net_tfa":45400,"tfa_he":195400,"tw":195400,"age":57,"inc":100620,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":21400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":21000,"age":60,"inc":7830,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10199,"net_nifa":10199,"tfa":12199,"net_tfa":12199,"tfa_he":12199,"tw":12199,"age":27,"inc":25386,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":12199,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":3599,"net_nifa":2599,"tfa":3599,"net_tfa":2599,"tfa_he":72599,"tw":86995,"age":61,"inc":10728,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":2599,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":79000,"hmort":40000,"hequity":39000,"nifa":7000,"net_nifa":3000,"tfa":7000,"net_tfa":3000,"tfa_he":42000,"tw":49500,"age":31,"inc":60810,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":840,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":95000,"hmort":95000,"hequity":0,"nifa":38000,"net_nifa":31420,"tfa":41000,"net_tfa":34420,"tfa_he":34420,"tw":34420,"age":42,"inc":90000,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":34420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":32000,"hequity":32000,"nifa":85154,"net_nifa":80154,"tfa":85154,"net_tfa":80154,"tfa_he":112154,"tw":114154,"age":63,"inc":30639,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":80154,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4000,"tfa":500,"net_tfa":-4000,"tfa_he":-4000,"tw":-400,"age":28,"inc":48120,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":140000,"hmort":38500,"hequity":101500,"nifa":10250,"net_nifa":9250,"tfa":12750,"net_tfa":11750,"tfa_he":113250,"tw":118250,"age":50,"inc":76404,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":11750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":225000,"hmort":0,"hequity":225000,"nifa":26999,"net_nifa":26999,"tfa":34999,"net_tfa":34999,"tfa_he":259999,"tw":259999,"age":55,"inc":35169,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":34999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":27000,"hequity":31000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":31000,"tw":31000,"age":61,"inc":0,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":200,"net_nifa":-1305,"tfa":200,"net_tfa":-1305,"tfa_he":48695,"tw":56150,"age":33,"inc":32010,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1305,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23800,"net_nifa":23200,"tfa":23800,"net_tfa":23200,"tfa_he":23200,"tw":35605,"age":33,"inc":27060,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":23200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":200,"age":40,"inc":7461,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5950,"net_nifa":3550,"tfa":5950,"net_tfa":3550,"tfa_he":3550,"tw":38850,"age":52,"inc":20838,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":3550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":20000,"age":47,"inc":17850,"fsize":6,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":4200,"fsize":6,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":58,"inc":16500,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11048,"a401":0,"hval":120000,"hmort":23000,"hequity":97000,"nifa":73300,"net_nifa":73200,"tfa":84348,"net_tfa":84248,"tfa_he":181248,"tw":346398,"age":62,"inc":92598,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":84248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":-500,"tw":3975,"age":46,"inc":35730,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-1400,"tfa":1400,"net_tfa":-1400,"tfa_he":-1400,"tw":5933,"age":52,"inc":28344,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65500,"hmort":65500,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":-1000,"age":28,"inc":24600,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-7075,"tfa":25,"net_tfa":-7075,"tfa_he":-7075,"tw":-7075,"age":36,"inc":8574,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-7075,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":67500,"hequity":42500,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":43249,"tw":43249,"age":48,"inc":26055,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":749,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":149,"net_nifa":-851,"tfa":18149,"net_tfa":17149,"tfa_he":17149,"tw":17149,"age":54,"inc":50409,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":17149,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":4750,"tfa":10200,"net_tfa":9750,"tfa_he":9750,"tw":9750,"age":43,"inc":22578,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.41722,"net_n401":9750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-734,"tfa":400,"net_tfa":-734,"tfa_he":-734,"tw":-734,"age":42,"inc":17814,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-734,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11300,"net_nifa":9800,"tfa":11300,"net_tfa":9800,"tfa_he":9800,"tw":11880,"age":32,"inc":21837,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":9800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":76000,"hequity":14000,"nifa":28000,"net_nifa":23000,"tfa":28000,"net_tfa":23000,"tfa_he":37000,"tw":55350,"age":51,"inc":16800,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":23000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5190,"net_nifa":5190,"tfa":5190,"net_tfa":5190,"tfa_he":5190,"tw":55190,"age":42,"inc":43173,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":5190,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":48000,"hequity":16000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":16000,"tw":22000,"age":30,"inc":10200,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":25000,"hequity":40000,"nifa":18500,"net_nifa":18300,"tfa":18500,"net_tfa":18300,"tfa_he":58300,"tw":83300,"age":62,"inc":29700,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":18300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":138000,"hmort":131000,"hequity":7000,"nifa":700,"net_nifa":-3000,"tfa":700,"net_tfa":-3000,"tfa_he":4000,"tw":9580,"age":34,"inc":49500,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":525,"net_nifa":225,"tfa":525,"net_tfa":225,"tfa_he":225,"tw":225,"age":35,"inc":38550,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":225,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":56000,"hequity":64000,"nifa":660,"net_nifa":281,"tfa":660,"net_tfa":281,"tfa_he":64281,"tw":64281,"age":45,"inc":57675,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":281,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":120,"a401":0,"hval":42500,"hmort":32000,"hequity":10500,"nifa":5500,"net_nifa":5310,"tfa":5620,"net_tfa":5430,"tfa_he":15930,"tw":38205,"age":55,"inc":20547,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":5430,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1246,"tfa":0,"net_tfa":-1246,"tfa_he":-1246,"tw":-1246,"age":42,"inc":14307,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1246,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":-2200,"tfa":1800,"net_tfa":-2200,"tfa_he":-2200,"tw":4800,"age":34,"inc":43716,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-2200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1600,"a401":0,"hval":96000,"hmort":89000,"hequity":7000,"nifa":1699,"net_nifa":1699,"tfa":3299,"net_tfa":3299,"tfa_he":10299,"tw":24221,"age":33,"inc":47823,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":3299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":120,"net_nifa":-3230,"tfa":120,"net_tfa":-3230,"tfa_he":-3230,"tw":1103,"age":29,"inc":39000,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3230,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":56000,"hequity":9000,"nifa":263,"net_nifa":-437,"tfa":263,"net_tfa":-437,"tfa_he":8563,"tw":16915,"age":28,"inc":22623,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-437,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":85000,"hmort":45000,"hequity":40000,"nifa":13100,"net_nifa":13000,"tfa":35100,"net_tfa":35000,"tfa_he":75000,"tw":100000,"age":53,"inc":17244,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14649,"net_n401":35000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":53000,"hmort":53000,"hequity":0,"nifa":500,"net_nifa":-1600,"tfa":500,"net_tfa":-1600,"tfa_he":-1600,"tw":-1600,"age":36,"inc":36000,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1525,"net_nifa":1444,"tfa":1525,"net_tfa":1444,"tfa_he":1444,"tw":10444,"age":31,"inc":27162,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":1444,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":500,"hequity":5500,"nifa":1600,"net_nifa":-2282,"tfa":1600,"net_tfa":-2282,"tfa_he":3218,"tw":3218,"age":58,"inc":10611,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2282,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":40000,"tw":40000,"age":26,"inc":4320,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":160000,"hmort":35000,"hequity":125000,"nifa":6350,"net_nifa":4150,"tfa":12350,"net_tfa":10150,"tfa_he":135150,"tw":395150,"age":45,"inc":49551,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":599,"net_nifa":-6401,"tfa":599,"net_tfa":-6401,"tfa_he":-6401,"tw":-5226,"age":44,"inc":25188,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-6401,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":280,"net_nifa":-2948,"tfa":280,"net_tfa":-2948,"tfa_he":32052,"tw":34564,"age":32,"inc":20712,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-2948,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":50499,"tw":51499,"age":47,"inc":15330,"fsize":2,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":139350,"net_nifa":139350,"tfa":157350,"net_tfa":157350,"tfa_he":282350,"tw":282350,"age":46,"inc":73620,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":157350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":0,"hval":265000,"hmort":150000,"hequity":115000,"nifa":61300,"net_nifa":61300,"tfa":93300,"net_tfa":93300,"tfa_he":208300,"tw":208300,"age":45,"inc":105300,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":93300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":86000,"hmort":55000,"hequity":31000,"nifa":270,"net_nifa":-1630,"tfa":270,"net_tfa":-1630,"tfa_he":29370,"tw":40370,"age":42,"inc":44526,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-1630,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":450,"age":33,"inc":19200,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":15759,"net_nifa":12759,"tfa":15759,"net_tfa":12759,"tfa_he":32759,"tw":36109,"age":60,"inc":13788,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":12759,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":700,"net_nifa":400,"tfa":700,"net_tfa":400,"tfa_he":50400,"tw":52850,"age":48,"inc":33921,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":30000,"hequity":70000,"nifa":1800,"net_nifa":300,"tfa":1800,"net_tfa":300,"tfa_he":70300,"tw":75100,"age":34,"inc":26490,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":57000,"hequity":33000,"nifa":47000,"net_nifa":42935,"tfa":47000,"net_tfa":42935,"tfa_he":75935,"tw":75935,"age":42,"inc":36093,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":42935,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":65000,"hequity":10000,"nifa":20,"net_nifa":-980,"tfa":20,"net_tfa":-980,"tfa_he":9020,"tw":14132,"age":39,"inc":22800,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-980,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":150000,"hmort":60000,"hequity":90000,"nifa":1600,"net_nifa":1400,"tfa":8600,"net_tfa":8400,"tfa_he":98400,"tw":98400,"age":38,"inc":78396,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":8400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":46350,"hequity":15650,"nifa":100,"net_nifa":-2400,"tfa":100,"net_tfa":-2400,"tfa_he":13250,"tw":18350,"age":39,"inc":30750,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":23000,"hequity":57000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":54000,"tw":55500,"age":53,"inc":9705,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-3000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":10497,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":12750,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1300,"tfa":0,"net_tfa":-1300,"tfa_he":-1300,"tw":-1300,"age":26,"inc":12240,"fsize":6,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":35000,"hequity":5000,"nifa":827,"net_nifa":727,"tfa":827,"net_tfa":727,"tfa_he":5727,"tw":7133,"age":47,"inc":15540,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":727,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":1530,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":2499,"net_nifa":-633,"tfa":2499,"net_tfa":-633,"tfa_he":57367,"tw":60067,"age":56,"inc":17724,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-633,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":39000,"hequity":61000,"nifa":4999,"net_nifa":999,"tfa":4999,"net_tfa":999,"tfa_he":61999,"tw":61999,"age":31,"inc":55200,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":17403,"fsize":8,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":30750,"net_nifa":27600,"tfa":30750,"net_tfa":27600,"tfa_he":67600,"tw":68850,"age":63,"inc":12804,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":27600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1999,"tfa":1999,"net_tfa":1999,"tfa_he":1999,"tw":16552,"age":29,"inc":15420,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-4950,"tfa":250,"net_tfa":-4950,"tfa_he":-4950,"tw":-1600,"age":45,"inc":30246,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-4950,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":72000,"hequity":88000,"nifa":300,"net_nifa":-9700,"tfa":300,"net_tfa":-9700,"tfa_he":78300,"tw":78900,"age":54,"inc":53961,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-9700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":0,"hval":71000,"hmort":9000,"hequity":62000,"nifa":200,"net_nifa":200,"tfa":1200,"net_tfa":1200,"tfa_he":63200,"tw":69200,"age":62,"inc":16620,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":1200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":92700,"net_nifa":85300,"tfa":92700,"net_tfa":85300,"tfa_he":165300,"tw":195300,"age":45,"inc":41352,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":85300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":285000,"hmort":0,"hequity":285000,"nifa":14349,"net_nifa":14349,"tfa":22349,"net_tfa":22349,"tfa_he":307349,"tw":307599,"age":60,"inc":42396,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":22349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1160,"tfa":1000,"net_tfa":-1160,"tfa_he":-1160,"tw":1720,"age":31,"inc":24300,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-1160,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":3200,"net_nifa":2900,"tfa":3200,"net_tfa":2900,"tfa_he":62900,"tw":72900,"age":39,"inc":50064,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":9000,"hequity":181000,"nifa":1707,"net_nifa":1207,"tfa":1707,"net_tfa":1207,"tfa_he":182207,"tw":192207,"age":56,"inc":28797,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1207,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10399,"a401":0,"hval":47500,"hmort":44000,"hequity":3500,"nifa":198898,"net_nifa":198443,"tfa":209297,"net_tfa":208842,"tfa_he":212342,"tw":552342,"age":37,"inc":32628,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":208842,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":30000,"hmort":20500,"hequity":9500,"nifa":700,"net_nifa":700,"tfa":4200,"net_tfa":4200,"tfa_he":13700,"tw":13900,"age":54,"inc":37980,"fsize":8,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-10030,"tfa":500,"net_tfa":-10030,"tfa_he":-10030,"tw":-9280,"age":32,"inc":22140,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":-10030,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":55,"inc":18468,"fsize":1,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":42000,"hmort":51600,"hequity":-9600,"nifa":1050,"net_nifa":-6127,"tfa":1050,"net_tfa":-6127,"tfa_he":-15727,"tw":-14265,"age":41,"inc":35478,"fsize":2,"educ":7,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":-6127,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":40,"inc":8394,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":25000,"hmort":17000,"hequity":8000,"nifa":9200,"net_nifa":5900,"tfa":11700,"net_tfa":8400,"tfa_he":16400,"tw":22900,"age":29,"inc":39321,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":8400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":52,"inc":10599,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":35,"inc":12960,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":12150,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":40000,"hequity":25000,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":23600,"tw":23600,"age":37,"inc":24231,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":35000,"hequity":5000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":5100,"tw":10025,"age":39,"inc":5265,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.35361,"net_n401":100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5570,"net_nifa":4570,"tfa":5570,"net_tfa":4570,"tfa_he":154570,"tw":171370,"age":45,"inc":86403,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":4570,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":103000,"hmort":94000,"hequity":9000,"nifa":872,"net_nifa":-4340,"tfa":872,"net_tfa":-4340,"tfa_he":4660,"tw":4660,"age":29,"inc":24936,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-4340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":62500,"hequity":2500,"nifa":22049,"net_nifa":20399,"tfa":22049,"net_tfa":20399,"tfa_he":22899,"tw":29399,"age":31,"inc":38196,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":20399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":5000,"age":31,"inc":23529,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":20198,"net_nifa":19698,"tfa":20198,"net_tfa":19698,"tfa_he":77698,"tw":153048,"age":56,"inc":40530,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":19698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-1100,"tfa":900,"net_tfa":-1100,"tfa_he":-1100,"tw":2125,"age":28,"inc":19254,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":6000,"net_nifa":-1500,"tfa":24000,"net_tfa":16500,"tfa_he":116500,"tw":134500,"age":33,"inc":108300,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":16500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":800,"net_nifa":-700,"tfa":800,"net_tfa":-700,"tfa_he":29300,"tw":32650,"age":47,"inc":5106,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-700,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":1000,"age":37,"inc":29430,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":75000,"hequity":25000,"nifa":525,"net_nifa":-3175,"tfa":525,"net_tfa":-3175,"tfa_he":21825,"tw":21825,"age":43,"inc":56133,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":400,"net_nifa":-4600,"tfa":400,"net_tfa":-4600,"tfa_he":70400,"tw":70400,"age":47,"inc":13350,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-4600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2400,"a401":0,"hval":92000,"hmort":85500,"hequity":6500,"nifa":12400,"net_nifa":11400,"tfa":14800,"net_tfa":13800,"tfa_he":20300,"tw":78300,"age":32,"inc":54411,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":13800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":12000,"hequity":36000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":36050,"tw":36050,"age":63,"inc":12810,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":57000,"hmort":0,"hequity":57000,"nifa":2349,"net_nifa":2349,"tfa":2349,"net_tfa":2349,"tfa_he":59349,"tw":62699,"age":46,"inc":59631,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":2349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":1499,"age":41,"inc":3180,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":999,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":21000,"net_nifa":20700,"tfa":21000,"net_tfa":20700,"tfa_he":170700,"tw":372700,"age":38,"inc":33576,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":20700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":137000,"hequity":43000,"nifa":2250,"net_nifa":2078,"tfa":2250,"net_tfa":2078,"tfa_he":45078,"tw":45078,"age":42,"inc":40245,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2078,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":33000,"hmort":21000,"hequity":12000,"nifa":7000,"net_nifa":7000,"tfa":18000,"net_tfa":18000,"tfa_he":30000,"tw":35850,"age":52,"inc":21435,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1199,"net_nifa":-3752,"tfa":1199,"net_tfa":-3752,"tfa_he":-3752,"tw":-3552,"age":34,"inc":22044,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-3752,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":48000,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-4800,"age":40,"inc":37368,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":80000,"a401":0,"hval":185000,"hmort":25000,"hequity":160000,"nifa":35250,"net_nifa":35190,"tfa":115250,"net_tfa":115190,"tfa_he":275190,"tw":280190,"age":62,"inc":57345,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":115190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":6000,"hequity":14000,"nifa":0,"net_nifa":-2731,"tfa":0,"net_tfa":-2731,"tfa_he":11269,"tw":17269,"age":37,"inc":20004,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2731,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2200,"a401":0,"hval":210000,"hmort":108000,"hequity":102000,"nifa":1400,"net_nifa":400,"tfa":3600,"net_tfa":2600,"tfa_he":104600,"tw":104600,"age":53,"inc":58155,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.48688,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":2000,"net_nifa":-440,"tfa":2000,"net_tfa":-440,"tfa_he":-440,"tw":22260,"age":44,"inc":41556,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":80000,"hmort":3000,"hequity":77000,"nifa":20000,"net_nifa":20000,"tfa":34000,"net_tfa":34000,"tfa_he":111000,"tw":114350,"age":54,"inc":17400,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.31086,"net_n401":34000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":52000,"a401":0,"hval":110000,"hmort":22000,"hequity":88000,"nifa":30800,"net_nifa":30460,"tfa":82800,"net_tfa":82460,"tfa_he":170460,"tw":170460,"age":43,"inc":46176,"fsize":3,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":82460,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4325,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":102000,"net_nifa":-134415,"tfa":106325,"net_tfa":-130090,"tfa_he":19910,"tw":2029910,"age":59,"inc":126576,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":-130090,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":5775,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":240,"net_nifa":-14160,"tfa":240,"net_tfa":-14160,"tfa_he":-14160,"tw":24439,"age":31,"inc":16560,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-14160,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-1500,"tfa":500,"net_tfa":-1500,"tfa_he":-1500,"tw":-1500,"age":34,"inc":40800,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-720,"tfa":0,"net_tfa":-720,"tfa_he":-720,"tw":3280,"age":33,"inc":6090,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-720,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6240,"net_nifa":6240,"tfa":6240,"net_tfa":6240,"tfa_he":6240,"tw":6240,"age":28,"inc":12747,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":6240,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":12200,"net_nifa":8700,"tfa":12200,"net_tfa":8700,"tfa_he":58700,"tw":61400,"age":36,"inc":60702,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":8700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":33199,"net_nifa":33199,"tfa":33199,"net_tfa":33199,"tfa_he":183199,"tw":383199,"age":52,"inc":75126,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":33199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":129000,"hmort":0,"hequity":129000,"nifa":1199,"net_nifa":-1915,"tfa":1199,"net_tfa":-1915,"tfa_he":127085,"tw":134085,"age":60,"inc":25134,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1915,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":26000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":82000,"net_nifa":82000,"tfa":108000,"net_tfa":108000,"tfa_he":183000,"tw":183000,"age":56,"inc":14970,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":108000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72000,"hmort":60000,"hequity":12000,"nifa":20017,"net_nifa":17517,"tfa":20017,"net_tfa":17517,"tfa_he":29517,"tw":30642,"age":42,"inc":49509,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":17517,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":98000,"hmort":95000,"hequity":3000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":3000,"tw":3000,"age":53,"inc":30000,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":10000,"age":61,"inc":19176,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":0,"hval":150000,"hmort":47000,"hequity":103000,"nifa":3000,"net_nifa":3000,"tfa":10000,"net_tfa":10000,"tfa_he":113000,"tw":113000,"age":58,"inc":43020,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":17760,"fsize":11,"educ":6,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":46,"inc":6000,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":54000,"hequity":6000,"nifa":499,"net_nifa":-12001,"tfa":499,"net_tfa":-12001,"tfa_he":-6001,"tw":7499,"age":25,"inc":50649,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-12001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":32000,"hequity":8000,"nifa":200,"net_nifa":125,"tfa":200,"net_tfa":125,"tfa_he":8125,"tw":9125,"age":43,"inc":13896,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":125,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":11725,"age":60,"inc":7452,"fsize":4,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":50,"age":29,"inc":15660,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":7499,"net_nifa":7499,"tfa":7499,"net_tfa":7499,"tfa_he":27499,"tw":102592,"age":55,"inc":-2652,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":7499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":145000,"hmort":0,"hequity":145000,"nifa":201500,"net_nifa":201500,"tfa":201500,"net_tfa":201500,"tfa_he":346500,"tw":346500,"age":61,"inc":45135,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":201500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":0,"hval":70000,"hmort":39000,"hequity":31000,"nifa":4699,"net_nifa":3449,"tfa":19699,"net_tfa":18449,"tfa_he":49449,"tw":49449,"age":31,"inc":37398,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":18449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":500,"net_nifa":300,"tfa":5500,"net_tfa":5300,"tfa_he":105300,"tw":107633,"age":42,"inc":33075,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2300,"age":43,"inc":2166,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":30000,"hequity":155000,"nifa":70010,"net_nifa":70010,"tfa":70010,"net_tfa":70010,"tfa_he":225010,"tw":225010,"age":61,"inc":121722,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":70010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":15200,"hequity":54800,"nifa":4645,"net_nifa":2295,"tfa":4645,"net_tfa":2295,"tfa_he":57095,"tw":63595,"age":54,"inc":20226,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2295,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":-700,"tw":1800,"age":51,"inc":20691,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":8400,"hequity":5600,"nifa":300,"net_nifa":-700,"tfa":300,"net_tfa":-700,"tfa_he":4900,"tw":6025,"age":42,"inc":26190,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11650,"a401":0,"hval":200000,"hmort":16700,"hequity":183300,"nifa":4050,"net_nifa":50,"tfa":15700,"net_tfa":11700,"tfa_he":195000,"tw":195500,"age":38,"inc":77124,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":11700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70,"net_nifa":70,"tfa":70,"net_tfa":70,"tfa_he":70,"tw":2570,"age":26,"inc":20418,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":70,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":50000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":26400,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26,"net_nifa":26,"tfa":26,"net_tfa":26,"tfa_he":26,"tw":11426,"age":42,"inc":7497,"fsize":4,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":26,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":14000,"hequity":-8000,"nifa":449,"net_nifa":-51,"tfa":449,"net_tfa":-51,"tfa_he":-8051,"tw":-5850,"age":51,"inc":24063,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-51,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":371,"net_nifa":371,"tfa":371,"net_tfa":371,"tfa_he":371,"tw":371,"age":43,"inc":20697,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":371,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":5000,"hequity":60000,"nifa":8499,"net_nifa":8499,"tfa":8499,"net_tfa":8499,"tfa_he":68499,"tw":78499,"age":48,"inc":40410,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":8499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":94500,"hmort":94500,"hequity":0,"nifa":13000,"net_nifa":11310,"tfa":25000,"net_tfa":23310,"tfa_he":23310,"tw":26310,"age":30,"inc":74217,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23310,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":63000,"hequity":37000,"nifa":1100,"net_nifa":-17039,"tfa":1100,"net_tfa":-17039,"tfa_he":19961,"tw":33961,"age":39,"inc":41298,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-17039,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":38000,"hmort":300,"hequity":37700,"nifa":7303,"net_nifa":4303,"tfa":57303,"net_tfa":54303,"tfa_he":92003,"tw":102003,"age":60,"inc":41118,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.44148,"net_n401":54303,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":38000,"hequity":22000,"nifa":58388,"net_nifa":56388,"tfa":58388,"net_tfa":56388,"tfa_he":78388,"tw":84388,"age":48,"inc":14400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":56388,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20650,"net_nifa":20650,"tfa":40450,"net_tfa":40450,"tfa_he":40450,"tw":340950,"age":31,"inc":33948,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":40450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":49000,"hequity":51000,"nifa":4200,"net_nifa":3600,"tfa":4200,"net_tfa":3600,"tfa_he":54600,"tw":66950,"age":58,"inc":18825,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":3600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":450,"tfa":450,"net_tfa":450,"tfa_he":450,"tw":450,"age":54,"inc":14310,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":7000,"age":28,"inc":16320,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":3700,"age":27,"inc":10050,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":17500,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":82499,"net_nifa":82399,"tfa":99999,"net_tfa":99899,"tfa_he":159899,"tw":159899,"age":56,"inc":53847,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":99899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":44000,"hmort":29500,"hequity":14500,"nifa":885,"net_nifa":-39915,"tfa":885,"net_tfa":-39915,"tfa_he":-25415,"tw":-23415,"age":44,"inc":34686,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-39915,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-7970,"tfa":2100,"net_tfa":-7970,"tfa_he":-7970,"tw":-7970,"age":33,"inc":47001,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":-7970,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49900,"hmort":36500,"hequity":13400,"nifa":5100,"net_nifa":2600,"tfa":5100,"net_tfa":2600,"tfa_he":16000,"tw":16000,"age":30,"inc":40800,"fsize":2,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":29000,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":16100,"net_nifa":16060,"tfa":45100,"net_tfa":45060,"tfa_he":165060,"tw":165060,"age":54,"inc":90234,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":45060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-2200,"tfa":800,"net_tfa":-2200,"tfa_he":-2200,"tw":1000,"age":30,"inc":14787,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-2200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-86500,"tfa":0,"net_tfa":-86500,"tfa_he":-86500,"tw":-66500,"age":57,"inc":47193,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-86500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13000,"a401":0,"hval":58000,"hmort":13000,"hequity":45000,"nifa":22799,"net_nifa":22699,"tfa":35799,"net_tfa":35699,"tfa_he":80699,"tw":92442,"age":55,"inc":21390,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":35699,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":3600,"tfa":4000,"net_tfa":3600,"tfa_he":3600,"tw":5100,"age":64,"inc":12492,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":3600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":200000,"hmort":15000,"hequity":185000,"nifa":200,"net_nifa":-5150,"tfa":200,"net_tfa":-5150,"tfa_he":179850,"tw":186350,"age":48,"inc":41190,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-5150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":450,"tfa":800,"net_tfa":450,"tfa_he":450,"tw":13450,"age":57,"inc":49290,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-6500,"tfa":100,"net_tfa":-6500,"tfa_he":-6500,"tw":-4128,"age":26,"inc":14010,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":749,"tw":1402,"age":42,"inc":20469,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":749,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":180000,"hmort":122000,"hequity":58000,"nifa":1303947,"net_nifa":1303947,"tfa":1317947,"net_tfa":1317947,"tfa_he":1375947,"tw":1375947,"age":40,"inc":113199,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":1317947,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":950,"age":33,"inc":19890,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":53000,"hequity":7000,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":6000,"tw":6500,"age":45,"inc":13260,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":2510,"age":55,"inc":15186,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":10,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2280,"age":34,"inc":11964,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":49800,"tw":54800,"age":50,"inc":33243,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":23500,"hequity":31500,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":31300,"tw":41053,"age":39,"inc":19263,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":16116,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":67000,"hequity":0,"nifa":3000,"net_nifa":-12400,"tfa":3000,"net_tfa":-12400,"tfa_he":-12400,"tw":-1400,"age":37,"inc":33000,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-12400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4249,"net_nifa":4249,"tfa":8249,"net_tfa":8249,"tfa_he":8249,"tw":8249,"age":37,"inc":52995,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35337,"net_n401":8249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":800,"hequity":5200,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":6400,"tw":7350,"age":31,"inc":12240,"fsize":1,"educ":5,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":1200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-2990,"tfa":10,"net_tfa":-2990,"tfa_he":-2990,"tw":3185,"age":31,"inc":16608,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-2990,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-1700,"tfa":600,"net_tfa":-1700,"tfa_he":-1700,"tw":5300,"age":37,"inc":32964,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-1700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":9828,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":6240,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":549,"net_nifa":-2451,"tfa":549,"net_tfa":-2451,"tfa_he":-2451,"tw":-310,"age":55,"inc":9738,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2451,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":49,"inc":14100,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":101400,"net_nifa":101200,"tfa":111400,"net_tfa":111200,"tfa_he":161200,"tw":161200,"age":47,"inc":60960,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":111200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":56000,"hequity":12000,"nifa":700,"net_nifa":-800,"tfa":700,"net_tfa":-800,"tfa_he":11200,"tw":19200,"age":27,"inc":28965,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":72000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":33000,"net_nifa":33000,"tfa":105000,"net_tfa":105000,"tfa_he":155000,"tw":155000,"age":36,"inc":85437,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":105000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6200,"net_nifa":6200,"tfa":7200,"net_tfa":7200,"tfa_he":7200,"tw":7200,"age":28,"inc":36075,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":7200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":705,"net_nifa":-1995,"tfa":705,"net_tfa":-1995,"tfa_he":-1995,"tw":-1995,"age":31,"inc":22560,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-1995,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":265000,"hmort":0,"hequity":265000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":265300,"tw":265800,"age":61,"inc":12885,"fsize":2,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":107000,"hmort":90000,"hequity":17000,"nifa":2600,"net_nifa":1200,"tfa":2600,"net_tfa":1200,"tfa_he":18200,"tw":39200,"age":29,"inc":41436,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":23000,"hmort":23000,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":-400,"age":47,"inc":13635,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-8750,"tfa":250,"net_tfa":-8750,"tfa_he":-8750,"tw":-4825,"age":34,"inc":28032,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-8750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":871873,"net_nifa":866860,"tfa":871873,"net_tfa":866860,"tfa_he":1066860,"tw":1074139,"age":63,"inc":25164,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":866860,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1825,"net_nifa":955,"tfa":1825,"net_tfa":955,"tfa_he":955,"tw":7971,"age":29,"inc":23370,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":955,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":48,"inc":10581,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":43500,"hequity":1500,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":2900,"tw":92900,"age":45,"inc":43197,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":161000,"hmort":150000,"hequity":11000,"nifa":3805,"net_nifa":-2195,"tfa":3805,"net_tfa":-2195,"tfa_he":8805,"tw":11805,"age":31,"inc":69936,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2195,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":34900,"hequity":85100,"nifa":32900,"net_nifa":32900,"tfa":32900,"net_tfa":32900,"tfa_he":118000,"tw":125420,"age":40,"inc":54204,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":32900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-1600,"tfa":6500,"net_tfa":3800,"tfa_he":3800,"tw":13800,"age":41,"inc":46815,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":3800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22000,"net_nifa":20000,"tfa":22000,"net_tfa":20000,"tfa_he":20000,"tw":26425,"age":32,"inc":28980,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":20000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":198000,"hmort":47500,"hequity":150500,"nifa":224098,"net_nifa":223448,"tfa":226698,"net_tfa":226048,"tfa_he":376548,"tw":1009673,"age":51,"inc":63225,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":226048,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1150,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19100,"net_nifa":17600,"tfa":20250,"net_tfa":18750,"tfa_he":18750,"tw":18750,"age":52,"inc":29865,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":18750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":22000,"hmort":0,"hequity":22000,"nifa":5671,"net_nifa":2671,"tfa":18671,"net_tfa":15671,"tfa_he":37671,"tw":37671,"age":44,"inc":60201,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":15671,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1350,"tfa":50,"net_tfa":-1350,"tfa_he":-1350,"tw":10650,"age":46,"inc":17865,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":31000,"hmort":9500,"hequity":21500,"nifa":75,"net_nifa":-75,"tfa":75,"net_tfa":-75,"tfa_he":21425,"tw":21925,"age":55,"inc":27972,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-75,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":15000,"tfa":15000,"net_tfa":15000,"tfa_he":15000,"tw":15500,"age":45,"inc":11712,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":15000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":1400,"age":29,"inc":15372,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":12000,"net_nifa":11900,"tfa":42000,"net_tfa":41900,"tfa_he":106900,"tw":109575,"age":61,"inc":22320,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26587,"net_n401":41900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":0,"hval":85000,"hmort":30000,"hequity":55000,"nifa":4500,"net_nifa":4350,"tfa":8500,"net_tfa":8350,"tfa_he":63350,"tw":63350,"age":46,"inc":43590,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":8350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":12369,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":38,"inc":19800,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":35000,"hequity":115000,"nifa":4,"net_nifa":-996,"tfa":4,"net_tfa":-996,"tfa_he":114004,"tw":128004,"age":29,"inc":49725,"fsize":4,"educ":15,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-996,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":1100,"tfa":1300,"net_tfa":1100,"tfa_he":1100,"tw":5695,"age":25,"inc":33270,"fsize":4,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":1100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46776,"hmort":35610,"hequity":11166,"nifa":7,"net_nifa":7,"tfa":7,"net_tfa":7,"tfa_he":11173,"tw":11173,"age":51,"inc":33474,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":7,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":267,"net_nifa":-19733,"tfa":267,"net_tfa":-19733,"tfa_he":-19733,"tw":-19318,"age":32,"inc":27261,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-19733,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1240,"tfa":0,"net_tfa":-1240,"tfa_he":-1240,"tw":-740,"age":36,"inc":7197,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1240,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":660,"net_nifa":160,"tfa":660,"net_tfa":160,"tfa_he":160,"tw":160,"age":38,"inc":26520,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":160,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":355,"net_nifa":176,"tfa":355,"net_tfa":176,"tfa_he":176,"tw":176,"age":35,"inc":9702,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":176,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":-375,"tfa":325,"net_tfa":-375,"tfa_he":-375,"tw":-375,"age":37,"inc":14679,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-375,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-3094,"tfa":6,"net_tfa":-3094,"tfa_he":-3094,"tw":-2061,"age":27,"inc":17010,"fsize":4,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3094,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":-14000,"tfa":0,"net_tfa":-14000,"tfa_he":26000,"tw":26000,"age":29,"inc":16020,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-14000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":1813,"net_nifa":1513,"tfa":1813,"net_tfa":1513,"tfa_he":61513,"tw":75413,"age":57,"inc":42375,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1513,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":103000,"hmort":94900,"hequity":8100,"nifa":6060,"net_nifa":710,"tfa":6060,"net_tfa":710,"tfa_he":8810,"tw":8810,"age":26,"inc":37641,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":710,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":350,"age":32,"inc":18861,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2400,"a401":0,"hval":105000,"hmort":90000,"hequity":15000,"nifa":1999,"net_nifa":1199,"tfa":4399,"net_tfa":3599,"tfa_he":18599,"tw":18599,"age":36,"inc":30720,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":3599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":57000,"hequity":18000,"nifa":3900,"net_nifa":-6700,"tfa":3900,"net_tfa":-6700,"tfa_he":11300,"tw":25645,"age":32,"inc":54000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":420,"net_nifa":-580,"tfa":420,"net_tfa":-580,"tfa_he":-580,"tw":3753,"age":36,"inc":15615,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-580,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":54000,"hequity":0,"nifa":75,"net_nifa":-2425,"tfa":75,"net_tfa":-2425,"tfa_he":-2425,"tw":-2425,"age":36,"inc":31752,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":104200,"hequity":20800,"nifa":4200,"net_nifa":1500,"tfa":4200,"net_tfa":1500,"tfa_he":22300,"tw":22300,"age":28,"inc":83016,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":80000,"hequity":30000,"nifa":850,"net_nifa":-9650,"tfa":850,"net_tfa":-9650,"tfa_he":20350,"tw":20350,"age":29,"inc":37323,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-9650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-1050,"tfa":250,"net_tfa":-1050,"tfa_he":-1050,"tw":-1050,"age":28,"inc":46332,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":-1050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2143,"a401":0,"hval":15000,"hmort":9000,"hequity":6000,"nifa":661,"net_nifa":661,"tfa":2804,"net_tfa":2804,"tfa_he":8804,"tw":12154,"age":42,"inc":19413,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":2804,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":13000,"hmort":0,"hequity":13000,"nifa":58,"net_nifa":-142,"tfa":58,"net_tfa":-142,"tfa_he":12858,"tw":12858,"age":53,"inc":11523,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-142,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":81000,"hmort":55120,"hequity":25880,"nifa":2135,"net_nifa":1384,"tfa":2135,"net_tfa":1384,"tfa_he":27264,"tw":35564,"age":30,"inc":46398,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":1384,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1575,"net_nifa":-10525,"tfa":1575,"net_tfa":-10525,"tfa_he":-10525,"tw":1475,"age":30,"inc":35058,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-10525,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":23230,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":68899,"net_nifa":68899,"tfa":92129,"net_tfa":92129,"tfa_he":242129,"tw":242129,"age":47,"inc":95433,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":92129,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1100,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":1500,"net_nifa":-2600,"tfa":2600,"net_tfa":-1500,"tfa_he":5500,"tw":12700,"age":28,"inc":44232,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":55000,"hequity":10000,"nifa":750,"net_nifa":-3250,"tfa":750,"net_tfa":-3250,"tfa_he":6750,"tw":6750,"age":29,"inc":30750,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-3250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":700,"a401":0,"hval":36500,"hmort":36000,"hequity":500,"nifa":3499,"net_nifa":3499,"tfa":4199,"net_tfa":4199,"tfa_he":4699,"tw":6499,"age":29,"inc":31350,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":4199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":275000,"hmort":80000,"hequity":195000,"nifa":129199,"net_nifa":129199,"tfa":169199,"net_tfa":169199,"tfa_he":364199,"tw":376699,"age":59,"inc":30000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":169199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":112000,"hmort":67000,"hequity":45000,"nifa":3947,"net_nifa":3947,"tfa":3947,"net_tfa":3947,"tfa_he":48947,"tw":48997,"age":47,"inc":32544,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":3947,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":7499,"net_nifa":7499,"tfa":7499,"net_tfa":7499,"tfa_he":87499,"tw":95374,"age":54,"inc":19170,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":7499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":75000,"hequity":45000,"nifa":3800,"net_nifa":3718,"tfa":3800,"net_tfa":3718,"tfa_he":48718,"tw":49143,"age":31,"inc":27900,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":3718,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":79000,"hmort":13000,"hequity":66000,"nifa":24722,"net_nifa":24523,"tfa":30722,"net_tfa":30523,"tfa_he":96523,"tw":132523,"age":63,"inc":36429,"fsize":2,"educ":11,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":30523,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":39,"inc":19125,"fsize":4,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":65500,"hequity":4500,"nifa":1130,"net_nifa":-312,"tfa":1130,"net_tfa":-312,"tfa_he":4188,"tw":4188,"age":34,"inc":24678,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-312,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":33000,"a401":0,"hval":50000,"hmort":18000,"hequity":32000,"nifa":898000,"net_nifa":898000,"tfa":931000,"net_tfa":931000,"tfa_he":963000,"tw":967800,"age":63,"inc":42876,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":931000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":10200,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":189,"net_nifa":-4811,"tfa":189,"net_tfa":-4811,"tfa_he":-4811,"tw":-4811,"age":43,"inc":23463,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-4811,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":33900,"hequity":6100,"nifa":1500,"net_nifa":-600,"tfa":1500,"net_tfa":-600,"tfa_he":5500,"tw":5500,"age":46,"inc":21609,"fsize":4,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":15300,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1950,"tfa":2050,"net_tfa":50,"tfa_he":50,"tw":550,"age":30,"inc":16800,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":50,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":21500,"hequity":278500,"nifa":1996,"net_nifa":-5004,"tfa":1996,"net_tfa":-5004,"tfa_he":273496,"tw":278496,"age":49,"inc":36933,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-5004,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":5000,"hequity":25000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":25000,"tw":27000,"age":39,"inc":13212,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":90000,"hmort":35000,"hequity":55000,"nifa":12200,"net_nifa":8700,"tfa":19700,"net_tfa":16200,"tfa_he":71200,"tw":77250,"age":52,"inc":30099,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":16200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":99,"net_nifa":-2901,"tfa":99,"net_tfa":-2901,"tfa_he":112099,"tw":112099,"age":46,"inc":31857,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-2901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":12500,"hequity":32500,"nifa":4449,"net_nifa":4399,"tfa":4449,"net_tfa":4399,"tfa_he":36899,"tw":96899,"age":55,"inc":33657,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":14096,"age":36,"inc":6600,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18000,"net_nifa":18000,"tfa":18000,"net_tfa":18000,"tfa_he":18000,"tw":18000,"age":39,"inc":63135,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":18000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2950,"hmort":0,"hequity":2950,"nifa":299,"net_nifa":299,"tfa":299,"net_tfa":299,"tfa_he":3249,"tw":3749,"age":52,"inc":20718,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":299,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15645,"net_nifa":9145,"tfa":15645,"net_tfa":9145,"tfa_he":9145,"tw":24045,"age":35,"inc":52641,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":9145,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1400,"a401":0,"hval":17000,"hmort":0,"hequity":17000,"nifa":15,"net_nifa":-485,"tfa":1415,"net_tfa":915,"tfa_he":17915,"tw":21196,"age":45,"inc":25527,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":915,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":8850,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":-3200,"tfa":2700,"net_tfa":-3200,"tfa_he":-3200,"tw":3900,"age":26,"inc":52386,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-400,"tfa":800,"net_tfa":-400,"tfa_he":-400,"tw":1900,"age":34,"inc":52815,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":60000,"hequity":40000,"nifa":500,"net_nifa":-5800,"tfa":500,"net_tfa":-5800,"tfa_he":34200,"tw":35533,"age":36,"inc":36699,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":220000,"hmort":150000,"hequity":70000,"nifa":30000,"net_nifa":30000,"tfa":80000,"net_tfa":80000,"tfa_he":150000,"tw":231000,"age":52,"inc":92904,"fsize":1,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":80000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":51900,"hequity":5100,"nifa":25120,"net_nifa":25120,"tfa":25120,"net_tfa":25120,"tfa_he":30220,"tw":39420,"age":49,"inc":25185,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":25120,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":11137,"net_nifa":11137,"tfa":11137,"net_tfa":11137,"tfa_he":46137,"tw":46637,"age":62,"inc":17403,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":11137,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":20400,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":56000,"hequity":6000,"nifa":2299,"net_nifa":-15321,"tfa":2299,"net_tfa":-15321,"tfa_he":-9321,"tw":-4121,"age":42,"inc":42819,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-15321,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-1200,"tfa":800,"net_tfa":-1200,"tfa_he":-1200,"tw":-1200,"age":52,"inc":17040,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":0,"hval":79000,"hmort":65000,"hequity":14000,"nifa":214097,"net_nifa":214097,"tfa":230097,"net_tfa":230097,"tfa_he":244097,"tw":448097,"age":48,"inc":71928,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":230097,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":-25037,"tfa":4999,"net_tfa":-25037,"tfa_he":-25037,"tw":-22921,"age":29,"inc":12006,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-25037,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3800,"a401":0,"hval":150000,"hmort":60000,"hequity":90000,"nifa":3499,"net_nifa":3499,"tfa":7299,"net_tfa":7299,"tfa_he":97299,"tw":97299,"age":31,"inc":43005,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":7299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":10000,"hequity":0,"nifa":200,"net_nifa":-494,"tfa":200,"net_tfa":-494,"tfa_he":-494,"tw":3506,"age":51,"inc":29235,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-494,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-10400,"tfa":100,"net_tfa":-10400,"tfa_he":-10400,"tw":1600,"age":32,"inc":47688,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-10400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65900,"hmort":0,"hequity":65900,"nifa":666,"net_nifa":-234,"tfa":666,"net_tfa":-234,"tfa_he":65666,"tw":67416,"age":28,"inc":18798,"fsize":1,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-234,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":32,"inc":8553,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":175000,"hmort":35000,"hequity":140000,"nifa":19699,"net_nifa":19199,"tfa":21699,"net_tfa":21199,"tfa_he":161199,"tw":161199,"age":58,"inc":17070,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":21199,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":62000,"hequity":98000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":98100,"tw":98100,"age":50,"inc":35496,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":17000,"hequity":41000,"nifa":9000,"net_nifa":8300,"tfa":9000,"net_tfa":8300,"tfa_he":49300,"tw":109300,"age":61,"inc":37911,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":8300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":950,"net_nifa":950,"tfa":950,"net_tfa":950,"tfa_he":45950,"tw":58950,"age":27,"inc":38670,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3944,"net_nifa":2444,"tfa":3944,"net_tfa":2444,"tfa_he":2444,"tw":8369,"age":28,"inc":22404,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2444,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":27000,"age":43,"inc":32850,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":18500,"hequity":26500,"nifa":2799,"net_nifa":-5701,"tfa":2799,"net_tfa":-5701,"tfa_he":20799,"tw":30199,"age":49,"inc":16950,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-5701,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":25,"inc":19248,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":150000,"hequity":60000,"nifa":5020,"net_nifa":4420,"tfa":5020,"net_tfa":4420,"tfa_he":64420,"tw":67120,"age":41,"inc":104400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":4420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":775,"net_nifa":-4225,"tfa":775,"net_tfa":-4225,"tfa_he":70775,"tw":72518,"age":39,"inc":37890,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-4225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":33300,"a401":0,"hval":125000,"hmort":78000,"hequity":47000,"nifa":2048,"net_nifa":-5243,"tfa":35348,"net_tfa":28057,"tfa_he":75057,"tw":75057,"age":39,"inc":36522,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":28057,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19701,"a401":0,"hval":55000,"hmort":17300,"hequity":37700,"nifa":18676,"net_nifa":18476,"tfa":38377,"net_tfa":38177,"tfa_he":75877,"tw":122642,"age":60,"inc":39393,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":38177,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":257,"net_nifa":257,"tfa":257,"net_tfa":257,"tfa_he":257,"tw":1007,"age":33,"inc":11997,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":257,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":21735,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-2500,"tw":-2500,"age":36,"inc":34986,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":3700,"hequity":4300,"nifa":0,"net_nifa":-230,"tfa":0,"net_tfa":-230,"tfa_he":4070,"tw":4570,"age":38,"inc":11919,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-230,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":3300,"age":31,"inc":28089,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56700,"hmort":56700,"hequity":0,"nifa":3399,"net_nifa":2399,"tfa":3399,"net_tfa":2399,"tfa_he":2399,"tw":2399,"age":29,"inc":68898,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14600,"a401":0,"hval":225000,"hmort":33000,"hequity":192000,"nifa":111498,"net_nifa":111498,"tfa":126098,"net_tfa":126098,"tfa_he":318098,"tw":318098,"age":52,"inc":103164,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":126098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":137500,"net_nifa":137500,"tfa":187500,"net_tfa":187500,"tfa_he":487500,"tw":498175,"age":58,"inc":62790,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":187500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":10,"net_nifa":-5490,"tfa":10,"net_tfa":-5490,"tfa_he":29510,"tw":30010,"age":30,"inc":13275,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-5490,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":399,"tfa":399,"net_tfa":399,"tfa_he":399,"tw":11299,"age":39,"inc":25224,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":399,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":11000,"hmort":8000,"hequity":3000,"nifa":249,"net_nifa":-1011,"tfa":249,"net_tfa":-1011,"tfa_he":1989,"tw":1989,"age":25,"inc":10206,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-1011,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-2380,"tfa":20,"net_tfa":-2380,"tfa_he":-2380,"tw":-2380,"age":32,"inc":7284,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-2380,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":47500,"hequity":10500,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":13500,"tw":20096,"age":38,"inc":6966,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.35361,"net_n401":3000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":49000,"hequity":31000,"nifa":20,"net_nifa":-4980,"tfa":20,"net_tfa":-4980,"tfa_he":26020,"tw":30020,"age":38,"inc":33360,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":0,"hequity":96000,"nifa":83999,"net_nifa":83999,"tfa":83999,"net_tfa":83999,"tfa_he":179999,"tw":179999,"age":44,"inc":20640,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":83999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":120000,"hmort":80000,"hequity":40000,"nifa":7225,"net_nifa":6725,"tfa":8725,"net_tfa":8225,"tfa_he":48225,"tw":50825,"age":31,"inc":48423,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":8225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":749,"tw":1249,"age":40,"inc":22254,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":749,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":19000,"hequity":31000,"nifa":2550,"net_nifa":2175,"tfa":2550,"net_tfa":2175,"tfa_he":33175,"tw":39686,"age":49,"inc":54063,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":2175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":31,"inc":18015,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4200,"net_nifa":3350,"tfa":4200,"net_tfa":3350,"tfa_he":3350,"tw":7100,"age":26,"inc":18090,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":3350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":145,"net_nifa":145,"tfa":145,"net_tfa":145,"tfa_he":145,"tw":645,"age":28,"inc":8292,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":145,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":422,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":900,"tfa":1322,"net_tfa":1322,"tfa_he":1322,"tw":4672,"age":32,"inc":21600,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":1322,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":46,"inc":9360,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":1499,"tfa":2999,"net_tfa":1499,"tfa_he":1499,"tw":9499,"age":51,"inc":27060,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":58,"inc":12090,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":165000,"hmort":44000,"hequity":121000,"nifa":100,"net_nifa":-4900,"tfa":100,"net_tfa":-4900,"tfa_he":116100,"tw":118025,"age":47,"inc":41769,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":108000,"hequity":72000,"nifa":51600,"net_nifa":39600,"tfa":51600,"net_tfa":39600,"tfa_he":111600,"tw":162100,"age":44,"inc":115506,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":39600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-5300,"tfa":900,"net_tfa":-5300,"tfa_he":-5300,"tw":2700,"age":25,"inc":13254,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-5300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":33000,"a401":0,"hval":275000,"hmort":26500,"hequity":248500,"nifa":100000,"net_nifa":97200,"tfa":133000,"net_tfa":130200,"tfa_he":378700,"tw":378700,"age":48,"inc":92064,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":130200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1095,"a401":0,"hval":300000,"hmort":34000,"hequity":266000,"nifa":799,"net_nifa":-5401,"tfa":1894,"net_tfa":-4306,"tfa_he":261694,"tw":394694,"age":52,"inc":30639,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":-4306,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2200,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":599,"net_nifa":299,"tfa":2799,"net_tfa":2499,"tfa_he":2499,"tw":53949,"age":56,"inc":56940,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":43,"inc":19680,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":2699,"net_nifa":1849,"tfa":2699,"net_tfa":1849,"tfa_he":41849,"tw":59849,"age":53,"inc":29304,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1849,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":13000,"hequity":22000,"nifa":150,"net_nifa":150,"tfa":150,"net_tfa":150,"tfa_he":22150,"tw":22150,"age":59,"inc":12975,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":3600,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":477,"net_nifa":477,"tfa":477,"net_tfa":477,"tfa_he":477,"tw":1977,"age":41,"inc":14481,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":477,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":56000,"hequity":0,"nifa":46,"net_nifa":-5427,"tfa":46,"net_tfa":-5427,"tfa_he":-5427,"tw":-2927,"age":44,"inc":37740,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-5427,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3200,"net_nifa":1700,"tfa":3200,"net_tfa":1700,"tfa_he":1700,"tw":30700,"age":40,"inc":33066,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":1700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4750,"a401":0,"hval":65000,"hmort":41000,"hequity":24000,"nifa":1000,"net_nifa":200,"tfa":5750,"net_tfa":4950,"tfa_he":28950,"tw":35450,"age":43,"inc":54723,"fsize":3,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":4950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":0,"hequity":240000,"nifa":12500,"net_nifa":7500,"tfa":12500,"net_tfa":7500,"tfa_he":247500,"tw":247500,"age":63,"inc":78750,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":41000,"hmort":37000,"hequity":4000,"nifa":8894,"net_nifa":8459,"tfa":8894,"net_tfa":8459,"tfa_he":12459,"tw":12459,"age":27,"inc":41436,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":8459,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":12000,"hequity":48000,"nifa":65,"net_nifa":-3270,"tfa":65,"net_tfa":-3270,"tfa_he":44730,"tw":44730,"age":31,"inc":10695,"fsize":5,"educ":10,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-3270,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":113000,"hmort":105000,"hequity":8000,"nifa":20299,"net_nifa":15299,"tfa":23299,"net_tfa":18299,"tfa_he":26299,"tw":26299,"age":38,"inc":88200,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":18299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":49653,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":15000,"tfa":64653,"net_tfa":64653,"tfa_he":64653,"tw":68753,"age":42,"inc":51492,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":64653,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":266,"net_nifa":-964,"tfa":266,"net_tfa":-964,"tfa_he":-964,"tw":836,"age":48,"inc":27429,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-964,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":500,"tfa":3000,"net_tfa":500,"tfa_he":500,"tw":500,"age":27,"inc":30600,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":3000,"net_nifa":2700,"tfa":6500,"net_tfa":6200,"tfa_he":86200,"tw":93700,"age":41,"inc":28392,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":6200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":50000,"hequity":5000,"nifa":5300,"net_nifa":5300,"tfa":5300,"net_tfa":5300,"tfa_he":10300,"tw":15666,"age":40,"inc":36000,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":100000,"hmort":62000,"hequity":38000,"nifa":7000,"net_nifa":6250,"tfa":13000,"net_tfa":12250,"tfa_he":50250,"tw":51750,"age":46,"inc":61521,"fsize":5,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.78569,"net_n401":12250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":26398,"net_nifa":23898,"tfa":26398,"net_tfa":23898,"tfa_he":93898,"tw":105898,"age":54,"inc":71604,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":23898,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-501,"tfa":1499,"net_tfa":-501,"tfa_he":-501,"tw":-1,"age":31,"inc":24810,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-501,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":26,"inc":24372,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":24000,"net_nifa":21900,"tfa":24000,"net_tfa":21900,"tfa_he":81900,"tw":81900,"age":51,"inc":37452,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":21900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":112500,"hequity":37500,"nifa":212700,"net_nifa":210800,"tfa":212700,"net_tfa":210800,"tfa_he":248300,"tw":254000,"age":25,"inc":50100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":210800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-160,"tfa":0,"net_tfa":-160,"tfa_he":-160,"tw":590,"age":36,"inc":9270,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-160,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":74000,"hequity":61000,"nifa":3000,"net_nifa":2600,"tfa":3000,"net_tfa":2600,"tfa_he":63600,"tw":63600,"age":30,"inc":24060,"fsize":6,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":4000,"age":34,"inc":20478,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":10000,"age":28,"inc":42780,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":75000,"hequity":15000,"nifa":3528,"net_nifa":3328,"tfa":3528,"net_tfa":3328,"tfa_he":18328,"tw":18328,"age":30,"inc":44613,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":3328,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":62000,"hequity":18000,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":18099,"tw":18099,"age":49,"inc":42690,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":7200,"hequity":64800,"nifa":549,"net_nifa":549,"tfa":549,"net_tfa":549,"tfa_he":65349,"tw":71349,"age":39,"inc":39366,"fsize":2,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":47800,"hequity":200,"nifa":400,"net_nifa":-830,"tfa":400,"net_tfa":-830,"tfa_he":-630,"tw":7170,"age":37,"inc":29445,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-830,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":37000,"hequity":3000,"nifa":800,"net_nifa":-10200,"tfa":800,"net_tfa":-10200,"tfa_he":-7200,"tw":-2867,"age":39,"inc":38505,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-10200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5400,"net_nifa":-15100,"tfa":5400,"net_tfa":-15100,"tfa_he":-15100,"tw":24900,"age":30,"inc":55359,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-15100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":-550,"tfa":450,"net_tfa":-550,"tfa_he":-550,"tw":-550,"age":43,"inc":20529,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":5000,"hequity":45000,"nifa":1300,"net_nifa":1300,"tfa":1300,"net_tfa":1300,"tfa_he":46300,"tw":48100,"age":31,"inc":32589,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":106000,"hmort":78450,"hequity":27550,"nifa":8500,"net_nifa":5000,"tfa":8500,"net_tfa":5000,"tfa_he":32550,"tw":37875,"age":41,"inc":31635,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":375,"net_nifa":-9732,"tfa":375,"net_tfa":-9732,"tfa_he":-9732,"tw":-4332,"age":32,"inc":12834,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-9732,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-750,"tfa":50,"net_tfa":-750,"tfa_he":-750,"tw":0,"age":43,"inc":26166,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3999,"net_nifa":3999,"tfa":3999,"net_tfa":3999,"tfa_he":3999,"tw":9499,"age":28,"inc":25815,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":3999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":12699,"net_nifa":10699,"tfa":12699,"net_tfa":10699,"tfa_he":40699,"tw":40699,"age":28,"inc":19011,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":10699,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":89000,"hmort":0,"hequity":89000,"nifa":3555,"net_nifa":1255,"tfa":28555,"net_tfa":26255,"tfa_he":115255,"tw":115255,"age":56,"inc":20979,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":26255,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-170,"tfa":30,"net_tfa":-170,"tfa_he":-170,"tw":-170,"age":31,"inc":12138,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-170,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":62,"inc":7011,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1300,"age":42,"inc":6903,"fsize":2,"educ":5,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":2999,"net_nifa":2999,"tfa":22999,"net_tfa":22999,"tfa_he":52999,"tw":68799,"age":64,"inc":25380,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.4721,"net_n401":22999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":38226,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":18000,"hequity":12000,"nifa":25,"net_nifa":-2975,"tfa":25,"net_tfa":-2975,"tfa_he":9025,"tw":9025,"age":31,"inc":5250,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-2975,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":7850,"age":26,"inc":4518,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":833,"net_nifa":757,"tfa":833,"net_tfa":757,"tfa_he":757,"tw":4107,"age":26,"inc":15615,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":757,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":800,"hequity":4200,"nifa":949,"net_nifa":949,"tfa":949,"net_tfa":949,"tfa_he":5149,"tw":8824,"age":27,"inc":25782,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":949,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":250,"tw":250,"age":36,"inc":18054,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":4275,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":21000,"hmort":15000,"hequity":6000,"nifa":1355,"net_nifa":-2645,"tfa":1355,"net_tfa":-2645,"tfa_he":3355,"tw":3355,"age":48,"inc":34437,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2645,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":97000,"hmort":97000,"hequity":0,"nifa":41500,"net_nifa":40872,"tfa":41500,"net_tfa":40872,"tfa_he":40872,"tw":44222,"age":32,"inc":2814,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":40872,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":158113,"net_nifa":158113,"tfa":166113,"net_tfa":166113,"tfa_he":466113,"tw":466113,"age":54,"inc":92280,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":166113,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":49000,"hmort":32000,"hequity":17000,"nifa":4199,"net_nifa":3949,"tfa":4199,"net_tfa":3949,"tfa_he":20949,"tw":20949,"age":47,"inc":25107,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":3949,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":49000,"hequity":9000,"nifa":4549,"net_nifa":-451,"tfa":4549,"net_tfa":-451,"tfa_he":8549,"tw":16549,"age":28,"inc":13650,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-451,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":1000,"net_nifa":889,"tfa":1000,"net_tfa":889,"tfa_he":45889,"tw":60889,"age":56,"inc":32007,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":889,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":699,"net_nifa":699,"tfa":699,"net_tfa":699,"tfa_he":70699,"tw":70699,"age":59,"inc":19203,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":699,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1100,"age":26,"inc":20460,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":104000,"hequity":96000,"nifa":845,"net_nifa":255,"tfa":845,"net_tfa":255,"tfa_he":96255,"tw":96255,"age":38,"inc":57609,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":255,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":51000,"hmort":20000,"hequity":31000,"nifa":200,"net_nifa":-273,"tfa":200,"net_tfa":-273,"tfa_he":30727,"tw":39327,"age":46,"inc":23856,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-273,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":549,"net_nifa":-7451,"tfa":549,"net_tfa":-7451,"tfa_he":-7451,"tw":-5951,"age":40,"inc":17880,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-7451,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":270000,"hmort":150000,"hequity":120000,"nifa":3500,"net_nifa":-3500,"tfa":3500,"net_tfa":-3500,"tfa_he":116500,"tw":122500,"age":43,"inc":84000,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":-3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10976,"net_nifa":10976,"tfa":10976,"net_tfa":10976,"tfa_he":10976,"tw":10976,"age":40,"inc":19329,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":10976,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":37500,"hmort":7000,"hequity":30500,"nifa":16400,"net_nifa":16075,"tfa":16400,"net_tfa":16075,"tfa_he":46575,"tw":48075,"age":38,"inc":41805,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":16075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":4600,"net_nifa":1600,"tfa":7600,"net_tfa":4600,"tfa_he":154600,"tw":162600,"age":63,"inc":27585,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.37883,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-330,"tfa":20,"net_tfa":-330,"tfa_he":-330,"tw":-330,"age":35,"inc":20787,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-330,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":24000,"hmort":0,"hequity":24000,"nifa":1150,"net_nifa":-550,"tfa":3650,"net_tfa":1950,"tfa_he":25950,"tw":26550,"age":46,"inc":34608,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":1950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":50,"inc":16320,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":29000,"a401":0,"hval":95000,"hmort":56000,"hequity":39000,"nifa":80500,"net_nifa":80500,"tfa":109500,"net_tfa":109500,"tfa_he":148500,"tw":149250,"age":35,"inc":49800,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":109500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":367,"net_nifa":367,"tfa":367,"net_tfa":367,"tfa_he":367,"tw":4367,"age":60,"inc":30990,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":367,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":4596,"age":40,"inc":14520,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":0,"hequity":225000,"nifa":300,"net_nifa":-2700,"tfa":300,"net_tfa":-2700,"tfa_he":222300,"tw":222300,"age":61,"inc":26652,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":7200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":30000,"hequity":2000,"nifa":16000,"net_nifa":15100,"tfa":16000,"net_tfa":15100,"tfa_he":17100,"tw":27100,"age":33,"inc":33885,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":15100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":62000,"hequity":13000,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":13499,"tw":18499,"age":47,"inc":49206,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1500,"a401":0,"hval":115000,"hmort":89000,"hequity":26000,"nifa":2600,"net_nifa":1200,"tfa":4100,"net_tfa":2700,"tfa_he":28700,"tw":40700,"age":40,"inc":58974,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3720,"net_nifa":920,"tfa":3720,"net_tfa":920,"tfa_he":920,"tw":3070,"age":31,"inc":32370,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":920,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":47000,"hequity":20000,"nifa":310,"net_nifa":310,"tfa":310,"net_tfa":310,"tfa_he":20310,"tw":20810,"age":43,"inc":23490,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":310,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-300,"tfa":500,"net_tfa":-300,"tfa_he":-300,"tw":4550,"age":35,"inc":16815,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":32,"inc":12828,"fsize":5,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":372,"tfa":4900,"net_tfa":4572,"tfa_he":4572,"tw":4572,"age":34,"inc":20667,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":4572,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":47999,"tw":47999,"age":63,"inc":20580,"fsize":2,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":0,"hval":275000,"hmort":150000,"hequity":125000,"nifa":77500,"net_nifa":75500,"tfa":92500,"net_tfa":90500,"tfa_he":215500,"tw":232750,"age":38,"inc":101886,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":90500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20400,"net_nifa":15900,"tfa":24400,"net_tfa":19900,"tfa_he":19900,"tw":19900,"age":45,"inc":31995,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":19900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":8307,"net_nifa":6807,"tfa":8307,"net_tfa":6807,"tfa_he":11807,"tw":25065,"age":32,"inc":19035,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":6807,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":7675,"age":37,"inc":16425,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":120000,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":31900,"age":47,"inc":37800,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":100000,"tw":100000,"age":56,"inc":30960,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":45,"net_nifa":-6355,"tfa":45,"net_tfa":-6355,"tfa_he":-6355,"tw":-3413,"age":25,"inc":35700,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-6355,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12500,"a401":0,"hval":125000,"hmort":90000,"hequity":35000,"nifa":7500,"net_nifa":-10500,"tfa":20000,"net_tfa":2000,"tfa_he":37000,"tw":51000,"age":37,"inc":46767,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":32000,"hequity":8000,"nifa":2599,"net_nifa":599,"tfa":2599,"net_tfa":599,"tfa_he":8599,"tw":12199,"age":36,"inc":22743,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":62000,"hequity":23000,"nifa":80691,"net_nifa":66691,"tfa":80691,"net_tfa":66691,"tfa_he":89691,"tw":156291,"age":49,"inc":85515,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":66691,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":225000,"hmort":56000,"hequity":169000,"nifa":26000,"net_nifa":23000,"tfa":31000,"net_tfa":28000,"tfa_he":197000,"tw":202600,"age":53,"inc":108258,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":28000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3000,"tw":-2500,"age":57,"inc":11628,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-301750,"tfa":200,"net_tfa":-301750,"tfa_he":-301750,"tw":-286750,"age":38,"inc":54183,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":-301750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":200000,"hmort":83000,"hequity":117000,"nifa":18548,"net_nifa":18271,"tfa":34548,"net_tfa":34271,"tfa_he":151271,"tw":265271,"age":64,"inc":24675,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":34271,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":102500,"tw":102500,"age":59,"inc":19872,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":48000,"hmort":30000,"hequity":18000,"nifa":16000,"net_nifa":16000,"tfa":16000,"net_tfa":16000,"tfa_he":34000,"tw":34000,"age":28,"inc":21210,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":54900,"hequity":15100,"nifa":18700,"net_nifa":16055,"tfa":18700,"net_tfa":16055,"tfa_he":31155,"tw":40655,"age":31,"inc":47160,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":16055,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":149,"net_nifa":-151,"tfa":149,"net_tfa":-151,"tfa_he":-151,"tw":7591,"age":40,"inc":49209,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":-151,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":15000,"hequity":40000,"nifa":899,"net_nifa":-5901,"tfa":899,"net_tfa":-5901,"tfa_he":34099,"tw":41599,"age":52,"inc":67746,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-5901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":505,"age":31,"inc":10200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":5,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25500,"hequity":4500,"nifa":1165,"net_nifa":515,"tfa":1165,"net_tfa":515,"tfa_he":5015,"tw":5015,"age":31,"inc":32871,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":515,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":2400,"tfa":2400,"net_tfa":2400,"tfa_he":2400,"tw":5750,"age":42,"inc":21600,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":5500,"hequity":16500,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":16700,"tw":17950,"age":49,"inc":18012,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":290000,"hmort":150000,"hequity":140000,"nifa":14600,"net_nifa":-1500,"tfa":14600,"net_tfa":-1500,"tfa_he":138500,"tw":154064,"age":40,"inc":60699,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1100,"tfa":100,"net_tfa":-1100,"tfa_he":-1100,"tw":-1100,"age":27,"inc":6030,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-1100,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8900,"a401":0,"hval":130000,"hmort":28000,"hequity":102000,"nifa":3270,"net_nifa":470,"tfa":12170,"net_tfa":9370,"tfa_he":111370,"tw":126370,"age":57,"inc":55539,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":9370,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":34000,"hequity":1000,"nifa":50,"net_nifa":-3200,"tfa":50,"net_tfa":-3200,"tfa_he":-2200,"tw":-700,"age":33,"inc":13386,"fsize":5,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-3200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":17856,"fsize":9,"educ":3,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.3792,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":25,"inc":18060,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":40000,"hequity":25000,"nifa":0,"net_nifa":-8800,"tfa":0,"net_tfa":-8800,"tfa_he":16200,"tw":17200,"age":46,"inc":26520,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-8800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":3000,"hmort":0,"hequity":3000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":3999,"tw":3999,"age":31,"inc":27600,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2225,"net_nifa":-1275,"tfa":2225,"net_tfa":-1275,"tfa_he":-1275,"tw":6778,"age":25,"inc":56664,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.59061,"net_n401":-1275,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":260000,"hmort":150000,"hequity":110000,"nifa":1000,"net_nifa":-9000,"tfa":1000,"net_tfa":-9000,"tfa_he":101000,"tw":108425,"age":39,"inc":33600,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":92000,"hmort":79500,"hequity":12500,"nifa":0,"net_nifa":-5400,"tfa":0,"net_tfa":-5400,"tfa_he":7100,"tw":13100,"age":42,"inc":16521,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-5400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":109000,"hmort":109000,"hequity":0,"nifa":23541,"net_nifa":22741,"tfa":37541,"net_tfa":36741,"tfa_he":36741,"tw":36741,"age":34,"inc":56409,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":36741,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":9000,"hmort":0,"hequity":9000,"nifa":466,"net_nifa":426,"tfa":466,"net_tfa":426,"tfa_he":9426,"tw":9426,"age":60,"inc":4038,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":426,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":65000,"hmort":44000,"hequity":21000,"nifa":3504,"net_nifa":2504,"tfa":6004,"net_tfa":5004,"tfa_he":26004,"tw":36004,"age":51,"inc":137160,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":5004,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1859,"a401":0,"hval":31500,"hmort":31500,"hequity":0,"nifa":1150,"net_nifa":-3550,"tfa":3009,"net_tfa":-1691,"tfa_he":-1691,"tw":15309,"age":26,"inc":23154,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":-1691,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":27,"inc":17340,"fsize":5,"educ":5,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":55000,"hmort":28000,"hequity":27000,"nifa":17200,"net_nifa":14900,"tfa":28200,"net_tfa":25900,"tfa_he":52900,"tw":56566,"age":46,"inc":35346,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":25900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":613,"age":40,"inc":19200,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":5000,"net_nifa":3800,"tfa":5000,"net_tfa":3800,"tfa_he":103800,"tw":109800,"age":56,"inc":29250,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":3800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-1480,"tfa":20,"net_tfa":-1480,"tfa_he":-1480,"tw":520,"age":35,"inc":21216,"fsize":10,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-1480,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":45000,"hequity":255000,"nifa":2000,"net_nifa":0,"tfa":2000,"net_tfa":0,"tfa_he":255000,"tw":267000,"age":54,"inc":44616,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":18525,"fsize":3,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":0,"hequity":285000,"nifa":10500,"net_nifa":10500,"tfa":10500,"net_tfa":10500,"tfa_he":295500,"tw":295500,"age":62,"inc":57330,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":7800,"hequity":32200,"nifa":100,"net_nifa":-838,"tfa":100,"net_tfa":-838,"tfa_he":31362,"tw":37362,"age":49,"inc":25641,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-838,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-5500,"tfa":100,"net_tfa":-5500,"tfa_he":-5500,"tw":-5500,"age":28,"inc":13500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-5500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":48000,"hequity":16000,"nifa":505,"net_nifa":-1945,"tfa":505,"net_tfa":-1945,"tfa_he":14055,"tw":15055,"age":29,"inc":26865,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1945,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1350,"age":36,"inc":8670,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60150,"hmort":60150,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":50,"age":29,"inc":17850,"fsize":7,"educ":3,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":22300,"hequity":15700,"nifa":1200,"net_nifa":1022,"tfa":1200,"net_tfa":1022,"tfa_he":16722,"tw":21964,"age":46,"inc":20988,"fsize":1,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":1022,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":2430,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35015,"net_nifa":35015,"tfa":35015,"net_tfa":35015,"tfa_he":35015,"tw":42515,"age":38,"inc":53925,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":35015,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":66249,"net_nifa":59549,"tfa":66249,"net_tfa":59549,"tfa_he":87549,"tw":95849,"age":44,"inc":52182,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":59549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60300,"net_nifa":60300,"tfa":60300,"net_tfa":60300,"tfa_he":60300,"tw":61611,"age":43,"inc":79281,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":60300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":52200,"hequity":17800,"nifa":1247,"net_nifa":1247,"tfa":1247,"net_tfa":1247,"tfa_he":19047,"tw":19047,"age":44,"inc":35700,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1247,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":16000,"hequity":109000,"nifa":10000,"net_nifa":7500,"tfa":10000,"net_tfa":7500,"tfa_he":116500,"tw":120500,"age":40,"inc":32880,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":62,"inc":18888,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-950,"tfa":50,"net_tfa":-950,"tfa_he":-950,"tw":250,"age":57,"inc":3600,"fsize":8,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-950,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":40,"net_nifa":-1260,"tfa":40,"net_tfa":-1260,"tfa_he":8740,"tw":8740,"age":34,"inc":17007,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1260,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":86500,"hequity":23500,"nifa":8115,"net_nifa":-3395,"tfa":8115,"net_tfa":-3395,"tfa_he":20105,"tw":20105,"age":31,"inc":55620,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-3395,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":66,"net_nifa":-234,"tfa":66,"net_tfa":-234,"tfa_he":-234,"tw":3616,"age":28,"inc":3204,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-234,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":41000,"hequity":39000,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":39099,"tw":42099,"age":30,"inc":41112,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":50000,"age":50,"inc":43500,"fsize":6,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9800,"a401":0,"hval":170000,"hmort":127000,"hequity":43000,"nifa":13100,"net_nifa":11900,"tfa":22900,"net_tfa":21700,"tfa_he":64700,"tw":110875,"age":51,"inc":43680,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":21700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":187000,"hmort":0,"hequity":187000,"nifa":7499,"net_nifa":7499,"tfa":7499,"net_tfa":7499,"tfa_he":194499,"tw":216361,"age":25,"inc":51450,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":7499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23000,"net_nifa":21625,"tfa":23000,"net_tfa":21625,"tfa_he":21625,"tw":25625,"age":27,"inc":46890,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":21625,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":58000,"hequity":37000,"nifa":8497,"net_nifa":8377,"tfa":8497,"net_tfa":8377,"tfa_he":45377,"tw":45377,"age":29,"inc":47838,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":8377,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18000,"net_nifa":18000,"tfa":18000,"net_tfa":18000,"tfa_he":18000,"tw":22650,"age":27,"inc":11799,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":18000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":120000,"hmort":48000,"hequity":72000,"nifa":17499,"net_nifa":17499,"tfa":33499,"net_tfa":33499,"tfa_he":105499,"tw":106249,"age":41,"inc":30000,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":33499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":33000,"hmort":0,"hequity":33000,"nifa":5308,"net_nifa":340,"tfa":5308,"net_tfa":340,"tfa_he":33340,"tw":33340,"age":30,"inc":29133,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":47000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":12096,"age":45,"inc":21048,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":385,"net_nifa":130,"tfa":385,"net_tfa":130,"tfa_he":130,"tw":130,"age":27,"inc":11898,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":130,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":97000,"hmort":67500,"hequity":29500,"nifa":400,"net_nifa":-1218,"tfa":400,"net_tfa":-1218,"tfa_he":28282,"tw":34342,"age":46,"inc":16374,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1218,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59900,"hmort":59900,"hequity":0,"nifa":31050,"net_nifa":21050,"tfa":31050,"net_tfa":21050,"tfa_he":21050,"tw":48967,"age":37,"inc":47109,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":21050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":865,"net_nifa":-4135,"tfa":865,"net_tfa":-4135,"tfa_he":-4135,"tw":15865,"age":29,"inc":19206,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-4135,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":100000,"hequity":175000,"nifa":49,"net_nifa":-36,"tfa":49,"net_tfa":-36,"tfa_he":174964,"tw":175964,"age":52,"inc":17424,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-36,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":42000,"hequity":8000,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":3000,"tw":9500,"age":30,"inc":23970,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":53000,"hequity":4000,"nifa":700,"net_nifa":-9300,"tfa":700,"net_tfa":-9300,"tfa_he":-5300,"tw":-850,"age":41,"inc":32646,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-9300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":51400,"net_nifa":49700,"tfa":51400,"net_tfa":49700,"tfa_he":49700,"tw":49700,"age":27,"inc":147996,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":49700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4300,"a401":0,"hval":83000,"hmort":49000,"hequity":34000,"nifa":34449,"net_nifa":29849,"tfa":38749,"net_tfa":34149,"tfa_he":68149,"tw":74149,"age":42,"inc":41232,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":34149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":32000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":30899,"net_nifa":30899,"tfa":62899,"net_tfa":62899,"tfa_he":102899,"tw":102899,"age":60,"inc":33885,"fsize":2,"educ":7,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":62899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2100,"a401":0,"hval":68000,"hmort":47500,"hequity":20500,"nifa":5449,"net_nifa":-5251,"tfa":7549,"net_tfa":-3151,"tfa_he":17349,"tw":39019,"age":29,"inc":46575,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":-3151,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":-3000,"tfa":5000,"net_tfa":-3000,"tfa_he":-3000,"tw":350,"age":49,"inc":14631,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":39100,"hequity":18900,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":18900,"tw":19400,"age":44,"inc":7704,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":300000,"hmort":110000,"hequity":190000,"nifa":1499,"net_nifa":1499,"tfa":2999,"net_tfa":2999,"tfa_he":192999,"tw":192999,"age":48,"inc":22230,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5100,"a401":0,"hval":22500,"hmort":0,"hequity":22500,"nifa":32550,"net_nifa":32550,"tfa":37650,"net_tfa":37650,"tfa_he":60150,"tw":60650,"age":61,"inc":13893,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":37650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1993,"a401":0,"hval":45000,"hmort":24000,"hequity":21000,"nifa":95766,"net_nifa":95766,"tfa":97759,"net_tfa":97759,"tfa_he":118759,"tw":119390,"age":46,"inc":68085,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":97759,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":27000,"hequity":13000,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":13599,"tw":31524,"age":46,"inc":24996,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":55500,"net_nifa":55500,"tfa":55500,"net_tfa":55500,"tfa_he":80500,"tw":84700,"age":37,"inc":12483,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":55500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6050,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":50000,"net_nifa":41230,"tfa":56050,"net_tfa":47280,"tfa_he":132280,"tw":132580,"age":55,"inc":36198,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":47280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3750,"age":38,"inc":12930,"fsize":5,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":22498,"net_nifa":20798,"tfa":36498,"net_tfa":34798,"tfa_he":74798,"tw":75798,"age":55,"inc":38730,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":34798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4500,"tfa":0,"net_tfa":-4500,"tfa_he":-4500,"tw":3525,"age":34,"inc":24000,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-4500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":2099,"net_nifa":1699,"tfa":2099,"net_tfa":1699,"tfa_he":1699,"tw":1699,"age":31,"inc":13320,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1699,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":149000,"hmort":149000,"hequity":0,"nifa":356,"net_nifa":256,"tfa":4356,"net_tfa":4256,"tfa_he":4256,"tw":5956,"age":38,"inc":55377,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":4256,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":90000,"tw":172053,"age":35,"inc":26217,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":1500,"tfa":3000,"net_tfa":1500,"tfa_he":1500,"tw":10247,"age":49,"inc":23271,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":16000,"hequity":109000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":109100,"tw":109100,"age":59,"inc":23004,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":85000,"hmort":20000,"hequity":65000,"nifa":30500,"net_nifa":27350,"tfa":32500,"net_tfa":29350,"tfa_he":94350,"tw":104311,"age":25,"inc":18582,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":29350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":2500,"age":35,"inc":56868,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":25000,"hequity":3000,"nifa":110,"net_nifa":110,"tfa":110,"net_tfa":110,"tfa_he":3110,"tw":3110,"age":41,"inc":22800,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":110,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":62500,"hequity":87500,"nifa":9000,"net_nifa":9000,"tfa":9000,"net_tfa":9000,"tfa_he":96500,"tw":96500,"age":48,"inc":61830,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":51840,"age":40,"inc":12597,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":55,"inc":32340,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":52200,"hequity":17800,"nifa":2494,"net_nifa":-3496,"tfa":2494,"net_tfa":-3496,"tfa_he":14304,"tw":15504,"age":35,"inc":50850,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3496,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":44500,"hequity":5500,"nifa":100,"net_nifa":-10400,"tfa":100,"net_tfa":-10400,"tfa_he":-4900,"tw":-4900,"age":32,"inc":36012,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-10400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":160000,"hmort":25000,"hequity":135000,"nifa":45000,"net_nifa":38000,"tfa":61000,"net_tfa":54000,"tfa_he":189000,"tw":389000,"age":38,"inc":80613,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":54000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-2500,"tfa":300,"net_tfa":-2500,"tfa_he":-2500,"tw":3500,"age":26,"inc":33093,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":575,"net_nifa":-2425,"tfa":575,"net_tfa":-2425,"tfa_he":-2425,"tw":-1925,"age":33,"inc":5868,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-2425,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":3500,"age":30,"inc":17100,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.3792,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":160000,"hmort":65000,"hequity":95000,"nifa":43500,"net_nifa":43500,"tfa":57500,"net_tfa":57500,"tfa_he":152500,"tw":152500,"age":35,"inc":81075,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":57500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":92100,"hmort":91500,"hequity":600,"nifa":21706,"net_nifa":206,"tfa":30706,"net_tfa":9206,"tfa_he":9806,"tw":21806,"age":43,"inc":81558,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":9206,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":28000,"hequity":7000,"nifa":0,"net_nifa":-5265,"tfa":0,"net_tfa":-5265,"tfa_he":1735,"tw":1735,"age":39,"inc":15759,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-5265,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3059,"net_nifa":2359,"tfa":3059,"net_tfa":2359,"tfa_he":2359,"tw":2359,"age":36,"inc":42969,"fsize":4,"educ":11,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.59958,"net_n401":2359,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-2650,"tfa":350,"net_tfa":-2650,"tfa_he":-2650,"tw":3925,"age":45,"inc":31674,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-2650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":11500,"hequity":46500,"nifa":550,"net_nifa":-450,"tfa":550,"net_tfa":-450,"tfa_he":46050,"tw":46050,"age":64,"inc":17619,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-450,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":13000,"hequity":7000,"nifa":1800,"net_nifa":1800,"tfa":1800,"net_tfa":1800,"tfa_he":8800,"tw":23853,"age":41,"inc":23469,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":1800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19600,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":23200,"net_nifa":22800,"tfa":42800,"net_tfa":42400,"tfa_he":342400,"tw":342400,"age":57,"inc":33777,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":42400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":3000,"net_nifa":3000,"tfa":11000,"net_tfa":11000,"tfa_he":46000,"tw":46000,"age":57,"inc":26010,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.37883,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":53,"inc":3156,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2800,"tfa":0,"net_tfa":-2800,"tfa_he":-2800,"tw":1400,"age":28,"inc":17700,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-928,"tfa":0,"net_tfa":-928,"tfa_he":-928,"tw":-928,"age":47,"inc":5652,"fsize":1,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":-928,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":200000,"hmort":100000,"hequity":100000,"nifa":6642,"net_nifa":6242,"tfa":19642,"net_tfa":19242,"tfa_he":119242,"tw":135167,"age":44,"inc":45816,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":19242,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":11880,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":0,"hval":180000,"hmort":100000,"hequity":80000,"nifa":159000,"net_nifa":159000,"tfa":170000,"net_tfa":170000,"tfa_he":250000,"tw":273000,"age":62,"inc":102744,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":170000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":52800,"hequity":7200,"nifa":510,"net_nifa":-3490,"tfa":510,"net_tfa":-3490,"tfa_he":3710,"tw":3710,"age":42,"inc":24945,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3490,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":3650,"hequity":26350,"nifa":3948,"net_nifa":618,"tfa":3948,"net_tfa":618,"tfa_he":26968,"tw":27968,"age":34,"inc":12240,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":618,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":22499,"net_nifa":22499,"tfa":42499,"net_tfa":42499,"tfa_he":142499,"tw":152861,"age":42,"inc":35616,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":42499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4875,"a401":0,"hval":127000,"hmort":122000,"hequity":5000,"nifa":1200,"net_nifa":1200,"tfa":6075,"net_tfa":6075,"tfa_he":11075,"tw":18675,"age":33,"inc":46209,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":6075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":50,"net_nifa":-6050,"tfa":50,"net_tfa":-6050,"tfa_he":-6050,"tw":-6050,"age":37,"inc":28038,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-6050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":135000,"hequity":90000,"nifa":5399,"net_nifa":2899,"tfa":5399,"net_tfa":2899,"tfa_he":92899,"tw":668249,"age":47,"inc":33000,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":2899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-7670,"tfa":30,"net_tfa":-7670,"tfa_he":-7670,"tw":-7670,"age":27,"inc":55365,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-7670,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":3000,"age":27,"inc":7929,"fsize":1,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.04868,"net_n401":500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4400,"net_nifa":1400,"tfa":4400,"net_tfa":1400,"tfa_he":151400,"tw":162940,"age":33,"inc":54966,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1699,"net_nifa":-1301,"tfa":1699,"net_tfa":-1301,"tfa_he":38699,"tw":38699,"age":40,"inc":47184,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-1301,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-45,"tfa":30,"net_tfa":-45,"tfa_he":-45,"tw":3455,"age":31,"inc":12666,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-45,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":750,"tfa":750,"net_tfa":750,"tfa_he":750,"tw":750,"age":30,"inc":47124,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.30552,"net_n401":750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2725,"net_nifa":2725,"tfa":2725,"net_tfa":2725,"tfa_he":2725,"tw":6100,"age":25,"inc":15390,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":2725,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-4250,"tfa":30,"net_tfa":-4250,"tfa_he":-4250,"tw":3750,"age":43,"inc":25131,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-4250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":25,"tfa":25,"net_tfa":25,"tfa_he":25,"tw":525,"age":28,"inc":11352,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":25,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-994,"tfa":6,"net_tfa":-994,"tfa_he":-994,"tw":4081,"age":28,"inc":22134,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-994,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3300,"age":25,"inc":19200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":300000,"hmort":34000,"hequity":266000,"nifa":20800,"net_nifa":20680,"tfa":42800,"net_tfa":42680,"tfa_he":308680,"tw":317230,"age":46,"inc":26100,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":42680,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60500,"hmort":60500,"hequity":0,"nifa":11140,"net_nifa":11140,"tfa":11140,"net_tfa":11140,"tfa_he":11140,"tw":16382,"age":32,"inc":35331,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":11140,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":59000,"hequity":11000,"nifa":1600,"net_nifa":-2480,"tfa":1600,"net_tfa":-2480,"tfa_he":8520,"tw":8520,"age":32,"inc":61722,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-2480,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":158000,"hmort":115500,"hequity":42500,"nifa":1460,"net_nifa":64,"tfa":1460,"net_tfa":64,"tfa_he":42564,"tw":42564,"age":29,"inc":37245,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":64,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10542,"a401":0,"hval":110000,"hmort":77000,"hequity":33000,"nifa":84005,"net_nifa":78868,"tfa":94547,"net_tfa":89410,"tfa_he":122410,"tw":166206,"age":51,"inc":65865,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":89410,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":49500,"hequity":18500,"nifa":2599,"net_nifa":1099,"tfa":2599,"net_tfa":1099,"tfa_he":19599,"tw":19599,"age":42,"inc":26406,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1099,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":49000,"hequity":7000,"nifa":450,"net_nifa":-1550,"tfa":450,"net_tfa":-1550,"tfa_he":5450,"tw":58616,"age":34,"inc":33543,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":-1500,"tw":-1000,"age":34,"inc":10371,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50000,"net_nifa":50000,"tfa":65000,"net_tfa":65000,"tfa_he":65000,"tw":65000,"age":48,"inc":19500,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.10579,"net_n401":65000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":46900,"hequity":5100,"nifa":210,"net_nifa":-1490,"tfa":210,"net_tfa":-1490,"tfa_he":3610,"tw":14710,"age":30,"inc":34443,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1490,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":50600,"tw":51600,"age":49,"inc":17874,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-37074,"tfa":200,"net_tfa":-37074,"tfa_he":-37074,"tw":-37074,"age":30,"inc":44184,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-37074,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":20000,"age":36,"inc":39594,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":600,"tfa":1600,"net_tfa":600,"tfa_he":600,"tw":1500,"age":36,"inc":44805,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112000,"hmort":54000,"hequity":58000,"nifa":5500,"net_nifa":5500,"tfa":5500,"net_tfa":5500,"tfa_he":63500,"tw":63500,"age":39,"inc":29265,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":164000,"hmort":35500,"hequity":128500,"nifa":43662,"net_nifa":43262,"tfa":59662,"net_tfa":59262,"tfa_he":187762,"tw":196304,"age":58,"inc":19245,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":59262,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":110,"net_nifa":-290,"tfa":110,"net_tfa":-290,"tfa_he":-290,"tw":-290,"age":34,"inc":15600,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-290,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":2400,"hequity":37600,"nifa":50,"net_nifa":-550,"tfa":50,"net_tfa":-550,"tfa_he":37050,"tw":37550,"age":50,"inc":6060,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-550,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3200,"a401":0,"hval":130000,"hmort":20000,"hequity":110000,"nifa":3500,"net_nifa":1500,"tfa":6700,"net_tfa":4700,"tfa_he":114700,"tw":166400,"age":56,"inc":48690,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":16000,"hmort":9000,"hequity":7000,"nifa":500,"net_nifa":-9700,"tfa":500,"net_tfa":-9700,"tfa_he":-2700,"tw":3500,"age":55,"inc":34200,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-9700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":19000,"hmort":16500,"hequity":2500,"nifa":167,"net_nifa":167,"tfa":167,"net_tfa":167,"tfa_he":2667,"tw":3167,"age":39,"inc":21435,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":167,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":165000,"hmort":75000,"hequity":90000,"nifa":142556,"net_nifa":110056,"tfa":202556,"net_tfa":170056,"tfa_he":260056,"tw":260056,"age":53,"inc":72108,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":170056,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":26000,"hequity":24000,"nifa":50,"net_nifa":-250,"tfa":50,"net_tfa":-250,"tfa_he":23750,"tw":23750,"age":55,"inc":7134,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-250,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":-3900,"tw":-575,"age":25,"inc":14307,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":44000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":900,"net_nifa":763,"tfa":44900,"net_tfa":44763,"tfa_he":119763,"tw":119763,"age":62,"inc":40500,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":44763,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":23500,"hmort":23500,"hequity":0,"nifa":375,"net_nifa":345,"tfa":375,"net_tfa":345,"tfa_he":345,"tw":345,"age":44,"inc":25758,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":345,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":20000,"hequity":0,"nifa":3500,"net_nifa":3500,"tfa":3500,"net_tfa":3500,"tfa_he":3500,"tw":3500,"age":53,"inc":14760,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":3500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":500,"net_nifa":-3300,"tfa":500,"net_tfa":-3300,"tfa_he":61700,"tw":61700,"age":46,"inc":27000,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":30000,"hequity":42000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":42000,"tw":42500,"age":54,"inc":26316,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":75000,"hequity":20000,"nifa":9500,"net_nifa":8700,"tfa":9500,"net_tfa":8700,"tfa_he":28700,"tw":36700,"age":44,"inc":63255,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":8700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":22000,"hequity":28000,"nifa":1810,"net_nifa":1460,"tfa":1810,"net_tfa":1460,"tfa_he":29460,"tw":30210,"age":54,"inc":7440,"fsize":1,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":1460,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1080,"tfa":50,"net_tfa":-1080,"tfa_he":-1080,"tw":3100,"age":36,"inc":17544,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1080,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":-2750,"tfa":450,"net_tfa":-2750,"tfa_he":-2750,"tw":-2750,"age":29,"inc":19797,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-2750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":31500,"net_nifa":31500,"tfa":81500,"net_tfa":81500,"tfa_he":231500,"tw":231500,"age":61,"inc":129996,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":81500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":42500,"hmort":42500,"hequity":0,"nifa":20,"net_nifa":-1980,"tfa":20,"net_tfa":-1980,"tfa_he":-1980,"tw":4020,"age":28,"inc":18525,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1980,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-7600,"tfa":200,"net_tfa":-7600,"tfa_he":-7600,"tw":-5100,"age":36,"inc":13824,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-7600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1200,"tfa":1000,"net_tfa":-1200,"tfa_he":-1200,"tw":825,"age":27,"inc":28740,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1000,"tfa":200,"net_tfa":-1000,"tfa_he":-1000,"tw":-500,"age":44,"inc":25500,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19200,"a401":0,"hval":125000,"hmort":41000,"hequity":84000,"nifa":103000,"net_nifa":100000,"tfa":122200,"net_tfa":119200,"tfa_he":203200,"tw":203200,"age":60,"inc":52767,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":119200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":153,"net_nifa":153,"tfa":153,"net_tfa":153,"tfa_he":153,"tw":-347,"age":37,"inc":20100,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":153,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":2000,"hequity":4000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":4000,"tw":5000,"age":25,"inc":1560,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":180000,"hmort":145000,"hequity":35000,"nifa":38000,"net_nifa":37000,"tfa":42000,"net_tfa":41000,"tfa_he":76000,"tw":89000,"age":40,"inc":110160,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":41000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":20,"age":30,"inc":10803,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":110000,"hmort":25000,"hequity":85000,"nifa":1200,"net_nifa":300,"tfa":4200,"net_tfa":3300,"tfa_he":88300,"tw":88300,"age":34,"inc":26991,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":222000,"hmort":25000,"hequity":197000,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":201999,"tw":205999,"age":44,"inc":42300,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":60,"inc":7116,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":14040,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20199,"net_nifa":18899,"tfa":20199,"net_tfa":18899,"tfa_he":18899,"tw":19787,"age":35,"inc":21702,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":18899,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":104000,"hmort":80000,"hequity":24000,"nifa":3800,"net_nifa":-7800,"tfa":3800,"net_tfa":-7800,"tfa_he":16200,"tw":25200,"age":34,"inc":38520,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":135000,"hmort":77500,"hequity":57500,"nifa":11400,"net_nifa":11400,"tfa":13900,"net_tfa":13900,"tfa_he":71400,"tw":75400,"age":47,"inc":47496,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":13900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":103000,"hmort":64890,"hequity":38110,"nifa":200,"net_nifa":-5900,"tfa":200,"net_tfa":-5900,"tfa_he":32210,"tw":37885,"age":40,"inc":40800,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":46000,"hequity":14000,"nifa":8000,"net_nifa":5500,"tfa":8000,"net_tfa":5500,"tfa_he":19500,"tw":24500,"age":50,"inc":33750,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":34010,"hmort":26000,"hequity":8010,"nifa":1178,"net_nifa":-3422,"tfa":1178,"net_tfa":-3422,"tfa_he":4588,"tw":7588,"age":29,"inc":23127,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-3422,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1040,"net_nifa":-2060,"tfa":1040,"net_tfa":-2060,"tfa_he":-2060,"tw":1993,"age":30,"inc":17700,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2060,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":47000,"hequity":33000,"nifa":827,"net_nifa":-19173,"tfa":827,"net_tfa":-19173,"tfa_he":13827,"tw":25227,"age":31,"inc":24000,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-19173,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":28332,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50386,"net_nifa":50386,"tfa":58386,"net_tfa":58386,"tfa_he":58386,"tw":86386,"age":48,"inc":30438,"fsize":3,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.27754,"net_n401":58386,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":33300,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":139300,"net_nifa":139300,"tfa":172600,"net_tfa":172600,"tfa_he":322600,"tw":391450,"age":39,"inc":49200,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":172600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":164000,"hmort":150000,"hequity":14000,"nifa":1000,"net_nifa":-1300,"tfa":1000,"net_tfa":-1300,"tfa_he":12700,"tw":12700,"age":40,"inc":38205,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":75000,"hequity":40000,"nifa":1860,"net_nifa":-4390,"tfa":1860,"net_tfa":-4390,"tfa_he":35610,"tw":35610,"age":27,"inc":40830,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4390,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3400,"a401":0,"hval":80000,"hmort":57900,"hequity":22100,"nifa":28744,"net_nifa":20544,"tfa":32144,"net_tfa":23944,"tfa_he":46044,"tw":50544,"age":32,"inc":38376,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":23944,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":5500,"net_nifa":4100,"tfa":5500,"net_tfa":4100,"tfa_he":134100,"tw":139350,"age":49,"inc":17631,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":4100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6159,"tfa":0,"net_tfa":-6159,"tfa_he":-6159,"tw":-6159,"age":25,"inc":630,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-6159,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16600,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":1148,"net_nifa":1148,"tfa":17748,"net_tfa":17748,"tfa_he":82748,"tw":87296,"age":41,"inc":30927,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":17748,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":40000,"hmort":12000,"hequity":28000,"nifa":3499,"net_nifa":3499,"tfa":7499,"net_tfa":7499,"tfa_he":35499,"tw":35499,"age":63,"inc":24708,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":7499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":80999,"tw":80999,"age":59,"inc":33084,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":275000,"hmort":150000,"hequity":125000,"nifa":4000,"net_nifa":3500,"tfa":4000,"net_tfa":3500,"tfa_he":128500,"tw":128500,"age":43,"inc":64050,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-65,"tfa":50,"net_tfa":-65,"tfa_he":-65,"tw":-65,"age":26,"inc":11232,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-65,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-2500,"tfa":15900,"net_tfa":12500,"tfa_he":12500,"tw":13500,"age":32,"inc":23100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":12500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":3000,"net_nifa":-3500,"tfa":4000,"net_tfa":-2500,"tfa_he":77500,"tw":98640,"age":56,"inc":40710,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":59000,"hequity":1000,"nifa":5000,"net_nifa":4000,"tfa":5000,"net_tfa":4000,"tfa_he":5000,"tw":5500,"age":33,"inc":31200,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":25000,"hequity":55000,"nifa":3900,"net_nifa":3900,"tfa":3900,"net_tfa":3900,"tfa_he":58900,"tw":59400,"age":55,"inc":12600,"fsize":3,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":3900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1266,"net_nifa":-1804,"tfa":1266,"net_tfa":-1804,"tfa_he":-1804,"tw":7196,"age":27,"inc":23400,"fsize":3,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-1804,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":60000,"hmort":21500,"hequity":38500,"nifa":8500,"net_nifa":8500,"tfa":12500,"net_tfa":12500,"tfa_he":51000,"tw":52250,"age":44,"inc":21234,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":12500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":36000,"hequity":19000,"nifa":250,"net_nifa":-14750,"tfa":250,"net_tfa":-14750,"tfa_he":4250,"tw":50250,"age":33,"inc":46239,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-14750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":1499,"age":37,"inc":22500,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":13000,"hequity":22000,"nifa":1700,"net_nifa":-11660,"tfa":1700,"net_tfa":-11660,"tfa_he":10340,"tw":10340,"age":61,"inc":21876,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-11660,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":35000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":25000,"age":50,"inc":13326,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":2721,"net_nifa":2237,"tfa":2721,"net_tfa":2237,"tfa_he":47237,"tw":129325,"age":45,"inc":37677,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":2237,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":16799,"net_nifa":4499,"tfa":16799,"net_tfa":4499,"tfa_he":4499,"tw":28499,"age":51,"inc":40011,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":4499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":17300,"net_nifa":15800,"tfa":19800,"net_tfa":18300,"tfa_he":78300,"tw":81750,"age":40,"inc":32457,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":18300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-712,"tfa":0,"net_tfa":-712,"tfa_he":-712,"tw":-712,"age":30,"inc":9009,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-712,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":8034,"net_nifa":7234,"tfa":8034,"net_tfa":7234,"tfa_he":17234,"tw":32291,"age":54,"inc":98784,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":7234,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4100,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11000,"net_nifa":11000,"tfa":15100,"net_tfa":15100,"tfa_he":15100,"tw":55600,"age":52,"inc":26910,"fsize":1,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":15100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":93500,"hmort":82000,"hequity":11500,"nifa":16000,"net_nifa":10000,"tfa":16000,"net_tfa":10000,"tfa_he":21500,"tw":23900,"age":39,"inc":32856,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":226200,"net_nifa":225950,"tfa":238200,"net_tfa":237950,"tfa_he":287950,"tw":335950,"age":59,"inc":25185,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":237950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":34669,"net_nifa":33269,"tfa":48069,"net_tfa":46669,"tfa_he":46669,"tw":52669,"age":34,"inc":86760,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":46669,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8180,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":436,"net_nifa":436,"tfa":8616,"net_tfa":8616,"tfa_he":8616,"tw":9116,"age":35,"inc":18633,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":8616,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":2898,"net_nifa":98,"tfa":2898,"net_tfa":98,"tfa_he":150098,"tw":150098,"age":37,"inc":39468,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":98,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":58000,"hequity":22000,"nifa":1398,"net_nifa":-2602,"tfa":1398,"net_tfa":-2602,"tfa_he":19398,"tw":26398,"age":32,"inc":52602,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-2602,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":200,"a401":0,"hval":90000,"hmort":63000,"hequity":27000,"nifa":1200,"net_nifa":400,"tfa":1400,"net_tfa":600,"tfa_he":27600,"tw":30600,"age":26,"inc":25737,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":125500,"hequity":24500,"nifa":7000,"net_nifa":-3000,"tfa":7000,"net_tfa":-3000,"tfa_he":21500,"tw":73053,"age":46,"inc":62250,"fsize":2,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1150,"net_nifa":1150,"tfa":1150,"net_tfa":1150,"tfa_he":1150,"tw":1150,"age":26,"inc":37833,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":1150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":63500,"hequity":1500,"nifa":2899,"net_nifa":699,"tfa":2899,"net_tfa":699,"tfa_he":2199,"tw":39199,"age":42,"inc":64176,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1150,"net_nifa":-14350,"tfa":1150,"net_tfa":-14350,"tfa_he":-14350,"tw":-14350,"age":30,"inc":27555,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-14350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":69600,"hequity":35400,"nifa":8768,"net_nifa":5968,"tfa":8768,"net_tfa":5968,"tfa_he":41368,"tw":70368,"age":42,"inc":55791,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5968,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":41000,"hequity":39000,"nifa":100,"net_nifa":-4900,"tfa":100,"net_tfa":-4900,"tfa_he":34100,"tw":37450,"age":39,"inc":30780,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":52000,"hequity":18000,"nifa":810,"net_nifa":-5190,"tfa":810,"net_tfa":-5190,"tfa_he":12810,"tw":12810,"age":45,"inc":47178,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-5190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-3650,"tfa":650,"net_tfa":-3650,"tfa_he":-3650,"tw":-300,"age":50,"inc":12240,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-3650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":27500,"hequity":37500,"nifa":38200,"net_nifa":38200,"tfa":38200,"net_tfa":38200,"tfa_he":75700,"tw":80300,"age":39,"inc":109392,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":38200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":49000,"a401":0,"hval":50000,"hmort":50000,"hequity":0,"nifa":100000,"net_nifa":95500,"tfa":149000,"net_tfa":144500,"tfa_he":144500,"tw":144500,"age":53,"inc":104235,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":144500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":69900,"hmort":54000,"hequity":15900,"nifa":1500,"net_nifa":-47500,"tfa":1500,"net_tfa":-47500,"tfa_he":-31600,"tw":-31600,"age":42,"inc":63207,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-47500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":74000,"hequity":15000,"nifa":1500,"net_nifa":1000,"tfa":1500,"net_tfa":1000,"tfa_he":16000,"tw":29000,"age":41,"inc":70905,"fsize":6,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":0,"hequity":135000,"nifa":24019,"net_nifa":24019,"tfa":24019,"net_tfa":24019,"tfa_he":159019,"tw":192694,"age":50,"inc":7980,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.375,"net_n401":24019,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":104000,"hmort":104000,"hequity":0,"nifa":7500,"net_nifa":6000,"tfa":7500,"net_tfa":6000,"tfa_he":6000,"tw":9000,"age":28,"inc":29880,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":8000,"hequity":42000,"nifa":200,"net_nifa":-4800,"tfa":200,"net_tfa":-4800,"tfa_he":37200,"tw":38483,"age":47,"inc":16818,"fsize":8,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-4800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15327,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":10,"net_nifa":-290,"tfa":15337,"net_tfa":15037,"tfa_he":115037,"tw":286037,"age":64,"inc":42864,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":15037,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":48500,"hmort":20500,"hequity":28000,"nifa":9150,"net_nifa":4150,"tfa":9150,"net_tfa":4150,"tfa_he":32150,"tw":32850,"age":47,"inc":17010,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":4150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":29,"inc":19644,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":35000,"hequity":3000,"nifa":100,"net_nifa":-95,"tfa":100,"net_tfa":-95,"tfa_he":2905,"tw":3905,"age":34,"inc":13509,"fsize":7,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-95,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":90000,"hmort":83000,"hequity":7000,"nifa":1150,"net_nifa":-14650,"tfa":4150,"net_tfa":-11650,"tfa_he":-4650,"tw":39350,"age":33,"inc":59172,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":-11650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":29500,"hequity":15500,"nifa":28000,"net_nifa":28000,"tfa":28000,"net_tfa":28000,"tfa_he":43500,"tw":140822,"age":41,"inc":31254,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":28000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3150,"net_nifa":1150,"tfa":3150,"net_tfa":1150,"tfa_he":1150,"tw":6829,"age":31,"inc":45420,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":1150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":57000,"hequity":0,"nifa":100,"net_nifa":-2400,"tfa":100,"net_tfa":-2400,"tfa_he":-2400,"tw":950,"age":49,"inc":19800,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-2400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-15000,"tfa":7000,"net_tfa":-10000,"tfa_he":-10000,"tw":8125,"age":46,"inc":71988,"fsize":1,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.55004,"net_n401":-10000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":173,"net_nifa":-8827,"tfa":173,"net_tfa":-8827,"tfa_he":-8827,"tw":-8427,"age":32,"inc":13242,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-8827,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":46000,"hequity":14000,"nifa":500,"net_nifa":0,"tfa":500,"net_tfa":0,"tfa_he":14000,"tw":21000,"age":38,"inc":24795,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":10000,"net_tfa":10000,"tfa_he":10000,"tw":10750,"age":36,"inc":38100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":10000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":0,"hequity":48000,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":48800,"tw":48800,"age":52,"inc":26118,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3300,"tfa":0,"net_tfa":-3300,"tfa_he":-3300,"tw":-800,"age":36,"inc":8622,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-3300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":899,"net_nifa":-2101,"tfa":899,"net_tfa":-2101,"tfa_he":-2101,"tw":-1151,"age":32,"inc":19638,"fsize":4,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-2101,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9999,"net_nifa":9499,"tfa":9999,"net_tfa":9499,"tfa_he":9499,"tw":9499,"age":29,"inc":52200,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":9499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":27,"inc":32040,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-1350,"tfa":150,"net_tfa":-1350,"tfa_he":-1350,"tw":-800,"age":27,"inc":25200,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":0,"hequity":48000,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":47500,"tw":47700,"age":48,"inc":34074,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":10800,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":248,"net_nifa":-1552,"tfa":248,"net_tfa":-1552,"tfa_he":-1552,"tw":-1552,"age":54,"inc":19371,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":-1552,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2400,"a401":0,"hval":150000,"hmort":35000,"hequity":115000,"nifa":10450,"net_nifa":10250,"tfa":12850,"net_tfa":12650,"tfa_he":127650,"tw":128850,"age":32,"inc":24624,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":12650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":275,"net_nifa":275,"tfa":275,"net_tfa":275,"tfa_he":275,"tw":8375,"age":26,"inc":28035,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":275,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":299,"tfa":299,"net_tfa":299,"tfa_he":299,"tw":799,"age":36,"inc":12243,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":299,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":79500,"hequity":45500,"nifa":260,"net_nifa":-1840,"tfa":260,"net_tfa":-1840,"tfa_he":43660,"tw":201160,"age":33,"inc":44388,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":31,"inc":9150,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":69120,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":18000,"hequity":22000,"nifa":2700,"net_nifa":2700,"tfa":2700,"net_tfa":2700,"tfa_he":24700,"tw":29550,"age":44,"inc":32460,"fsize":2,"educ":14,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19000,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":12000,"net_nifa":12000,"tfa":31000,"net_tfa":31000,"tfa_he":61000,"tw":63575,"age":59,"inc":13170,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":31000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30600,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":61399,"net_nifa":61399,"tfa":91999,"net_tfa":91999,"tfa_he":341999,"tw":341999,"age":40,"inc":60360,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":91999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21417,"net_nifa":9217,"tfa":21417,"net_tfa":9217,"tfa_he":9217,"tw":83767,"age":50,"inc":91704,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":9217,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":40,"net_nifa":-160,"tfa":340,"net_tfa":140,"tfa_he":140,"tw":140,"age":46,"inc":23391,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":140,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":60000,"net_nifa":56000,"tfa":78000,"net_tfa":74000,"tfa_he":224000,"tw":374000,"age":48,"inc":151572,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":74000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1250,"net_nifa":-2650,"tfa":1250,"net_tfa":-2650,"tfa_he":-2650,"tw":34750,"age":36,"inc":15639,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":31000,"hequity":4000,"nifa":1265,"net_nifa":-1235,"tfa":1265,"net_tfa":-1235,"tfa_he":2765,"tw":24765,"age":43,"inc":36510,"fsize":7,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1235,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":18000,"tw":18000,"age":48,"inc":26604,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":18000,"net_nifa":17200,"tfa":18000,"net_tfa":17200,"tfa_he":17200,"tw":22442,"age":56,"inc":20310,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":17200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1038,"net_nifa":-3248,"tfa":1038,"net_tfa":-3248,"tfa_he":-3248,"tw":-2248,"age":27,"inc":25995,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3248,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":36500,"hmort":36500,"hequity":0,"nifa":5200,"net_nifa":-5300,"tfa":5200,"net_tfa":-5300,"tfa_he":-5300,"tw":3700,"age":39,"inc":52416,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15695,"a401":0,"hval":110000,"hmort":64000,"hequity":46000,"nifa":9298,"net_nifa":9298,"tfa":24993,"net_tfa":24993,"tfa_he":70993,"tw":70993,"age":37,"inc":41358,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":24993,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":24000,"hmort":24000,"hequity":0,"nifa":13,"net_nifa":13,"tfa":13,"net_tfa":13,"tfa_he":13,"tw":13,"age":39,"inc":17424,"fsize":6,"educ":9,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":13,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":79399,"net_nifa":79399,"tfa":86399,"net_tfa":86399,"tfa_he":261399,"tw":269049,"age":50,"inc":18981,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.31086,"net_n401":86399,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4646,"age":35,"inc":28647,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":70000,"hequity":5000,"nifa":2695,"net_nifa":-9505,"tfa":2695,"net_tfa":-9505,"tfa_he":-4505,"tw":19495,"age":33,"inc":54288,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-9505,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":95,"net_nifa":95,"tfa":95,"net_tfa":95,"tfa_he":95,"tw":95,"age":26,"inc":6663,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":95,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30100,"net_nifa":29100,"tfa":30100,"net_tfa":29100,"tfa_he":29100,"tw":29100,"age":35,"inc":23904,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":29100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1889,"net_nifa":-611,"tfa":1889,"net_tfa":-611,"tfa_he":-611,"tw":-611,"age":26,"inc":50400,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-611,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":49500,"hequity":75500,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":76200,"tw":78700,"age":64,"inc":15366,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":19851,"net_nifa":14851,"tfa":19851,"net_tfa":14851,"tfa_he":14851,"tw":15851,"age":27,"inc":55683,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":14851,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1950,"age":37,"inc":10710,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-1700,"tfa":2100,"net_tfa":-1700,"tfa_he":-1700,"tw":1450,"age":30,"inc":25917,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-1700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":70000,"hequity":50000,"nifa":0,"net_nifa":-450,"tfa":0,"net_tfa":-450,"tfa_he":49550,"tw":50150,"age":25,"inc":34794,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-100,"tfa":400,"net_tfa":-100,"tfa_he":-100,"tw":6400,"age":33,"inc":20250,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":0,"hval":105000,"hmort":7400,"hequity":97600,"nifa":41020,"net_nifa":39760,"tfa":41520,"net_tfa":40260,"tfa_he":137860,"tw":175860,"age":31,"inc":2541,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.20883,"net_n401":40260,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":850,"net_nifa":850,"tfa":850,"net_tfa":850,"tfa_he":850,"tw":3350,"age":36,"inc":26400,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":105000,"hequity":125000,"nifa":600,"net_nifa":-11400,"tfa":600,"net_tfa":-11400,"tfa_he":113600,"tw":120600,"age":40,"inc":24615,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-11400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":150,"net_nifa":-8550,"tfa":150,"net_tfa":-8550,"tfa_he":-3550,"tw":-3175,"age":30,"inc":10560,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-8550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":88500,"net_nifa":88000,"tfa":88500,"net_tfa":88000,"tfa_he":88000,"tw":93500,"age":40,"inc":121404,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.45726,"net_n401":88000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":12720,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1924,"net_nifa":-1276,"tfa":5924,"net_tfa":2724,"tfa_he":2724,"tw":7966,"age":51,"inc":34302,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":2724,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":48000,"hequity":27000,"nifa":1400,"net_nifa":-4100,"tfa":1400,"net_tfa":-4100,"tfa_he":22900,"tw":25900,"age":39,"inc":43089,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-4100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":34,"inc":12168,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":4500,"hmort":0,"hequity":4500,"nifa":5200,"net_nifa":5200,"tfa":5200,"net_tfa":5200,"tfa_he":9700,"tw":14500,"age":28,"inc":38058,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":5200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":88000,"hmort":77000,"hequity":11000,"nifa":5500,"net_nifa":-14500,"tfa":5500,"net_tfa":-14500,"tfa_he":-3500,"tw":3500,"age":35,"inc":70290,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-14500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":5000,"net_nifa":2000,"tfa":5000,"net_tfa":2000,"tfa_he":132000,"tw":132000,"age":58,"inc":49290,"fsize":6,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":600,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":10100,"net_nifa":10100,"tfa":10700,"net_tfa":10700,"tfa_he":135700,"tw":141700,"age":52,"inc":32511,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":35100,"tw":38450,"age":52,"inc":4890,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":100,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-120,"tfa":0,"net_tfa":-120,"tfa_he":-120,"tw":-120,"age":27,"inc":10725,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-120,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":27200,"net_nifa":26800,"tfa":27200,"net_tfa":26800,"tfa_he":26800,"tw":32475,"age":41,"inc":23562,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":26800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":10893,"age":56,"inc":15480,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":0,"tfa":300,"net_tfa":0,"tfa_he":0,"tw":2375,"age":30,"inc":15966,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":34000,"a401":0,"hval":110000,"hmort":40000,"hequity":70000,"nifa":137450,"net_nifa":137450,"tfa":171450,"net_tfa":171450,"tfa_he":241450,"tw":241450,"age":41,"inc":51510,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":171450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-9200,"tfa":0,"net_tfa":-9200,"tfa_he":-9200,"tw":-9200,"age":40,"inc":39954,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-9200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":101000,"hequity":49000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":49200,"tw":49200,"age":42,"inc":30600,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-4500,"tfa":1000,"net_tfa":-4500,"tfa_he":-4500,"tw":-4500,"age":59,"inc":40290,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-4500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":58,"inc":14247,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":33000,"a401":0,"hval":150000,"hmort":20000,"hequity":130000,"nifa":6999,"net_nifa":6499,"tfa":39999,"net_tfa":39499,"tfa_he":169499,"tw":214499,"age":63,"inc":12294,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14649,"net_n401":39499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":199,"tfa":199,"net_tfa":199,"tfa_he":199,"tw":7699,"age":48,"inc":20418,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":199,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":23000,"hmort":19130,"hequity":3870,"nifa":20,"net_nifa":-3730,"tfa":20,"net_tfa":-3730,"tfa_he":140,"tw":32870,"age":27,"inc":19380,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-3730,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":38,"inc":12300,"fsize":7,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":35000,"hequity":40000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":40200,"tw":40200,"age":36,"inc":35997,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":36700,"tw":37700,"age":47,"inc":16260,"fsize":2,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":1700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":8000,"tw":19900,"age":33,"inc":18621,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5242,"age":49,"inc":13950,"fsize":6,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":0,"hval":300000,"hmort":100000,"hequity":200000,"nifa":2000,"net_nifa":2000,"tfa":24000,"net_tfa":24000,"tfa_he":224000,"tw":224000,"age":43,"inc":104778,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":24000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":92692,"hequity":308,"nifa":1825,"net_nifa":-10275,"tfa":1825,"net_tfa":-10275,"tfa_he":-9967,"tw":9433,"age":30,"inc":57000,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":17000,"hequity":103000,"nifa":4000,"net_nifa":-1950,"tfa":4000,"net_tfa":-1950,"tfa_he":101050,"tw":101050,"age":51,"inc":32526,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-1950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":95000,"hmort":34600,"hequity":60400,"nifa":1509,"net_nifa":-1791,"tfa":16509,"net_tfa":13209,"tfa_he":73609,"tw":87609,"age":46,"inc":73785,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":13209,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":5000,"hequity":30000,"nifa":200,"net_nifa":-4800,"tfa":200,"net_tfa":-4800,"tfa_he":25200,"tw":25200,"age":54,"inc":12048,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-4800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-2780,"tfa":20,"net_tfa":-2780,"tfa_he":-2780,"tw":3245,"age":38,"inc":19212,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-2780,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-5400,"tfa":600,"net_tfa":-5400,"tfa_he":-5400,"tw":-4675,"age":40,"inc":21975,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-5400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":32000,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":94150,"net_nifa":94150,"tfa":126150,"net_tfa":126150,"tfa_he":246150,"tw":257625,"age":50,"inc":49830,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.44148,"net_n401":126150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":2823,"net_nifa":2823,"tfa":2823,"net_tfa":2823,"tfa_he":82823,"tw":82823,"age":40,"inc":41568,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2823,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":7100,"age":40,"inc":16848,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-6950,"tfa":50,"net_tfa":-6950,"tfa_he":-6950,"tw":-6950,"age":25,"inc":27606,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-6950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":249,"tw":249,"age":42,"inc":40035,"fsize":7,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":85000,"hequity":2000,"nifa":5000,"net_nifa":3900,"tfa":5000,"net_tfa":3900,"tfa_he":5900,"tw":13900,"age":28,"inc":42801,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2975,"age":37,"inc":18240,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":40000,"hequity":20000,"nifa":28420,"net_nifa":28420,"tfa":28420,"net_tfa":28420,"tfa_he":48420,"tw":48920,"age":51,"inc":14574,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":28420,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":2600,"tfa":4000,"net_tfa":2600,"tfa_he":2600,"tw":5675,"age":28,"inc":29160,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":9200,"age":35,"inc":17472,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":5000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5150,"net_nifa":5150,"tfa":5150,"net_tfa":5150,"tfa_he":5150,"tw":14150,"age":25,"inc":24534,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":5150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":3199,"age":34,"inc":12000,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":18000,"hequity":57000,"nifa":400,"net_nifa":-300,"tfa":400,"net_tfa":-300,"tfa_he":56700,"tw":57700,"age":49,"inc":18975,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17100,"net_nifa":16800,"tfa":17100,"net_tfa":16800,"tfa_he":16800,"tw":16800,"age":55,"inc":28893,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":16800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":25000,"hequity":25000,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":24400,"tw":24400,"age":45,"inc":18600,"fsize":6,"educ":2,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":41,"inc":41040,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":80000,"net_nifa":77000,"tfa":100000,"net_tfa":97000,"tfa_he":397000,"tw":404575,"age":61,"inc":37980,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":97000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6600,"a401":0,"hval":73000,"hmort":68000,"hequity":5000,"nifa":547500,"net_nifa":544500,"tfa":554100,"net_tfa":551100,"tfa_he":556100,"tw":566100,"age":45,"inc":76938,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":551100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":899,"tfa":999,"net_tfa":899,"tfa_he":899,"tw":6399,"age":35,"inc":42540,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":0,"hequity":54000,"nifa":43400,"net_nifa":42632,"tfa":43400,"net_tfa":42632,"tfa_he":96632,"tw":96632,"age":62,"inc":44403,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":42632,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":33000,"hequity":12000,"nifa":1700,"net_nifa":-900,"tfa":1700,"net_tfa":-900,"tfa_he":11100,"tw":11100,"age":29,"inc":30606,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":25199,"net_nifa":23699,"tfa":25199,"net_tfa":23699,"tfa_he":23699,"tw":32199,"age":31,"inc":43116,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":23699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1140,"net_nifa":-959,"tfa":1140,"net_tfa":-959,"tfa_he":-959,"tw":-959,"age":31,"inc":20418,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-959,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-2701,"tfa":499,"net_tfa":-2701,"tfa_he":-2701,"tw":4395,"age":38,"inc":17946,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2701,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":48000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":83100,"net_nifa":82812,"tfa":131100,"net_tfa":130812,"tfa_he":200812,"tw":200812,"age":59,"inc":45519,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":130812,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":68000,"hequity":-8000,"nifa":1450,"net_nifa":450,"tfa":1450,"net_tfa":450,"tfa_he":-7550,"tw":1450,"age":30,"inc":32430,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":41900,"hequity":100,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":600,"tw":3000,"age":28,"inc":24258,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":655,"net_nifa":-545,"tfa":10255,"net_tfa":9055,"tfa_he":9055,"tw":15055,"age":39,"inc":34908,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":9055,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":-2700,"tfa":1800,"net_tfa":-2700,"tfa_he":-2700,"tw":-2700,"age":28,"inc":510,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-2700,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90,"net_nifa":-1120,"tfa":90,"net_tfa":-1120,"tfa_he":-1120,"tw":1880,"age":30,"inc":18378,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1120,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":62000,"hequity":13000,"nifa":2900,"net_nifa":-5400,"tfa":2900,"net_tfa":-5400,"tfa_he":7600,"tw":25600,"age":44,"inc":63627,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":146500,"hmort":95500,"hequity":51000,"nifa":5400,"net_nifa":3200,"tfa":5400,"net_tfa":3200,"tfa_he":54200,"tw":61400,"age":46,"inc":36930,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":146500,"hmort":146500,"hequity":0,"nifa":300,"net_nifa":-1025,"tfa":300,"net_tfa":-1025,"tfa_he":-1025,"tw":-1025,"age":46,"inc":85065,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-1025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":27,"inc":14655,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":150000,"hmort":150000,"hequity":0,"nifa":4499,"net_nifa":4499,"tfa":8499,"net_tfa":8499,"tfa_he":8499,"tw":13499,"age":34,"inc":35118,"fsize":7,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":8499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":700,"tfa":2200,"net_tfa":700,"tfa_he":700,"tw":6700,"age":27,"inc":28845,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4800,"net_nifa":4200,"tfa":4800,"net_tfa":4200,"tfa_he":4200,"tw":4550,"age":28,"inc":11616,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":4200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":32000,"hequity":8000,"nifa":13000,"net_nifa":13000,"tfa":13000,"net_tfa":13000,"tfa_he":21000,"tw":21000,"age":41,"inc":15480,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":13000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4415,"tfa":4500,"net_tfa":4415,"tfa_he":4415,"tw":4415,"age":41,"inc":26610,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":4415,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":29,"inc":11721,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3400,"tfa":100,"net_tfa":-3400,"tfa_he":-3400,"tw":-1850,"age":44,"inc":24174,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-3400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":32500,"hequity":26500,"nifa":160,"net_nifa":-7495,"tfa":160,"net_tfa":-7495,"tfa_he":19005,"tw":19005,"age":42,"inc":16326,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":-7495,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1300,"a401":0,"hval":150000,"hmort":100000,"hequity":50000,"nifa":18300,"net_nifa":16600,"tfa":19600,"net_tfa":17900,"tfa_he":67900,"tw":67900,"age":35,"inc":51300,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":17900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":800,"tfa":1300,"net_tfa":800,"tfa_he":800,"tw":12800,"age":52,"inc":46800,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":1500,"tfa":2600,"net_tfa":1500,"tfa_he":1500,"tw":3000,"age":49,"inc":16284,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15220,"net_nifa":11535,"tfa":15220,"net_tfa":11535,"tfa_he":11535,"tw":23535,"age":64,"inc":26733,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":11535,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10520,"net_nifa":8220,"tfa":10520,"net_tfa":8220,"tfa_he":8220,"tw":11020,"age":58,"inc":27264,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":8220,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":30000,"hequity":20000,"nifa":1050,"net_nifa":-250,"tfa":1050,"net_tfa":-250,"tfa_he":19750,"tw":22300,"age":28,"inc":21639,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":54,"inc":27240,"fsize":5,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4100,"net_nifa":-6500,"tfa":4100,"net_tfa":-6500,"tfa_he":-6500,"tw":-1800,"age":44,"inc":19560,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":70000,"hequity":8000,"nifa":4499,"net_nifa":2499,"tfa":4499,"net_tfa":2499,"tfa_he":10499,"tw":34274,"age":45,"inc":39207,"fsize":3,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":-5500,"tfa":6500,"net_tfa":-5500,"tfa_he":-5500,"tw":-1834,"age":28,"inc":27546,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-5500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":8061,"age":30,"inc":8400,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":4100,"net_nifa":-5400,"tfa":4100,"net_tfa":-5400,"tfa_he":44600,"tw":44600,"age":38,"inc":56115,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":67000,"hmort":44000,"hequity":23000,"nifa":10,"net_nifa":10,"tfa":4010,"net_tfa":4010,"tfa_he":27010,"tw":30010,"age":37,"inc":30438,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":4010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":66703,"a401":0,"hval":260000,"hmort":0,"hequity":260000,"nifa":274000,"net_nifa":274000,"tfa":345603,"net_tfa":345603,"tfa_he":605603,"tw":805603,"age":52,"inc":110952,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":340703,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3900,"net_nifa":3900,"tfa":3900,"net_tfa":3900,"tfa_he":3900,"tw":5400,"age":25,"inc":18846,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":3900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24320,"net_nifa":24320,"tfa":24320,"net_tfa":24320,"tfa_he":24320,"tw":24320,"age":31,"inc":42336,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":24320,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":120000,"hmort":83000,"hequity":37000,"nifa":4000,"net_nifa":1900,"tfa":8000,"net_tfa":5900,"tfa_he":42900,"tw":42900,"age":31,"inc":27906,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":900,"a401":0,"hval":90000,"hmort":65000,"hequity":25000,"nifa":2500,"net_nifa":-400,"tfa":3400,"net_tfa":500,"tfa_he":25500,"tw":30350,"age":46,"inc":36120,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":10500,"hequity":31500,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":27600,"tw":28100,"age":37,"inc":13839,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-3900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-775,"tfa":0,"net_tfa":-775,"tfa_he":-775,"tw":575,"age":36,"inc":7317,"fsize":1,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.04868,"net_n401":-775,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":71500,"hequity":3500,"nifa":300,"net_nifa":-8700,"tfa":300,"net_tfa":-8700,"tfa_he":-5200,"tw":3800,"age":45,"inc":61830,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-8700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":0,"hval":85000,"hmort":4883,"hequity":80117,"nifa":91766,"net_nifa":91766,"tfa":104766,"net_tfa":104766,"tfa_he":184883,"tw":184883,"age":62,"inc":45432,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":104766,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":37000,"hequity":83000,"nifa":8600,"net_nifa":7600,"tfa":8600,"net_tfa":7600,"tfa_he":90600,"tw":90600,"age":58,"inc":33219,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":7600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":8333,"age":32,"inc":13140,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":645,"tfa":1100,"net_tfa":645,"tfa_he":645,"tw":645,"age":43,"inc":12240,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":645,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":64480,"hequity":40520,"nifa":4285,"net_nifa":2085,"tfa":4285,"net_tfa":2085,"tfa_he":42605,"tw":88605,"age":46,"inc":33408,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":2085,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":35000,"hequity":25000,"nifa":4435,"net_nifa":4245,"tfa":4435,"net_tfa":4245,"tfa_he":29245,"tw":34295,"age":36,"inc":29160,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":4245,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":90000,"hmort":77000,"hequity":13000,"nifa":6999,"net_nifa":3899,"tfa":9499,"net_tfa":6399,"tfa_he":19399,"tw":45399,"age":39,"inc":91980,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":6399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":2219,"age":33,"inc":25326,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":22000,"hequity":8000,"nifa":150,"net_nifa":-1600,"tfa":150,"net_tfa":-1600,"tfa_he":6400,"tw":6400,"age":37,"inc":19446,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47500,"hmort":25000,"hequity":22500,"nifa":4100,"net_nifa":3484,"tfa":4100,"net_tfa":3484,"tfa_he":25984,"tw":25984,"age":38,"inc":25290,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":3484,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":54000,"hequity":16000,"nifa":1000,"net_nifa":-4456,"tfa":1000,"net_tfa":-4456,"tfa_he":11544,"tw":12069,"age":37,"inc":30942,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-4456,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":20400,"fsize":3,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":299,"net_nifa":-15001,"tfa":299,"net_tfa":-15001,"tfa_he":24999,"tw":24999,"age":33,"inc":31236,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-15001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":73000,"hmort":63000,"hequity":10000,"nifa":1500,"net_nifa":-500,"tfa":1500,"net_tfa":-500,"tfa_he":9500,"tw":10500,"age":45,"inc":9456,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":-500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":25000,"hequity":65000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":70000,"tw":70000,"age":36,"inc":48300,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":44,"inc":15135,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":43000,"hequity":57000,"nifa":2000,"net_nifa":-6000,"tfa":2000,"net_tfa":-6000,"tfa_he":51000,"tw":58000,"age":38,"inc":31020,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":90599,"tw":90599,"age":60,"inc":38949,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":200000,"tw":272000,"age":60,"inc":12792,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":2600,"tfa":2600,"net_tfa":2600,"tfa_he":2600,"tw":2600,"age":25,"inc":4944,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":2600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":30,"inc":20430,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2500,"hmort":0,"hequity":2500,"nifa":1000,"net_nifa":-2400,"tfa":1000,"net_tfa":-2400,"tfa_he":100,"tw":5300,"age":41,"inc":30240,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":92500,"hmort":0,"hequity":92500,"nifa":80,"net_nifa":-2100,"tfa":80,"net_tfa":-2100,"tfa_he":90400,"tw":97400,"age":57,"inc":32592,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":210000,"hmort":103000,"hequity":107000,"nifa":74999,"net_nifa":73499,"tfa":74999,"net_tfa":73499,"tfa_he":180499,"tw":180499,"age":44,"inc":55344,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":73499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":75000,"hmort":30000,"hequity":45000,"nifa":35000,"net_nifa":35000,"tfa":55000,"net_tfa":55000,"tfa_he":100000,"tw":127000,"age":63,"inc":55500,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":0,"tfa":300,"net_tfa":0,"tfa_he":0,"tw":4875,"age":28,"inc":22833,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":20000,"hequity":280000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":280000,"tw":293596,"age":38,"inc":41496,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":88,"net_nifa":68,"tfa":88,"net_tfa":68,"tfa_he":68,"tw":68,"age":28,"inc":7779,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":68,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6130,"net_nifa":5741,"tfa":6130,"net_tfa":5741,"tfa_he":5741,"tw":13195,"age":29,"inc":44670,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":5741,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":310,"net_nifa":310,"tfa":310,"net_tfa":310,"tfa_he":310,"tw":810,"age":38,"inc":5133,"fsize":1,"educ":15,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":310,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15500,"hmort":15500,"hequity":0,"nifa":1345,"net_nifa":-655,"tfa":1345,"net_tfa":-655,"tfa_he":-655,"tw":10345,"age":33,"inc":25356,"fsize":4,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-655,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":7563,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":0,"hequity":68000,"nifa":999,"net_nifa":-29001,"tfa":999,"net_tfa":-29001,"tfa_he":38999,"tw":38999,"age":61,"inc":49002,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-29001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":69000,"hequity":71000,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":70500,"tw":70500,"age":34,"inc":13320,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":38000,"hequity":2000,"nifa":432,"net_nifa":432,"tfa":432,"net_tfa":432,"tfa_he":2432,"tw":2932,"age":43,"inc":14829,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":432,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-995,"tfa":5,"net_tfa":-995,"tfa_he":-995,"tw":1430,"age":29,"inc":15555,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-995,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":29900,"hequity":70100,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":67100,"tw":67100,"age":51,"inc":8730,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-3000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":47900,"hequity":17100,"nifa":525,"net_nifa":-3975,"tfa":525,"net_tfa":-3975,"tfa_he":13125,"tw":34405,"age":46,"inc":25332,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-3975,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":39950,"hequity":50050,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50050,"tw":50050,"age":50,"inc":17688,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-19425,"tfa":25,"net_tfa":-19425,"tfa_he":-19425,"tw":-17350,"age":34,"inc":29430,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-19425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2812,"net_nifa":-12188,"tfa":2812,"net_tfa":-12188,"tfa_he":-12188,"tw":-7088,"age":34,"inc":39303,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-12188,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":58,"inc":8607,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4300,"net_nifa":2728,"tfa":4300,"net_tfa":2728,"tfa_he":2728,"tw":2728,"age":25,"inc":19458,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":2728,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":21000,"hmort":12500,"hequity":8500,"nifa":5000,"net_nifa":4500,"tfa":5000,"net_tfa":4500,"tfa_he":13000,"tw":13000,"age":59,"inc":7740,"fsize":2,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":4500,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":4590,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3100,"net_nifa":3100,"tfa":3100,"net_tfa":3100,"tfa_he":3100,"tw":4600,"age":60,"inc":17124,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":3100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":58500,"net_nifa":58500,"tfa":62000,"net_tfa":62000,"tfa_he":62000,"tw":78553,"age":59,"inc":36696,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.67399,"net_n401":62000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":0,"hval":190000,"hmort":76000,"hequity":114000,"nifa":7000,"net_nifa":800,"tfa":9500,"net_tfa":3300,"tfa_he":117300,"tw":122000,"age":37,"inc":52821,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":88000,"hmort":16000,"hequity":72000,"nifa":2199,"net_nifa":-8801,"tfa":2199,"net_tfa":-8801,"tfa_he":63199,"tw":68199,"age":57,"inc":24612,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-8801,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":31000,"hmort":31000,"hequity":0,"nifa":200,"net_nifa":-300,"tfa":200,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":58,"inc":19986,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":425,"a401":0,"hval":82000,"hmort":76000,"hequity":6000,"nifa":10250,"net_nifa":8250,"tfa":10675,"net_tfa":8675,"tfa_he":14675,"tw":14675,"age":44,"inc":55230,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":8675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":90000,"hmort":50000,"hequity":40000,"nifa":37253,"net_nifa":37253,"tfa":54253,"net_tfa":54253,"tfa_he":94253,"tw":99528,"age":52,"inc":50544,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":54253,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":317,"net_nifa":317,"tfa":317,"net_tfa":317,"tfa_he":317,"tw":817,"age":30,"inc":12633,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":317,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":-1600,"age":27,"inc":16530,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-1600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":28,"inc":21600,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":16000,"hmort":0,"hequity":16000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":16300,"tw":16300,"age":45,"inc":15840,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":46500,"hmort":46500,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":1200,"age":50,"inc":31296,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":448,"net_nifa":448,"tfa":448,"net_tfa":448,"tfa_he":448,"tw":1198,"age":30,"inc":15300,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":448,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":36000,"hequity":3000,"nifa":1000,"net_nifa":-1200,"tfa":1000,"net_tfa":-1200,"tfa_he":1800,"tw":10800,"age":41,"inc":27375,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":21750,"hequity":128250,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":128250,"tw":128750,"age":62,"inc":9690,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":30000,"hequity":25000,"nifa":90,"net_nifa":-1910,"tfa":90,"net_tfa":-1910,"tfa_he":23090,"tw":24590,"age":42,"inc":12240,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-1910,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":700,"hequity":14300,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":14305,"tw":13805,"age":35,"inc":12963,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":5,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":7999,"tw":7999,"age":35,"inc":19260,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":5589,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":96,"a401":0,"hval":65000,"hmort":35000,"hequity":30000,"nifa":1500,"net_nifa":-1600,"tfa":1596,"net_tfa":-1504,"tfa_he":28496,"tw":46146,"age":41,"inc":9345,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.26963,"net_n401":-1504,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":220,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70,"net_nifa":70,"tfa":290,"net_tfa":290,"tfa_he":290,"tw":290,"age":45,"inc":63300,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35337,"net_n401":290,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":11640,"fsize":3,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":825,"net_nifa":825,"tfa":825,"net_tfa":825,"tfa_he":35825,"tw":51825,"age":43,"inc":14172,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":825,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-16000,"tfa":0,"net_tfa":-16000,"tfa_he":-16000,"tw":-16000,"age":41,"inc":240,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-16000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":34,"inc":11850,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":600,"net_nifa":-1688,"tfa":600,"net_tfa":-1688,"tfa_he":13312,"tw":15673,"age":55,"inc":9888,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":-1688,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":0,"hval":31000,"hmort":0,"hequity":31000,"nifa":3227,"net_nifa":3027,"tfa":23227,"net_tfa":23027,"tfa_he":54027,"tw":65527,"age":37,"inc":30507,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":13027,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":36000,"hequity":4000,"nifa":17,"net_nifa":-2883,"tfa":17,"net_tfa":-2883,"tfa_he":1117,"tw":1117,"age":38,"inc":9759,"fsize":7,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-2883,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":70000,"hequity":45000,"nifa":850,"net_nifa":-950,"tfa":850,"net_tfa":-950,"tfa_he":44050,"tw":44050,"age":39,"inc":58650,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":13749,"net_nifa":13749,"tfa":16749,"net_tfa":16749,"tfa_he":66749,"tw":75624,"age":51,"inc":35031,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":16749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-2850,"tfa":150,"net_tfa":-2850,"tfa_he":-2850,"tw":-2850,"age":39,"inc":15720,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":600,"tw":600,"age":27,"inc":15444,"fsize":7,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":128000,"net_nifa":122800,"tfa":128000,"net_tfa":122800,"tfa_he":372800,"tw":372800,"age":45,"inc":33240,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":122800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7500,"a401":0,"hval":260000,"hmort":150000,"hequity":110000,"nifa":8899,"net_nifa":5599,"tfa":16399,"net_tfa":13099,"tfa_he":123099,"tw":141942,"age":45,"inc":72075,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":13099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":220000,"hmort":45000,"hequity":175000,"nifa":2821,"net_nifa":2571,"tfa":10821,"net_tfa":10571,"tfa_he":185571,"tw":185571,"age":40,"inc":63225,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":10571,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":19200,"net_nifa":19200,"tfa":19200,"net_tfa":19200,"tfa_he":59200,"tw":69200,"age":51,"inc":30516,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":19200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2200,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":10900,"net_nifa":10900,"tfa":13100,"net_tfa":13100,"tfa_he":108100,"tw":122850,"age":39,"inc":30825,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":13100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":33750,"hequity":46250,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":46250,"tw":46250,"age":43,"inc":12828,"fsize":5,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":3000,"age":32,"inc":25338,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":64000,"hequity":16000,"nifa":343,"net_nifa":343,"tfa":343,"net_tfa":343,"tfa_he":16343,"tw":25343,"age":38,"inc":31938,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":343,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":549,"net_nifa":-3151,"tfa":549,"net_tfa":-3151,"tfa_he":1849,"tw":3349,"age":43,"inc":17880,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3151,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2050,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":34800,"net_nifa":23800,"tfa":36850,"net_tfa":25850,"tfa_he":115850,"tw":132850,"age":42,"inc":63858,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":25850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":650,"a401":0,"hval":36000,"hmort":25000,"hequity":11000,"nifa":800,"net_nifa":-3320,"tfa":1450,"net_tfa":-2670,"tfa_he":8330,"tw":15172,"age":36,"inc":21525,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":-2670,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":499,"net_nifa":-1501,"tfa":499,"net_tfa":-1501,"tfa_he":43499,"tw":160499,"age":61,"inc":14466,"fsize":2,"educ":9,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1501,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":65,"net_nifa":-635,"tfa":65,"net_tfa":-635,"tfa_he":-635,"tw":-635,"age":29,"inc":36213,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-635,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1400,"tfa":100,"net_tfa":-1400,"tfa_he":-1400,"tw":-1400,"age":48,"inc":19200,"fsize":5,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":46000,"net_nifa":46000,"tfa":46000,"net_tfa":46000,"tfa_he":91000,"tw":118500,"age":39,"inc":26700,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":46000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":24350,"net_nifa":24350,"tfa":24350,"net_tfa":24350,"tfa_he":24350,"tw":24890,"age":29,"inc":68439,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":24350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":550,"tfa":550,"net_tfa":550,"tfa_he":550,"tw":1800,"age":48,"inc":20970,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":75000,"hequity":25000,"nifa":17000,"net_nifa":17000,"tfa":17000,"net_tfa":17000,"tfa_he":42000,"tw":138975,"age":49,"inc":23100,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":17000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":400,"hequity":51600,"nifa":3800,"net_nifa":3200,"tfa":3800,"net_tfa":3200,"tfa_he":54800,"tw":113396,"age":48,"inc":31830,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":80000,"hequity":70000,"nifa":35299,"net_nifa":32299,"tfa":35299,"net_tfa":32299,"tfa_he":102299,"tw":107799,"age":48,"inc":49263,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":32299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":230000,"hmort":149000,"hequity":81000,"nifa":10700,"net_nifa":10700,"tfa":10700,"net_tfa":10700,"tfa_he":91700,"tw":91700,"age":31,"inc":47154,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":0,"hequity":42000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":42000,"tw":43000,"age":53,"inc":8700,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":61,"inc":40770,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":52000,"hequity":43000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":46000,"tw":50500,"age":42,"inc":50937,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16360,"a401":0,"hval":75000,"hmort":10200,"hequity":64800,"nifa":2100,"net_nifa":2100,"tfa":18460,"net_tfa":18460,"tfa_he":83260,"tw":83260,"age":46,"inc":49431,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":18460,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":85000,"net_nifa":85000,"tfa":97000,"net_tfa":97000,"tfa_he":97000,"tw":97000,"age":59,"inc":49701,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32494,"net_n401":97000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3399,"net_nifa":3399,"tfa":3399,"net_tfa":3399,"tfa_he":3399,"tw":9242,"age":43,"inc":17706,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":3399,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":-181,"tfa":49,"net_tfa":-181,"tfa_he":-181,"tw":2869,"age":37,"inc":15156,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-181,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":150200,"tw":151200,"age":56,"inc":12036,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4,"net_nifa":4,"tfa":4,"net_tfa":4,"tfa_he":4,"tw":4,"age":32,"inc":4668,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":4,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":155,"net_nifa":-31845,"tfa":155,"net_tfa":-31845,"tfa_he":-31845,"tw":-5345,"age":41,"inc":80439,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":-31845,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":26,"inc":10710,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":50,"net_nifa":-800,"tfa":50,"net_tfa":-800,"tfa_he":19200,"tw":20700,"age":48,"inc":9180,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-800,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":100000,"tw":102500,"age":53,"inc":18696,"fsize":6,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":35000,"tw":35000,"age":45,"inc":11766,"fsize":5,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2500,"age":37,"inc":15771,"fsize":1,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1395,"net_nifa":795,"tfa":4395,"net_tfa":3795,"tfa_he":3795,"tw":11445,"age":27,"inc":22047,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":3795,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":11700,"hequity":13300,"nifa":400,"net_nifa":100,"tfa":400,"net_tfa":100,"tfa_he":13400,"tw":13400,"age":63,"inc":16536,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15199,"net_nifa":13399,"tfa":15199,"net_tfa":13399,"tfa_he":13399,"tw":13399,"age":28,"inc":5412,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":13399,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":0,"hval":124000,"hmort":69000,"hequity":55000,"nifa":530,"net_nifa":-1370,"tfa":2030,"net_tfa":130,"tfa_he":55130,"tw":57030,"age":52,"inc":43212,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":48350,"net_nifa":48350,"tfa":54350,"net_tfa":54350,"tfa_he":54350,"tw":64750,"age":43,"inc":58569,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":54350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5250,"age":29,"inc":30633,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":42,"inc":9948,"fsize":5,"educ":3,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":11000,"hmort":12000,"hequity":-1000,"nifa":75,"net_nifa":-1925,"tfa":75,"net_tfa":-1925,"tfa_he":-2925,"tw":-2925,"age":57,"inc":14232,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-1925,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":90000,"hequity":50000,"nifa":40,"net_nifa":40,"tfa":40,"net_tfa":40,"tfa_he":50040,"tw":60719,"age":54,"inc":15594,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":40,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":25000,"hequity":15000,"nifa":4,"net_nifa":-2996,"tfa":4,"net_tfa":-2996,"tfa_he":12004,"tw":15657,"age":33,"inc":11376,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2996,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28000,"a401":0,"hval":100000,"hmort":12000,"hequity":88000,"nifa":25100,"net_nifa":25100,"tfa":53100,"net_tfa":53100,"tfa_he":141100,"tw":141100,"age":63,"inc":27885,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":53100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":7799,"net_nifa":7799,"tfa":7799,"net_tfa":7799,"tfa_he":107799,"tw":107799,"age":57,"inc":12516,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":7799,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":225000,"hmort":150000,"hequity":75000,"nifa":81500,"net_nifa":80500,"tfa":87500,"net_tfa":86500,"tfa_he":161500,"tw":161850,"age":35,"inc":102171,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":86500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":74500,"hequity":5500,"nifa":1570,"net_nifa":-28430,"tfa":1570,"net_tfa":-28430,"tfa_he":-22930,"tw":-22930,"age":29,"inc":52047,"fsize":2,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.66883,"net_n401":-28430,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":40000,"hequity":10000,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":10050,"tw":17050,"age":36,"inc":13821,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21500,"a401":0,"hval":138000,"hmort":65000,"hequity":73000,"nifa":7400,"net_nifa":6800,"tfa":28900,"net_tfa":28300,"tfa_he":101300,"tw":101300,"age":41,"inc":52182,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":15000,"hequity":27000,"nifa":8049,"net_nifa":7049,"tfa":8049,"net_tfa":7049,"tfa_he":34049,"tw":43049,"age":30,"inc":36693,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":7049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":-200,"age":31,"inc":20436,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28500,"hmort":28500,"hequity":0,"nifa":351,"net_nifa":-1149,"tfa":351,"net_tfa":-1149,"tfa_he":-1149,"tw":-1149,"age":37,"inc":22680,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1149,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":20100,"fsize":3,"educ":1,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":33000,"hequity":5000,"nifa":5,"net_nifa":-14995,"tfa":5,"net_tfa":-14995,"tfa_he":-9995,"tw":-9995,"age":52,"inc":23307,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-14995,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":100,"net_nifa":-5025,"tfa":6100,"net_tfa":975,"tfa_he":85975,"tw":86475,"age":42,"inc":6639,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":975,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":25000,"hequity":140000,"nifa":3420,"net_nifa":3203,"tfa":3420,"net_tfa":3203,"tfa_he":143203,"tw":200203,"age":48,"inc":25662,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":3203,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":1500,"hmort":0,"hequity":1500,"nifa":500,"net_nifa":200,"tfa":500,"net_tfa":200,"tfa_he":1700,"tw":2450,"age":34,"inc":8988,"fsize":6,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":200,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":95000,"hmort":27500,"hequity":67500,"nifa":2500,"net_nifa":2500,"tfa":52500,"net_tfa":52500,"tfa_he":120000,"tw":120000,"age":55,"inc":34320,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":52500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":20000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":1304445,"net_nifa":1304445,"tfa":1324445,"net_tfa":1324445,"tfa_he":1344445,"tw":1424445,"age":59,"inc":242124,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":1324445,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":341,"net_nifa":-829,"tfa":341,"net_tfa":-829,"tfa_he":3171,"tw":3171,"age":25,"inc":18447,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-829,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":51,"inc":6240,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":36,"inc":19791,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":42000,"hequity":43000,"nifa":550,"net_nifa":-6450,"tfa":550,"net_tfa":-6450,"tfa_he":36550,"tw":36550,"age":34,"inc":18744,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-6450,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":50000,"hequity":50000,"nifa":74999,"net_nifa":72999,"tfa":74999,"net_tfa":72999,"tfa_he":122999,"tw":122999,"age":55,"inc":55500,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":72999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":42000,"hmort":0,"hequity":42000,"nifa":6,"net_nifa":6,"tfa":6,"net_tfa":6,"tfa_he":42006,"tw":42906,"age":40,"inc":22800,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":6,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":49000,"hequity":8000,"nifa":15500,"net_nifa":14500,"tfa":15500,"net_tfa":14500,"tfa_he":22500,"tw":24500,"age":29,"inc":14850,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":14500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":82000,"hmort":44000,"hequity":38000,"nifa":4000,"net_nifa":3875,"tfa":10000,"net_tfa":9875,"tfa_he":47875,"tw":50028,"age":47,"inc":27006,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":9875,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":40000,"hequity":10000,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":7500,"tw":21950,"age":57,"inc":21840,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":1700,"tw":2325,"age":41,"inc":12504,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":13000,"hmort":13000,"hequity":0,"nifa":1000,"net_nifa":-523,"tfa":1000,"net_tfa":-523,"tfa_he":-523,"tw":2477,"age":31,"inc":15300,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-523,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1310,"net_nifa":-790,"tfa":1310,"net_tfa":-790,"tfa_he":-790,"tw":710,"age":42,"inc":14640,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-790,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":23500,"hequity":11500,"nifa":2700,"net_nifa":-2300,"tfa":2700,"net_tfa":-2300,"tfa_he":9200,"tw":44200,"age":31,"inc":37524,"fsize":7,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":17928,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10010,"net_nifa":10010,"tfa":10010,"net_tfa":10010,"tfa_he":10010,"tw":10010,"age":28,"inc":25800,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":10010,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":58,"inc":22302,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7006,"net_nifa":3606,"tfa":13006,"net_tfa":9606,"tfa_he":9606,"tw":13209,"age":27,"inc":40584,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":9606,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":150000,"hmort":85000,"hequity":65000,"nifa":9200,"net_nifa":3700,"tfa":13200,"net_tfa":7700,"tfa_he":72700,"tw":72700,"age":52,"inc":73110,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":40000,"net_nifa":40000,"tfa":55000,"net_tfa":55000,"tfa_he":80000,"tw":83420,"age":55,"inc":23640,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":150,"tfa":700,"net_tfa":150,"tfa_he":150,"tw":9329,"age":38,"inc":35805,"fsize":4,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":43000,"hequity":7000,"nifa":150,"net_nifa":-11950,"tfa":150,"net_tfa":-11950,"tfa_he":-4950,"tw":-2284,"age":43,"inc":25371,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-11950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3500,"age":27,"inc":52860,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.31695,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":18000,"hequity":7000,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":7600,"tw":8600,"age":42,"inc":10428,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":299,"tfa":299,"net_tfa":299,"tfa_he":299,"tw":2042,"age":47,"inc":10098,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":299,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":76000,"net_nifa":75400,"tfa":111000,"net_tfa":110400,"tfa_he":170400,"tw":178400,"age":59,"inc":46500,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":110400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1099,"net_nifa":-14901,"tfa":1099,"net_tfa":-14901,"tfa_he":-14901,"tw":-12362,"age":30,"inc":19644,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-14901,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7700,"net_nifa":-3000,"tfa":13700,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":26,"inc":70443,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2099,"net_nifa":-932,"tfa":2099,"net_tfa":-932,"tfa_he":-932,"tw":2368,"age":33,"inc":58149,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-932,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":50,"age":29,"inc":54060,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3000,"tw":-2000,"age":32,"inc":40800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":-3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":2770,"age":40,"inc":19044,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":5149,"age":29,"inc":7788,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-600,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":40150,"hequity":14850,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":15150,"tw":23103,"age":42,"inc":36468,"fsize":5,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4800,"a401":0,"hval":230000,"hmort":150000,"hequity":80000,"nifa":139999,"net_nifa":139599,"tfa":144799,"net_tfa":144399,"tfa_he":224399,"tw":359599,"age":55,"inc":32115,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":144399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2575,"age":35,"inc":12420,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":130000,"hmort":90000,"hequity":40000,"nifa":17200,"net_nifa":13200,"tfa":47200,"net_tfa":43200,"tfa_he":83200,"tw":214500,"age":42,"inc":53100,"fsize":6,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":43200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":0,"net_nifa":-2200,"tfa":0,"net_tfa":-2200,"tfa_he":-2200,"tw":800,"age":32,"inc":36150,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2800,"tfa":0,"net_tfa":-2800,"tfa_he":-2800,"tw":-2800,"age":48,"inc":6000,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-2800,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":500,"tfa":2000,"net_tfa":500,"tfa_he":500,"tw":900,"age":32,"inc":24060,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":23000,"hequity":262000,"nifa":3400,"net_nifa":3000,"tfa":3400,"net_tfa":3000,"tfa_he":265000,"tw":265000,"age":26,"inc":39660,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2200,"a401":0,"hval":135000,"hmort":102000,"hequity":33000,"nifa":800,"net_nifa":-50,"tfa":3000,"net_tfa":2150,"tfa_he":35150,"tw":51459,"age":48,"inc":31905,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":2150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":200,"tfa":3000,"net_tfa":200,"tfa_he":200,"tw":200,"age":32,"inc":15216,"fsize":10,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":91200,"hequity":8800,"nifa":50000,"net_nifa":47500,"tfa":50000,"net_tfa":47500,"tfa_he":56300,"tw":56300,"age":48,"inc":27000,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":47500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":73500,"hmort":73500,"hequity":0,"nifa":30499,"net_nifa":28949,"tfa":30499,"net_tfa":28949,"tfa_he":28949,"tw":82848,"age":45,"inc":23028,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":28949,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":27000,"hequity":33000,"nifa":4999,"net_nifa":2899,"tfa":4999,"net_tfa":2899,"tfa_he":35899,"tw":35899,"age":52,"inc":35340,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":2899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4300,"a401":0,"hval":300000,"hmort":25000,"hequity":275000,"nifa":199147,"net_nifa":198447,"tfa":203447,"net_tfa":202747,"tfa_he":477747,"tw":534190,"age":36,"inc":48573,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":202747,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21204,"a401":0,"hval":74000,"hmort":0,"hequity":74000,"nifa":28988,"net_nifa":28988,"tfa":50192,"net_tfa":50192,"tfa_he":124192,"tw":138268,"age":63,"inc":65457,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":50192,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":-500,"tw":925,"age":26,"inc":25815,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26,"net_nifa":-14,"tfa":26,"net_tfa":-14,"tfa_he":-14,"tw":486,"age":35,"inc":16896,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-14,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2550,"a401":0,"hval":55000,"hmort":27000,"hequity":28000,"nifa":2548,"net_nifa":2548,"tfa":5098,"net_tfa":5098,"tfa_he":33098,"tw":33098,"age":63,"inc":15993,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":5098,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":1500,"tfa":1900,"net_tfa":1500,"tfa_he":1500,"tw":56600,"age":31,"inc":44868,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":3849,"age":26,"inc":18030,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-8900,"tfa":650,"net_tfa":-8900,"tfa_he":-8900,"tw":19450,"age":61,"inc":26982,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-8900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":450,"tfa":450,"net_tfa":450,"tfa_he":450,"tw":13450,"age":35,"inc":48615,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":30000,"hequity":5000,"nifa":22700,"net_nifa":22300,"tfa":22700,"net_tfa":22300,"tfa_he":27300,"tw":73100,"age":38,"inc":47043,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":22300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":-5901,"tfa":99,"net_tfa":-5901,"tfa_he":-5901,"tw":-2658,"age":28,"inc":39045,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-5901,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":50000,"hequity":15000,"nifa":100,"net_nifa":-2900,"tfa":100,"net_tfa":-2900,"tfa_he":12100,"tw":13100,"age":33,"inc":24606,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-2900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":-6920,"tfa":80,"net_tfa":-6920,"tfa_he":-6920,"tw":-6420,"age":37,"inc":20403,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":-6920,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":60,"inc":0,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-3420,"tfa":30,"net_tfa":-3420,"tfa_he":-3420,"tw":5,"age":31,"inc":7293,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-3420,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":38000,"hequity":82000,"nifa":6500,"net_nifa":4000,"tfa":6500,"net_tfa":4000,"tfa_he":86000,"tw":92746,"age":49,"inc":48168,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":22500,"hequity":42500,"nifa":800,"net_nifa":-3200,"tfa":800,"net_tfa":-3200,"tfa_he":39300,"tw":52300,"age":43,"inc":25056,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":80000,"hmort":59000,"hequity":21000,"nifa":9999,"net_nifa":6999,"tfa":14999,"net_tfa":11999,"tfa_he":32999,"tw":35424,"age":35,"inc":31200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":11999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46776,"hmort":35610,"hequity":11166,"nifa":150,"net_nifa":-3850,"tfa":150,"net_tfa":-3850,"tfa_he":7316,"tw":7316,"age":48,"inc":30402,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":40000,"hequity":60000,"nifa":7999,"net_nifa":7999,"tfa":7999,"net_tfa":7999,"tfa_he":67999,"tw":67999,"age":47,"inc":74970,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":7999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":-3075,"tfa":325,"net_tfa":-3075,"tfa_he":-3075,"tw":-2575,"age":26,"inc":21456,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3075,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":16000,"tw":16000,"age":35,"inc":21450,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":900,"tfa":900,"net_tfa":900,"tfa_he":900,"tw":900,"age":28,"inc":20916,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":220000,"hmort":0,"hequity":220000,"nifa":37998,"net_nifa":37998,"tfa":37998,"net_tfa":37998,"tfa_he":257998,"tw":277998,"age":60,"inc":81618,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":37998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3190,"a401":0,"hval":80000,"hmort":50000,"hequity":30000,"nifa":800,"net_nifa":-2200,"tfa":3990,"net_tfa":990,"tfa_he":30990,"tw":32990,"age":45,"inc":14427,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.27326,"net_n401":990,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":18500,"hequity":19500,"nifa":1020,"net_nifa":1020,"tfa":1020,"net_tfa":1020,"tfa_he":20520,"tw":20520,"age":48,"inc":32595,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":1020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":12000,"tw":12000,"age":40,"inc":9690,"fsize":5,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":10500,"hequity":47500,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":47200,"tw":60200,"age":51,"inc":11094,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":31500,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":87000,"net_nifa":83400,"tfa":118500,"net_tfa":114900,"tfa_he":189900,"tw":259400,"age":63,"inc":29013,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":114900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":45500,"net_nifa":45500,"tfa":45500,"net_tfa":45500,"tfa_he":95500,"tw":95500,"age":59,"inc":21921,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":45500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":17280,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":11652,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":2000,"net_nifa":0,"tfa":2000,"net_tfa":0,"tfa_he":100000,"tw":104000,"age":63,"inc":42300,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5100,"net_nifa":3100,"tfa":5100,"net_tfa":3100,"tfa_he":3100,"tw":3100,"age":32,"inc":15009,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":3100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":-4700,"tfa":2300,"net_tfa":-4700,"tfa_he":-4700,"tw":-4700,"age":25,"inc":21150,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":249,"tw":249,"age":55,"inc":15135,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":249,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":-10000,"tfa":25000,"net_tfa":0,"tfa_he":0,"tw":2000,"age":38,"inc":92253,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.49355,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":93000,"hmort":45000,"hequity":48000,"nifa":56949,"net_nifa":56949,"tfa":82949,"net_tfa":82949,"tfa_he":130949,"tw":130949,"age":63,"inc":61245,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":82949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":0,"hval":207000,"hmort":115000,"hequity":92000,"nifa":4497,"net_nifa":3997,"tfa":8497,"net_tfa":7997,"tfa_he":99997,"tw":99997,"age":39,"inc":62610,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":7997,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":39,"inc":17412,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-3000,"tfa":500,"net_tfa":-3000,"tfa_he":-3000,"tw":138419,"age":37,"inc":19236,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":866,"tfa":2300,"net_tfa":866,"tfa_he":866,"tw":5866,"age":26,"inc":26388,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":866,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":13000,"hequity":5000,"nifa":400,"net_nifa":-2600,"tfa":400,"net_tfa":-2600,"tfa_he":2400,"tw":3650,"age":39,"inc":16341,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":820,"net_nifa":820,"tfa":820,"net_tfa":820,"tfa_he":820,"tw":820,"age":32,"inc":40215,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":820,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":96000,"hequity":34000,"nifa":1999,"net_nifa":-20001,"tfa":1999,"net_tfa":-20001,"tfa_he":13999,"tw":13999,"age":43,"inc":65973,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-20001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":64000,"hequity":2000,"nifa":927,"net_nifa":-3073,"tfa":927,"net_tfa":-3073,"tfa_he":-1073,"tw":13927,"age":26,"inc":43275,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3073,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":54000,"hequity":0,"nifa":4498,"net_nifa":4498,"tfa":4498,"net_tfa":4498,"tfa_he":4498,"tw":14773,"age":32,"inc":28599,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":4498,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":45000,"hmort":33000,"hequity":12000,"nifa":17030,"net_nifa":15530,"tfa":28030,"net_tfa":26530,"tfa_he":38530,"tw":44080,"age":54,"inc":28329,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":26530,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75000,"net_nifa":75000,"tfa":75000,"net_tfa":75000,"tfa_he":75000,"tw":78333,"age":47,"inc":25533,"fsize":2,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":75000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":10509,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":59000,"hequity":11000,"nifa":399,"net_nifa":-1701,"tfa":399,"net_tfa":-1701,"tfa_he":9299,"tw":10324,"age":54,"inc":22074,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-1701,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":74000,"hequity":8000,"nifa":2300,"net_nifa":-7700,"tfa":2300,"net_tfa":-7700,"tfa_he":300,"tw":3550,"age":37,"inc":56346,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47500,"hmort":32500,"hequity":15000,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":17000,"tw":17000,"age":29,"inc":17970,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":150000,"hmort":75000,"hequity":75000,"nifa":499,"net_nifa":199,"tfa":2999,"net_tfa":2699,"tfa_he":77699,"tw":80899,"age":39,"inc":35178,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":2699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":9910,"tfa":15000,"net_tfa":14910,"tfa_he":14910,"tw":14910,"age":39,"inc":15300,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11816,"net_n401":14910,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":44000,"hmort":31000,"hequity":13000,"nifa":399,"net_nifa":399,"tfa":20399,"net_tfa":20399,"tfa_he":33399,"tw":222899,"age":35,"inc":50424,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":20399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63500,"hmort":32000,"hequity":31500,"nifa":40,"net_nifa":40,"tfa":40,"net_tfa":40,"tfa_he":31540,"tw":32165,"age":44,"inc":17850,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":40,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7200,"a401":0,"hval":115000,"hmort":102000,"hequity":13000,"nifa":45872,"net_nifa":45415,"tfa":53072,"net_tfa":52615,"tfa_he":65615,"tw":65615,"age":31,"inc":34818,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":52615,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":32500,"a401":0,"hval":250000,"hmort":38000,"hequity":212000,"nifa":83000,"net_nifa":61300,"tfa":115500,"net_tfa":93800,"tfa_he":305800,"tw":410000,"age":54,"inc":75876,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":93800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17500,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":4999,"net_nifa":4999,"tfa":22499,"net_tfa":22499,"tfa_he":102499,"tw":102499,"age":60,"inc":39288,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":22499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":0,"net_nifa":-1691,"tfa":0,"net_tfa":-1691,"tfa_he":2309,"tw":2309,"age":63,"inc":10146,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1691,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":118000,"hmort":67000,"hequity":51000,"nifa":1000,"net_nifa":-1500,"tfa":1000,"net_tfa":-1500,"tfa_he":49500,"tw":60670,"age":40,"inc":86781,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":59000,"hmort":59000,"hequity":0,"nifa":20,"net_nifa":-1755,"tfa":20,"net_tfa":-1755,"tfa_he":-1755,"tw":6245,"age":30,"inc":21690,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1755,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-750,"tfa":100,"net_tfa":-750,"tfa_he":-750,"tw":3250,"age":39,"inc":38454,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1150,"tfa":50,"net_tfa":-1150,"tfa_he":-1150,"tw":-1150,"age":27,"inc":8814,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-1150,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":85000,"hequity":85000,"nifa":8000,"net_nifa":7000,"tfa":8000,"net_tfa":7000,"tfa_he":92000,"tw":92000,"age":28,"inc":38466,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":200000,"hmort":112000,"hequity":88000,"nifa":5500,"net_nifa":2000,"tfa":9500,"net_tfa":6000,"tfa_he":94000,"tw":96000,"age":43,"inc":83886,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-310,"tfa":0,"net_tfa":-310,"tfa_he":-310,"tw":-310,"age":39,"inc":16140,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-310,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":17250,"hequity":20750,"nifa":111,"net_nifa":111,"tfa":111,"net_tfa":111,"tfa_he":20861,"tw":21861,"age":30,"inc":13440,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":111,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":10000,"hequity":-2000,"nifa":126,"net_nifa":-11000,"tfa":126,"net_tfa":-11000,"tfa_he":-13000,"tw":51000,"age":28,"inc":31824,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":36,"net_nifa":36,"tfa":36,"net_tfa":36,"tfa_he":36,"tw":1536,"age":32,"inc":14997,"fsize":12,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":36,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4926,"net_nifa":4926,"tfa":7926,"net_tfa":7926,"tfa_he":7926,"tw":110926,"age":29,"inc":45687,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":7926,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":0,"hequity":38000,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":36100,"tw":36100,"age":55,"inc":29097,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":17000,"hmort":10000,"hequity":7000,"nifa":710,"net_nifa":-22065,"tfa":710,"net_tfa":-22065,"tfa_he":-15065,"tw":-6065,"age":48,"inc":26952,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-22065,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":37593,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":-500,"age":28,"inc":6006,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":350,"age":32,"inc":14925,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":45000,"age":32,"inc":36000,"fsize":5,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":229,"net_nifa":229,"tfa":229,"net_tfa":229,"tfa_he":229,"tw":1729,"age":35,"inc":24033,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":229,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":190000,"hmort":88000,"hequity":102000,"nifa":13000,"net_nifa":13000,"tfa":26000,"net_tfa":26000,"tfa_he":128000,"tw":128000,"age":36,"inc":77010,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14800,"a401":0,"hval":38500,"hmort":38500,"hequity":0,"nifa":6485,"net_nifa":5885,"tfa":21285,"net_tfa":20685,"tfa_he":20685,"tw":23210,"age":48,"inc":40641,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.44148,"net_n401":20685,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":7800,"age":32,"inc":25314,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":70500,"hequity":14500,"nifa":95,"net_nifa":95,"tfa":95,"net_tfa":95,"tfa_he":14595,"tw":18595,"age":34,"inc":17253,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":95,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":-750,"age":29,"inc":12216,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-1900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":82100,"net_nifa":82100,"tfa":109100,"net_tfa":109100,"tfa_he":109100,"tw":109100,"age":35,"inc":23973,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":109100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1850,"age":34,"inc":13584,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":22500,"net_nifa":16500,"tfa":22500,"net_tfa":16500,"tfa_he":16500,"tw":26500,"age":31,"inc":25560,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":16500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":-1400,"tw":-1400,"age":27,"inc":25500,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20103,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":90000,"net_nifa":90000,"tfa":110103,"net_tfa":110103,"tfa_he":110103,"tw":118103,"age":37,"inc":49806,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":110103,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":35000,"hequity":40000,"nifa":4122,"net_nifa":3067,"tfa":4122,"net_tfa":3067,"tfa_he":43067,"tw":47067,"age":45,"inc":57915,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":3067,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8600,"a401":0,"hval":97000,"hmort":83500,"hequity":13500,"nifa":6000,"net_nifa":5500,"tfa":14600,"net_tfa":14100,"tfa_he":27600,"tw":27600,"age":49,"inc":30300,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":14100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":72000,"hequity":6000,"nifa":3315,"net_nifa":515,"tfa":3315,"net_tfa":515,"tfa_he":6515,"tw":6515,"age":28,"inc":57612,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":515,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":40,"net_nifa":40,"tfa":40,"net_tfa":40,"tfa_he":25040,"tw":28140,"age":47,"inc":13644,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":40,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":10200,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":52000,"hmort":39500,"hequity":12500,"nifa":2300,"net_nifa":-1700,"tfa":2300,"net_tfa":-1700,"tfa_he":10800,"tw":10800,"age":26,"inc":32748,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":63500,"hequity":16500,"nifa":500,"net_nifa":-1900,"tfa":500,"net_tfa":-1900,"tfa_he":14600,"tw":14600,"age":50,"inc":31278,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":25,"tfa":25,"net_tfa":25,"tfa_he":25,"tw":25,"age":34,"inc":8400,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":25,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":4,"net_nifa":-2596,"tfa":4,"net_tfa":-2596,"tfa_he":37404,"tw":37404,"age":37,"inc":25455,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2596,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2181,"a401":0,"hval":69000,"hmort":63800,"hequity":5200,"nifa":200,"net_nifa":-500,"tfa":2381,"net_tfa":1681,"tfa_he":6881,"tw":9856,"age":29,"inc":22464,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":1681,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":-4000,"tfa":20800,"net_tfa":12800,"tfa_he":12800,"tw":64800,"age":52,"inc":48000,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":12800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":37500,"hequity":42500,"nifa":3300,"net_nifa":300,"tfa":3300,"net_tfa":300,"tfa_he":42800,"tw":51800,"age":38,"inc":31875,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-13551,"tfa":0,"net_tfa":-13551,"tfa_he":-13551,"tw":-13551,"age":41,"inc":7824,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-13551,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":32000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6200,"net_nifa":5500,"tfa":38200,"net_tfa":37500,"tfa_he":37500,"tw":39500,"age":59,"inc":20769,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2062,"net_n401":37500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":99,"tfa":499,"net_tfa":99,"tfa_he":99,"tw":99,"age":42,"inc":23430,"fsize":5,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":99,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":10000,"hequity":55000,"nifa":5000,"net_nifa":3500,"tfa":5000,"net_tfa":3500,"tfa_he":58500,"tw":63300,"age":32,"inc":43521,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":25000,"hequity":175000,"nifa":15000,"net_nifa":15000,"tfa":15000,"net_tfa":15000,"tfa_he":190000,"tw":310000,"age":55,"inc":65124,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":22500,"hequity":37500,"nifa":50199,"net_nifa":47199,"tfa":50199,"net_tfa":47199,"tfa_he":84699,"tw":86199,"age":55,"inc":34248,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":47199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":8670,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12000,"hmort":0,"hequity":12000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":12300,"tw":12300,"age":62,"inc":20151,"fsize":2,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":27000,"hmort":0,"hequity":27000,"nifa":600,"net_nifa":600,"tfa":600,"net_tfa":600,"tfa_he":27600,"tw":28600,"age":61,"inc":11424,"fsize":1,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":0,"net_nifa":-875,"tfa":0,"net_tfa":-875,"tfa_he":14125,"tw":14125,"age":57,"inc":20094,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-875,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":26500,"a401":0,"hval":150000,"hmort":78500,"hequity":71500,"nifa":36035,"net_nifa":36035,"tfa":62535,"net_tfa":62535,"tfa_he":134035,"tw":134035,"age":36,"inc":46710,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":62535,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5798,"net_nifa":5798,"tfa":55798,"net_tfa":55798,"tfa_he":205798,"tw":216091,"age":52,"inc":56514,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":55798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":60000,"hequity":35000,"nifa":13949,"net_nifa":13949,"tfa":13949,"net_tfa":13949,"tfa_he":48949,"tw":49449,"age":35,"inc":55788,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":13949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":68000,"hequity":132000,"nifa":10599,"net_nifa":9999,"tfa":10599,"net_tfa":9999,"tfa_he":141999,"tw":366999,"age":56,"inc":39117,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":27000,"hmort":27000,"hequity":0,"nifa":4000,"net_nifa":3100,"tfa":4000,"net_tfa":3100,"tfa_he":3100,"tw":3100,"age":39,"inc":21300,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":76500,"hequity":8500,"nifa":700,"net_nifa":230,"tfa":700,"net_tfa":230,"tfa_he":8730,"tw":11730,"age":30,"inc":31725,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":230,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7300,"net_nifa":300,"tfa":7300,"net_tfa":300,"tfa_he":300,"tw":300,"age":33,"inc":28560,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2400,"tfa":0,"net_tfa":-2400,"tfa_he":-2400,"tw":-2400,"age":25,"inc":6138,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-2400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-4000,"tfa":100,"net_tfa":-4000,"tfa_he":-4000,"tw":-3500,"age":39,"inc":13773,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-4000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30500,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":449,"net_nifa":-17051,"tfa":30949,"net_tfa":13449,"tfa_he":128449,"tw":156449,"age":51,"inc":39165,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":13449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":55242,"age":59,"inc":1950,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":56000,"hequity":4000,"nifa":4300,"net_nifa":-7700,"tfa":4300,"net_tfa":-7700,"tfa_he":-3700,"tw":-3700,"age":28,"inc":34503,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":45,"inc":17442,"fsize":5,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14700,"a401":0,"hval":130000,"hmort":65000,"hequity":65000,"nifa":75,"net_nifa":-5025,"tfa":14775,"net_tfa":9675,"tfa_he":74675,"tw":74675,"age":53,"inc":50439,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":9675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":72000,"hequity":23000,"nifa":400,"net_nifa":-17100,"tfa":400,"net_tfa":-17100,"tfa_he":5900,"tw":9250,"age":35,"inc":26550,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-17100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20000,"net_nifa":20000,"tfa":20000,"net_tfa":20000,"tfa_he":20000,"tw":24225,"age":44,"inc":22500,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":20000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":900,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":548,"net_nifa":248,"tfa":1448,"net_tfa":1148,"tfa_he":1148,"tw":3648,"age":46,"inc":9720,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.22468,"net_n401":1148,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":46500,"hmort":40800,"hequity":5700,"nifa":1000,"net_nifa":-800,"tfa":1000,"net_tfa":-800,"tfa_he":4900,"tw":5400,"age":29,"inc":21276,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32148,"net_nifa":28648,"tfa":33148,"net_tfa":29648,"tfa_he":29648,"tw":29648,"age":30,"inc":85569,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":29648,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":15000,"hequity":11000,"nifa":400,"net_nifa":-3600,"tfa":400,"net_tfa":-3600,"tfa_he":7400,"tw":8350,"age":30,"inc":27624,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":28000,"hmort":6000,"hequity":22000,"nifa":3050,"net_nifa":2450,"tfa":53050,"net_tfa":52450,"tfa_he":74450,"tw":155650,"age":52,"inc":92724,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":52450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":21900,"net_nifa":21900,"tfa":47900,"net_tfa":47900,"tfa_he":127900,"tw":129400,"age":58,"inc":22050,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26587,"net_n401":47900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1599,"net_nifa":1599,"tfa":1599,"net_tfa":1599,"tfa_he":1599,"tw":6841,"age":64,"inc":6498,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":1599,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-651,"tfa":249,"net_tfa":-651,"tfa_he":-651,"tw":7349,"age":45,"inc":54255,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-651,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":59,"net_nifa":59,"tfa":59,"net_tfa":59,"tfa_he":59,"tw":509,"age":47,"inc":8019,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":59,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50300,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":46000,"net_nifa":43000,"tfa":96300,"net_tfa":93300,"tfa_he":183300,"tw":390300,"age":50,"inc":28908,"fsize":3,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.37883,"net_n401":93300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":61500,"age":57,"inc":14280,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":150,"age":28,"inc":17643,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13700,"net_nifa":13000,"tfa":13700,"net_tfa":13000,"tfa_he":13000,"tw":13000,"age":57,"inc":19260,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":13000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":2600,"age":34,"inc":21600,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":12725,"age":30,"inc":12525,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":37000,"hequity":8000,"nifa":1543,"net_nifa":1473,"tfa":1543,"net_tfa":1473,"tfa_he":9473,"tw":9473,"age":35,"inc":41280,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":1473,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":33750,"hequity":11250,"nifa":1248,"net_nifa":-8752,"tfa":1248,"net_tfa":-8752,"tfa_he":2498,"tw":100998,"age":38,"inc":59229,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-8752,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":6994,"age":31,"inc":28356,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":5,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3810,"net_nifa":3810,"tfa":3810,"net_tfa":3810,"tfa_he":3810,"tw":67585,"age":36,"inc":28464,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":3810,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72500,"hmort":68500,"hequity":4000,"nifa":4540,"net_nifa":340,"tfa":4540,"net_tfa":340,"tfa_he":4340,"tw":26840,"age":49,"inc":41154,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":340,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":62,"inc":19236,"fsize":1,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":169,"net_nifa":169,"tfa":169,"net_tfa":169,"tfa_he":169,"tw":1994,"age":27,"inc":18909,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":169,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":125000,"hmort":95000,"hequity":30000,"nifa":4700,"net_nifa":2200,"tfa":30700,"net_tfa":28200,"tfa_he":58200,"tw":177200,"age":56,"inc":80400,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":28200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":37000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":7399,"net_nifa":6399,"tfa":44399,"net_tfa":43399,"tfa_he":123399,"tw":163399,"age":55,"inc":76077,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":43399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":5642,"age":33,"inc":13749,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":469,"net_nifa":-2736,"tfa":469,"net_tfa":-2736,"tfa_he":-2736,"tw":2264,"age":30,"inc":39957,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-2736,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":60000,"hequity":50000,"nifa":7240,"net_nifa":7190,"tfa":7240,"net_tfa":7190,"tfa_he":57190,"tw":67690,"age":34,"inc":35184,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":7190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":35000,"hequity":45000,"nifa":4500,"net_nifa":4200,"tfa":4500,"net_tfa":4200,"tfa_he":49200,"tw":50675,"age":55,"inc":25710,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":0,"hval":105000,"hmort":80000,"hequity":25000,"nifa":65700,"net_nifa":45593,"tfa":80700,"net_tfa":60593,"tfa_he":85593,"tw":155593,"age":59,"inc":76899,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":60593,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":65000,"hmort":45000,"hequity":20000,"nifa":0,"net_nifa":-3700,"tfa":6000,"net_tfa":2300,"tfa_he":22300,"tw":22300,"age":41,"inc":28050,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":46,"inc":9180,"fsize":5,"educ":6,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5700,"a401":0,"hval":85000,"hmort":20500,"hequity":64500,"nifa":12499,"net_nifa":10499,"tfa":18199,"net_tfa":16199,"tfa_he":80699,"tw":83199,"age":44,"inc":23055,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":16199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25500,"hequity":4500,"nifa":2725,"net_nifa":-2975,"tfa":2725,"net_tfa":-2975,"tfa_he":1525,"tw":2775,"age":35,"inc":26460,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-2975,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":70000,"hmort":37500,"hequity":32500,"nifa":1099,"net_nifa":1099,"tfa":11099,"net_tfa":11099,"tfa_he":43599,"tw":47530,"age":38,"inc":22194,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":11099,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":200,"tfa":1800,"net_tfa":200,"tfa_he":200,"tw":2345,"age":33,"inc":17454,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":75000,"hequity":55000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":55500,"tw":70500,"age":42,"inc":58629,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-850,"tfa":150,"net_tfa":-850,"tfa_he":-850,"tw":-850,"age":35,"inc":31443,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":39600,"hequity":3400,"nifa":776,"net_nifa":-2674,"tfa":776,"net_tfa":-2674,"tfa_he":726,"tw":1331,"age":30,"inc":13152,"fsize":3,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-2674,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":56000,"hequity":19000,"nifa":1600,"net_nifa":400,"tfa":1600,"net_tfa":400,"tfa_he":19400,"tw":21900,"age":63,"inc":24096,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":5000,"age":48,"inc":30660,"fsize":3,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":2300,"tfa":2300,"net_tfa":2300,"tfa_he":2300,"tw":9025,"age":29,"inc":18168,"fsize":4,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":2300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":7430,"net_nifa":7430,"tfa":18430,"net_tfa":18430,"tfa_he":93430,"tw":110330,"age":48,"inc":45618,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":18430,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":44000,"hequity":11000,"nifa":12100,"net_nifa":11900,"tfa":12100,"net_tfa":11900,"tfa_he":22900,"tw":77900,"age":59,"inc":42858,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":11900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":5299,"net_nifa":5299,"tfa":5299,"net_tfa":5299,"tfa_he":55299,"tw":63760,"age":58,"inc":21822,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":5299,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":48522,"a401":0,"hval":72000,"hmort":18000,"hequity":54000,"nifa":44999,"net_nifa":44999,"tfa":93521,"net_tfa":93521,"tfa_he":147521,"tw":148421,"age":54,"inc":52770,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":93521,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":9300,"tfa":10000,"net_tfa":9300,"tfa_he":9300,"tw":13625,"age":28,"inc":36300,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":9300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-9500,"tfa":700,"net_tfa":-9500,"tfa_he":-9500,"tw":1500,"age":26,"inc":17919,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-9500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":20000,"hequity":150000,"nifa":29998,"net_nifa":29598,"tfa":29998,"net_tfa":29598,"tfa_he":179598,"tw":179598,"age":36,"inc":37077,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":29598,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":45000,"hequity":105000,"nifa":3310,"net_nifa":-1690,"tfa":3310,"net_tfa":-1690,"tfa_he":103310,"tw":103310,"age":44,"inc":54492,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1690,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2600,"tfa":0,"net_tfa":-2600,"tfa_he":-2600,"tw":-2600,"age":50,"inc":27330,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":56000,"hequity":0,"nifa":1300,"net_nifa":1300,"tfa":1300,"net_tfa":1300,"tfa_he":1300,"tw":1300,"age":30,"inc":22800,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":16000,"hequity":54000,"nifa":2200,"net_nifa":2000,"tfa":2200,"net_tfa":2000,"tfa_he":56000,"tw":59800,"age":41,"inc":12588,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":2000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-400,"tfa":500,"net_tfa":-400,"tfa_he":-400,"tw":4266,"age":30,"inc":23118,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":-501,"tfa":2999,"net_tfa":-501,"tfa_he":-501,"tw":1624,"age":30,"inc":22641,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-501,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":33000,"hequity":12000,"nifa":2100,"net_nifa":-2400,"tfa":2100,"net_tfa":-2400,"tfa_he":9600,"tw":9600,"age":48,"inc":25692,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":67000,"hequity":22000,"nifa":5000,"net_nifa":4101,"tfa":5000,"net_tfa":4101,"tfa_he":26101,"tw":26101,"age":29,"inc":29730,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":4101,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":18000,"hequity":82000,"nifa":11749,"net_nifa":10749,"tfa":11749,"net_tfa":10749,"tfa_he":92749,"tw":93749,"age":62,"inc":16524,"fsize":4,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":10749,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":206,"net_nifa":-22794,"tfa":206,"net_tfa":-22794,"tfa_he":-22794,"tw":-22794,"age":44,"inc":60903,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":-22794,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":120000,"hequity":25000,"nifa":3499,"net_nifa":3499,"tfa":3499,"net_tfa":3499,"tfa_he":28499,"tw":36742,"age":37,"inc":33996,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":3499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-5100,"tfa":1400,"net_tfa":-5100,"tfa_he":-5100,"tw":-5100,"age":31,"inc":33513,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-5100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":7350,"age":34,"inc":44625,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":60089,"a401":0,"hval":200000,"hmort":90000,"hequity":110000,"nifa":249,"net_nifa":112,"tfa":60338,"net_tfa":60201,"tfa_he":170201,"tw":170201,"age":54,"inc":50553,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":60201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1719,"net_nifa":1569,"tfa":1719,"net_tfa":1569,"tfa_he":1569,"tw":2319,"age":39,"inc":14382,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1569,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-800,"tfa":500,"net_tfa":-800,"tfa_he":-800,"tw":-800,"age":27,"inc":20385,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5841,"net_nifa":5241,"tfa":5841,"net_tfa":5241,"tfa_he":5241,"tw":10991,"age":34,"inc":28410,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":5241,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7000,"hmort":0,"hequity":7000,"nifa":20000,"net_nifa":15150,"tfa":20000,"net_tfa":15150,"tfa_he":22150,"tw":22150,"age":31,"inc":28248,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":15150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16350,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":2749,"tfa":19349,"net_tfa":19099,"tfa_he":19099,"tw":38457,"age":56,"inc":39180,"fsize":2,"educ":7,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.67399,"net_n401":19099,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":0,"net_nifa":-360,"tfa":0,"net_tfa":-360,"tfa_he":14640,"tw":14640,"age":44,"inc":5436,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-360,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":13000,"hequity":32000,"nifa":900,"net_nifa":-1170,"tfa":900,"net_tfa":-1170,"tfa_he":30830,"tw":35830,"age":32,"inc":24990,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1170,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-2250,"tfa":250,"net_tfa":-2250,"tfa_he":-2250,"tw":-1050,"age":27,"inc":13482,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":52,"inc":15096,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":62000,"hequity":7000,"nifa":3000,"net_nifa":2300,"tfa":3000,"net_tfa":2300,"tfa_he":9300,"tw":15150,"age":30,"inc":27840,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5700,"a401":0,"hval":116000,"hmort":96000,"hequity":20000,"nifa":5900,"net_nifa":5700,"tfa":11600,"net_tfa":11400,"tfa_he":31400,"tw":31400,"age":25,"inc":55890,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":56,"inc":38382,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3300,"net_nifa":3300,"tfa":3300,"net_tfa":3300,"tfa_he":3300,"tw":3800,"age":25,"inc":20004,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":3300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-495,"tfa":0,"net_tfa":-495,"tfa_he":-495,"tw":-495,"age":25,"inc":28254,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-495,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":40400,"age":27,"inc":86790,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":609,"net_nifa":209,"tfa":609,"net_tfa":209,"tfa_he":209,"tw":329,"age":30,"inc":33420,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":209,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":0,"hequity":240000,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":240300,"tw":240300,"age":43,"inc":43146,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":397,"net_nifa":397,"tfa":397,"net_tfa":397,"tfa_he":397,"tw":397,"age":35,"inc":9354,"fsize":6,"educ":7,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":397,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":17328,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-300,"tfa":100,"net_tfa":-300,"tfa_he":-300,"tw":5050,"age":39,"inc":33078,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":325,"net_nifa":325,"tfa":325,"net_tfa":325,"tfa_he":325,"tw":4825,"age":57,"inc":15930,"fsize":1,"educ":5,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":325,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":24000,"a401":0,"hval":200000,"hmort":50000,"hequity":150000,"nifa":302000,"net_nifa":152000,"tfa":326000,"net_tfa":176000,"tfa_he":326000,"tw":356000,"age":57,"inc":66960,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":176000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-10000,"tfa":0,"net_tfa":-10000,"tfa_he":-10000,"tw":-5667,"age":41,"inc":21081,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":-10000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":30,"tfa":30,"net_tfa":30,"tfa_he":30,"tw":530,"age":35,"inc":24123,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":30,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":96,"net_nifa":96,"tfa":96,"net_tfa":96,"tfa_he":65096,"tw":65096,"age":42,"inc":18540,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":96,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2412,"net_nifa":112,"tfa":2412,"net_tfa":112,"tfa_he":112,"tw":112,"age":29,"inc":11505,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":112,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":77000,"hequity":58000,"nifa":7000,"net_nifa":5800,"tfa":7000,"net_tfa":5800,"tfa_he":63800,"tw":64160,"age":49,"inc":57615,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":75800,"hequity":4200,"nifa":8399,"net_nifa":7399,"tfa":8399,"net_tfa":7399,"tfa_he":11599,"tw":15599,"age":34,"inc":36702,"fsize":4,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":7399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2100,"tfa":0,"net_tfa":-2100,"tfa_he":-2100,"tw":400,"age":31,"inc":15360,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-2100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":23398,"hequity":2602,"nifa":400,"net_nifa":-1600,"tfa":400,"net_tfa":-1600,"tfa_he":1002,"tw":1002,"age":29,"inc":19848,"fsize":4,"educ":11,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-1600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14999,"net_nifa":13349,"tfa":14999,"net_tfa":13349,"tfa_he":13349,"tw":71349,"age":33,"inc":53700,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":13349,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":130,"a401":0,"hval":24000,"hmort":0,"hequity":24000,"nifa":2000,"net_nifa":0,"tfa":2130,"net_tfa":130,"tfa_he":24130,"tw":29130,"age":25,"inc":37236,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":18000,"hequity":17000,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":16600,"tw":20104,"age":41,"inc":15876,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1632,"net_nifa":-9868,"tfa":1632,"net_tfa":-9868,"tfa_he":-9868,"tw":-9600,"age":50,"inc":30420,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-9868,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":210,"net_nifa":-2090,"tfa":210,"net_tfa":-2090,"tfa_he":-2090,"tw":5410,"age":32,"inc":35751,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2090,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":799,"tfa":799,"net_tfa":799,"tfa_he":799,"tw":10299,"age":32,"inc":24024,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":799,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-9800,"tfa":400,"net_tfa":-9800,"tfa_he":-9800,"tw":-9800,"age":34,"inc":21603,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-9800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":42499,"net_nifa":41999,"tfa":42499,"net_tfa":41999,"tfa_he":69999,"tw":69999,"age":38,"inc":51798,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":41999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":128200,"net_nifa":127600,"tfa":141200,"net_tfa":140600,"tfa_he":390600,"tw":467600,"age":40,"inc":59340,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":140600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":28000,"hequity":32000,"nifa":5724,"net_nifa":5124,"tfa":5724,"net_tfa":5124,"tfa_he":37124,"tw":43649,"age":35,"inc":28893,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":5124,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":16000,"hequity":52000,"nifa":20548,"net_nifa":20348,"tfa":20548,"net_tfa":20348,"tfa_he":72348,"tw":73098,"age":45,"inc":27786,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":20348,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-600,"tfa":0,"net_tfa":-600,"tfa_he":-600,"tw":-600,"age":26,"inc":12375,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":265000,"hmort":150000,"hequity":115000,"nifa":1120,"net_nifa":-4380,"tfa":4120,"net_tfa":-1380,"tfa_he":113620,"tw":131820,"age":32,"inc":62352,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":-1380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1074,"net_nifa":-2342,"tfa":1074,"net_tfa":-2342,"tfa_he":-2342,"tw":-2342,"age":25,"inc":30957,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2342,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5170,"a401":0,"hval":132000,"hmort":98000,"hequity":34000,"nifa":268,"net_nifa":-6232,"tfa":5438,"net_tfa":-1062,"tfa_he":32938,"tw":41938,"age":29,"inc":59652,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-1062,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":42000,"hequity":28000,"nifa":3724,"net_nifa":-11276,"tfa":3724,"net_tfa":-11276,"tfa_he":16724,"tw":28469,"age":46,"inc":51339,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-11276,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":48660,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":45498,"net_nifa":41634,"tfa":94158,"net_tfa":90294,"tfa_he":180294,"tw":224794,"age":54,"inc":98907,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":90294,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":26,"inc":14616,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49800,"net_nifa":49800,"tfa":49800,"net_tfa":49800,"tfa_he":49800,"tw":53150,"age":43,"inc":57645,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":49800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":863,"net_nifa":263,"tfa":863,"net_tfa":263,"tfa_he":263,"tw":2963,"age":43,"inc":11452,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":263,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":0,"tfa":1500,"net_tfa":0,"tfa_he":0,"tw":500,"age":64,"inc":30174,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1163,"a401":0,"hval":82000,"hmort":63000,"hequity":19000,"nifa":2000,"net_nifa":1750,"tfa":3163,"net_tfa":2913,"tfa_he":21913,"tw":31913,"age":28,"inc":21600,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2913,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":59,"net_nifa":59,"tfa":59,"net_tfa":59,"tfa_he":59,"tw":1742,"age":34,"inc":9081,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":59,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2750,"a401":0,"hval":53000,"hmort":43000,"hequity":10000,"nifa":10190,"net_nifa":10190,"tfa":12940,"net_tfa":12940,"tfa_he":22940,"tw":25440,"age":36,"inc":24048,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":12940,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":55000,"hequity":5000,"nifa":975,"net_nifa":-8225,"tfa":975,"net_tfa":-8225,"tfa_he":-3225,"tw":2575,"age":35,"inc":21132,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-8225,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":23000,"hequity":12000,"nifa":1100,"net_nifa":-3900,"tfa":1100,"net_tfa":-3900,"tfa_he":8100,"tw":21100,"age":48,"inc":31506,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-3900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":900,"net_nifa":-300,"tfa":900,"net_tfa":-300,"tfa_he":9700,"tw":10700,"age":33,"inc":33006,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":63000,"hequity":27000,"nifa":11324,"net_nifa":11289,"tfa":11324,"net_tfa":11289,"tfa_he":38289,"tw":41289,"age":46,"inc":20121,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":11289,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":123000,"hequity":77000,"nifa":4449,"net_nifa":4449,"tfa":4449,"net_tfa":4449,"tfa_he":81449,"tw":86449,"age":33,"inc":30963,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":45000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7399,"net_nifa":7399,"tfa":52399,"net_tfa":52399,"tfa_he":52399,"tw":64606,"age":58,"inc":30264,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60444,"net_n401":52399,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":9400,"age":25,"inc":26535,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":27000,"hequity":3000,"nifa":135,"net_nifa":-15565,"tfa":135,"net_tfa":-15565,"tfa_he":-12565,"tw":-565,"age":35,"inc":28782,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-15565,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":46600,"hequity":28400,"nifa":0,"net_nifa":-6000,"tfa":0,"net_tfa":-6000,"tfa_he":22400,"tw":25750,"age":49,"inc":31944,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20999,"net_nifa":18999,"tfa":20999,"net_tfa":18999,"tfa_he":18999,"tw":21649,"age":55,"inc":27600,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":18999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":106000,"hmort":45000,"hequity":61000,"nifa":150,"net_nifa":-11550,"tfa":150,"net_tfa":-11550,"tfa_he":49450,"tw":55450,"age":43,"inc":40428,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-11550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":-2000,"tfa":4500,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":25,"inc":5712,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":-2000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":6596,"age":31,"inc":11220,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":42500,"hequity":17500,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":17520,"tw":19020,"age":49,"inc":7500,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.03663,"net_n401":20,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":10800,"net_tfa":10800,"tfa_he":10800,"tw":10800,"age":43,"inc":37392,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":10800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35000,"net_nifa":35000,"tfa":35000,"net_tfa":35000,"tfa_he":35000,"tw":57596,"age":27,"inc":38874,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":35000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":280000,"hmort":150000,"hequity":130000,"nifa":368600,"net_nifa":368600,"tfa":398600,"net_tfa":398600,"tfa_he":528600,"tw":528600,"age":49,"inc":105330,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":398600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":14500,"age":43,"inc":14280,"fsize":4,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":22998,"net_nifa":22998,"tfa":22998,"net_tfa":22998,"tfa_he":132998,"tw":425798,"age":54,"inc":31587,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":22998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":45,"inc":11250,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-8414,"tfa":4200,"net_tfa":-4414,"tfa_he":-4414,"tw":-1414,"age":51,"inc":14493,"fsize":2,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.10579,"net_n401":-4414,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2415,"tfa":0,"net_tfa":-2415,"tfa_he":-2415,"tw":-1515,"age":38,"inc":14892,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2415,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":10900,"hequity":69100,"nifa":1000,"net_nifa":500,"tfa":1000,"net_tfa":500,"tfa_he":69600,"tw":70750,"age":45,"inc":20430,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":301,"net_nifa":-799,"tfa":301,"net_tfa":-799,"tfa_he":-799,"tw":-799,"age":30,"inc":32784,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-799,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1931,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":4144,"net_nifa":4144,"tfa":6075,"net_tfa":6075,"tfa_he":41075,"tw":41575,"age":62,"inc":6948,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.1432,"net_n401":6075,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":75000,"hequity":5000,"nifa":500,"net_nifa":-3000,"tfa":500,"net_tfa":-3000,"tfa_he":2000,"tw":13796,"age":35,"inc":27129,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":21111,"hmort":19000,"hequity":2111,"nifa":1120,"net_nifa":-9680,"tfa":1120,"net_tfa":-9680,"tfa_he":-7569,"tw":-686,"age":28,"inc":22440,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-9680,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":90000,"a401":0,"hval":85000,"hmort":40000,"hequity":45000,"nifa":5300,"net_nifa":5000,"tfa":95300,"net_tfa":95000,"tfa_he":140000,"tw":142000,"age":56,"inc":71748,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":95000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3380,"net_nifa":-2320,"tfa":3380,"net_tfa":-2320,"tfa_he":-2320,"tw":-1520,"age":26,"inc":35493,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2320,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":0,"hval":80000,"hmort":75000,"hequity":5000,"nifa":420,"net_nifa":420,"tfa":14420,"net_tfa":14420,"tfa_he":19420,"tw":28016,"age":42,"inc":47010,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":14420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":16000,"hequity":34000,"nifa":1800,"net_nifa":1601,"tfa":1800,"net_tfa":1601,"tfa_he":35601,"tw":39601,"age":28,"inc":18234,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1601,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2499,"net_nifa":2499,"tfa":2499,"net_tfa":2499,"tfa_he":152499,"tw":168749,"age":55,"inc":21150,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":36000,"hequity":22000,"nifa":2999,"net_nifa":-4001,"tfa":2999,"net_tfa":-4001,"tfa_he":17999,"tw":33999,"age":57,"inc":12792,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-4001,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":175,"net_nifa":-1025,"tfa":175,"net_tfa":-1025,"tfa_he":-1025,"tw":475,"age":35,"inc":16977,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-1025,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":28000,"hequity":72000,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":72010,"tw":114260,"age":40,"inc":41616,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":10,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":86000,"hmort":86000,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":47,"inc":26316,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":0,"net_tfa":-1000,"tfa_he":-1000,"tw":-1000,"age":35,"inc":4395,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":-1000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":200,"tfa":500,"net_tfa":200,"tfa_he":200,"tw":5200,"age":46,"inc":7680,"fsize":5,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":35000,"hequity":45000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":46000,"tw":54000,"age":63,"inc":24057,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":21960,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-4240,"tfa":10,"net_tfa":-4240,"tfa_he":-4240,"tw":-4240,"age":38,"inc":33855,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-4240,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":19600,"hequity":80400,"nifa":1086,"net_nifa":-10914,"tfa":1086,"net_tfa":-10914,"tfa_he":69486,"tw":69486,"age":59,"inc":23808,"fsize":2,"educ":9,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-10914,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":40000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":10000,"age":28,"inc":15708,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":30000,"hequity":20000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":20200,"tw":32361,"age":54,"inc":25380,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":47500,"hequity":4500,"nifa":2500,"net_nifa":-3250,"tfa":2500,"net_tfa":-3250,"tfa_he":1250,"tw":1250,"age":32,"inc":29940,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":22000,"hequity":18000,"nifa":75,"net_nifa":-1925,"tfa":75,"net_tfa":-1925,"tfa_he":16075,"tw":17925,"age":56,"inc":14703,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-1925,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20300,"net_nifa":15800,"tfa":20300,"net_tfa":15800,"tfa_he":15800,"tw":15800,"age":32,"inc":86280,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.43478,"net_n401":15800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":52000,"hequity":8000,"nifa":4843,"net_nifa":-2157,"tfa":4843,"net_tfa":-2157,"tfa_he":5843,"tw":23843,"age":41,"inc":70275,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-2157,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":110,"net_nifa":110,"tfa":110,"net_tfa":110,"tfa_he":110,"tw":7110,"age":30,"inc":25380,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":110,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13631,"a401":0,"hval":115000,"hmort":86000,"hequity":29000,"nifa":121965,"net_nifa":121865,"tfa":135596,"net_tfa":135496,"tfa_he":164496,"tw":164496,"age":36,"inc":61446,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":135496,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":68400,"hequity":6600,"nifa":3000,"net_nifa":2000,"tfa":3000,"net_tfa":2000,"tfa_he":8600,"tw":12975,"age":44,"inc":30861,"fsize":4,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":48000,"hequity":2000,"nifa":18839,"net_nifa":17139,"tfa":18839,"net_tfa":17139,"tfa_he":19139,"tw":19139,"age":58,"inc":34089,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":17139,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":350,"age":25,"inc":14079,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":750,"age":48,"inc":10200,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3136,"age":29,"inc":13500,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5800,"hmort":0,"hequity":5800,"nifa":12999,"net_nifa":12999,"tfa":12999,"net_tfa":12999,"tfa_he":18799,"tw":25649,"age":35,"inc":16140,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":12999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":999,"age":49,"inc":10215,"fsize":4,"educ":5,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":6550,"net_nifa":6550,"tfa":16550,"net_tfa":16550,"tfa_he":166550,"tw":166550,"age":36,"inc":67320,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":16550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":45000,"hequity":12000,"nifa":1650,"net_nifa":-14450,"tfa":1650,"net_tfa":-14450,"tfa_he":-2450,"tw":-950,"age":32,"inc":29550,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-14450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":7200,"age":27,"inc":54000,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.31695,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":45000,"hequity":15000,"nifa":300,"net_nifa":-3400,"tfa":300,"net_tfa":-3400,"tfa_he":11600,"tw":12900,"age":35,"inc":22110,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-6650,"tfa":350,"net_tfa":-6650,"tfa_he":-6650,"tw":7411,"age":37,"inc":18000,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-6650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1190,"tfa":50,"net_tfa":-1190,"tfa_he":-1190,"tw":5310,"age":25,"inc":16302,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-1190,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":70000,"hequity":20000,"nifa":4475,"net_nifa":2475,"tfa":4475,"net_tfa":2475,"tfa_he":22475,"tw":23475,"age":33,"inc":35400,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":2475,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":9000,"hmort":0,"hequity":9000,"nifa":5,"net_nifa":-150,"tfa":5,"net_tfa":-150,"tfa_he":8850,"tw":14092,"age":45,"inc":15054,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18500,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":117073,"net_nifa":117073,"tfa":135573,"net_tfa":135573,"tfa_he":310573,"tw":310573,"age":53,"inc":106956,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":135573,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":36000,"hequity":34000,"nifa":1200,"net_nifa":-18600,"tfa":1200,"net_tfa":-18600,"tfa_he":15400,"tw":19400,"age":39,"inc":63294,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-18600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":24000,"age":38,"inc":56430,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":106000,"hequity":4000,"nifa":1500,"net_nifa":-9400,"tfa":1500,"net_tfa":-9400,"tfa_he":-5400,"tw":15600,"age":27,"inc":59331,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-9400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":67831,"a401":0,"hval":250000,"hmort":115000,"hequity":135000,"nifa":266968,"net_nifa":168500,"tfa":334799,"net_tfa":236331,"tfa_he":371331,"tw":726456,"age":50,"inc":65901,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":236331,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-11900,"tfa":100,"net_tfa":-11900,"tfa_he":-11900,"tw":-6700,"age":39,"inc":7470,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.30218,"net_n401":-11900,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":199,"net_nifa":173,"tfa":199,"net_tfa":173,"tfa_he":45173,"tw":45173,"age":57,"inc":14292,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":173,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":264,"net_nifa":-86,"tfa":264,"net_tfa":-86,"tfa_he":-86,"tw":4137,"age":27,"inc":15852,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-86,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":110000,"hmort":50000,"hequity":60000,"nifa":10723,"net_nifa":7623,"tfa":40723,"net_tfa":37623,"tfa_he":97623,"tw":172623,"age":52,"inc":17106,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":37623,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":0,"hval":85000,"hmort":56000,"hequity":29000,"nifa":67200,"net_nifa":67057,"tfa":72200,"net_tfa":72057,"tfa_he":101057,"tw":114057,"age":47,"inc":74670,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":72057,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":28000,"hequity":34000,"nifa":6200,"net_nifa":6200,"tfa":6200,"net_tfa":6200,"tfa_he":40200,"tw":56200,"age":25,"inc":37425,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":25000,"hequity":0,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":99,"tw":99,"age":50,"inc":25251,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":44000,"hmort":0,"hequity":44000,"nifa":24000,"net_nifa":21600,"tfa":24000,"net_tfa":21600,"tfa_he":65600,"tw":65600,"age":37,"inc":56085,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":21600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":8000,"hequity":72000,"nifa":999,"net_nifa":-5101,"tfa":999,"net_tfa":-5101,"tfa_he":66899,"tw":69699,"age":37,"inc":32631,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-5101,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2250,"net_nifa":-8750,"tfa":2250,"net_tfa":-8750,"tfa_he":-8750,"tw":-6020,"age":42,"inc":33480,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-8750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":0,"tfa":3000,"net_tfa":0,"tfa_he":0,"tw":6550,"age":44,"inc":79041,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43946,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":100,"age":49,"inc":10713,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":16500,"hequity":8500,"nifa":28,"net_nifa":28,"tfa":28,"net_tfa":28,"tfa_he":8528,"tw":11953,"age":43,"inc":7542,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":28,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":32500,"hequity":25500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":25500,"tw":25500,"age":34,"inc":10056,"fsize":7,"educ":3,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5132,"a401":0,"hval":100000,"hmort":80000,"hequity":20000,"nifa":1100,"net_nifa":-900,"tfa":6232,"net_tfa":4232,"tfa_he":24232,"tw":112232,"age":47,"inc":30075,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":4232,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":10000,"hequity":0,"nifa":0,"net_nifa":-273,"tfa":0,"net_tfa":-273,"tfa_he":-273,"tw":-273,"age":39,"inc":7806,"fsize":4,"educ":9,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-273,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":48000,"hequity":12000,"nifa":10300,"net_nifa":10300,"tfa":10300,"net_tfa":10300,"tfa_he":22300,"tw":22300,"age":40,"inc":16875,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":10300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28500,"hmort":28500,"hequity":0,"nifa":850,"net_nifa":-1050,"tfa":850,"net_tfa":-1050,"tfa_he":-1050,"tw":5950,"age":36,"inc":26952,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":43000,"net_nifa":41302,"tfa":43000,"net_tfa":41302,"tfa_he":136302,"tw":136302,"age":63,"inc":46122,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":41302,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3175,"a401":0,"hval":90000,"hmort":69000,"hequity":21000,"nifa":25799,"net_nifa":25799,"tfa":28974,"net_tfa":28974,"tfa_he":49974,"tw":49974,"age":36,"inc":9933,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.20883,"net_n401":28974,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7800,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":7488,"net_nifa":7308,"tfa":15288,"net_tfa":15108,"tfa_he":100108,"tw":110108,"age":55,"inc":23484,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":15108,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":51000,"hequity":24000,"nifa":800,"net_nifa":-5000,"tfa":800,"net_tfa":-5000,"tfa_he":19000,"tw":35000,"age":25,"inc":27480,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":18000,"hequity":22000,"nifa":70,"net_nifa":-8770,"tfa":70,"net_tfa":-8770,"tfa_he":13230,"tw":27229,"age":30,"inc":25422,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-8770,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":48000,"hequity":102000,"nifa":7600,"net_nifa":7600,"tfa":7600,"net_tfa":7600,"tfa_he":109600,"tw":112175,"age":43,"inc":26580,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":7600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":47500,"hequity":6500,"nifa":800,"net_nifa":-21700,"tfa":800,"net_tfa":-21700,"tfa_he":-15200,"tw":-12750,"age":38,"inc":42378,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-21700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-75,"tfa":125,"net_tfa":-75,"tfa_he":-75,"tw":425,"age":27,"inc":8103,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-75,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":8000,"hequity":-3000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":-3000,"tw":-3000,"age":37,"inc":9600,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":36000,"hmort":36000,"hequity":0,"nifa":50,"net_nifa":50,"tfa":50,"net_tfa":50,"tfa_he":50,"tw":2825,"age":32,"inc":9144,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":50,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":30000,"hequity":28000,"nifa":0,"net_nifa":-5055,"tfa":0,"net_tfa":-5055,"tfa_he":22945,"tw":22945,"age":59,"inc":9078,"fsize":2,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":-5055,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":30000,"hequity":30000,"nifa":6000,"net_nifa":4500,"tfa":6000,"net_tfa":4500,"tfa_he":34500,"tw":34826,"age":37,"inc":44316,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":46000,"hequity":17000,"nifa":6268,"net_nifa":5634,"tfa":6268,"net_tfa":5634,"tfa_he":22634,"tw":29090,"age":36,"inc":24000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":5634,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":300000,"hmort":52000,"hequity":248000,"nifa":60000,"net_nifa":59200,"tfa":110000,"net_tfa":109200,"tfa_he":357200,"tw":405796,"age":54,"inc":46839,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":109200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1015,"net_nifa":15,"tfa":1015,"net_tfa":15,"tfa_he":15,"tw":2758,"age":42,"inc":13851,"fsize":4,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":15,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":3779,"age":35,"inc":40572,"fsize":1,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.52319,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5350,"tfa":0,"net_tfa":-5350,"tfa_he":-5350,"tw":2150,"age":29,"inc":34923,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-5350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":45800,"hequity":49200,"nifa":264,"net_nifa":-1886,"tfa":264,"net_tfa":-1886,"tfa_he":47314,"tw":47314,"age":37,"inc":23193,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1886,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":18100,"age":31,"inc":28800,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":73000,"a401":0,"hval":280000,"hmort":0,"hequity":280000,"nifa":43000,"net_nifa":42500,"tfa":116000,"net_tfa":115500,"tfa_he":395500,"tw":719500,"age":62,"inc":61680,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":115500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":16000,"a401":0,"hval":165000,"hmort":67000,"hequity":98000,"nifa":10000,"net_nifa":8500,"tfa":26000,"net_tfa":24500,"tfa_he":122500,"tw":127600,"age":45,"inc":90300,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":24500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":950,"net_nifa":-2550,"tfa":950,"net_tfa":-2550,"tfa_he":-2550,"tw":8650,"age":46,"inc":36369,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":20299,"net_nifa":10299,"tfa":40299,"net_tfa":30299,"tfa_he":110299,"tw":120361,"age":55,"inc":23160,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":30299,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50172,"net_nifa":50072,"tfa":50672,"net_tfa":50572,"tfa_he":50572,"tw":52884,"age":25,"inc":57147,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.55004,"net_n401":50572,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1799,"net_nifa":1799,"tfa":1799,"net_tfa":1799,"tfa_he":1799,"tw":1799,"age":54,"inc":53133,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":1799,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":0,"hval":115000,"hmort":60000,"hequity":55000,"nifa":166269,"net_nifa":165469,"tfa":198269,"net_tfa":197469,"tfa_he":252469,"tw":272469,"age":50,"inc":76395,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":197469,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":48000,"hequity":17000,"nifa":849,"net_nifa":409,"tfa":849,"net_tfa":409,"tfa_he":17409,"tw":17409,"age":34,"inc":27345,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":409,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":113000,"hmort":90000,"hequity":23000,"nifa":444,"net_nifa":44,"tfa":444,"net_tfa":44,"tfa_he":23044,"tw":23044,"age":46,"inc":72099,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":44,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":57500,"hequity":22500,"nifa":600,"net_nifa":-12600,"tfa":600,"net_tfa":-12600,"tfa_he":9900,"tw":16400,"age":59,"inc":37992,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-12600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19000,"a401":0,"hval":73000,"hmort":64000,"hequity":9000,"nifa":16999,"net_nifa":16499,"tfa":35999,"net_tfa":35499,"tfa_he":44499,"tw":45999,"age":27,"inc":77781,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":35499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":18340,"age":42,"inc":14673,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":95000,"hmort":40000,"hequity":55000,"nifa":127075,"net_nifa":127075,"tfa":157075,"net_tfa":157075,"tfa_he":212075,"tw":220075,"age":54,"inc":95634,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":157075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":36,"inc":25866,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":0,"hval":60000,"hmort":32000,"hequity":28000,"nifa":5000,"net_nifa":5000,"tfa":34000,"net_tfa":34000,"tfa_he":62000,"tw":62000,"age":64,"inc":19374,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":34000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9745,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":11799,"net_nifa":10949,"tfa":21544,"net_tfa":20694,"tfa_he":55694,"tw":65694,"age":56,"inc":47877,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":20694,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":8031,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":108500,"hequity":191500,"nifa":200,"net_nifa":-5800,"tfa":200,"net_tfa":-5800,"tfa_he":185700,"tw":190900,"age":43,"inc":37215,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":12000,"hequity":53000,"nifa":14600,"net_nifa":14400,"tfa":14600,"net_tfa":14400,"tfa_he":67400,"tw":67400,"age":51,"inc":29820,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":14400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":-500,"tw":2850,"age":29,"inc":62520,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":37,"inc":18942,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21000,"a401":0,"hval":52000,"hmort":39500,"hequity":12500,"nifa":1940,"net_nifa":-19060,"tfa":22940,"net_tfa":1940,"tfa_he":14440,"tw":25440,"age":53,"inc":39192,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":1940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":28000,"hequity":72000,"nifa":3800,"net_nifa":3800,"tfa":3800,"net_tfa":3800,"tfa_he":75800,"tw":79760,"age":29,"inc":37704,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":-1500,"tfa":3500,"net_tfa":-1500,"tfa_he":-1500,"tw":15375,"age":46,"inc":96060,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.32013,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":20,"net_tfa":20,"tfa_he":20,"tw":20,"age":25,"inc":18903,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":20,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":28,"inc":12750,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-850,"tfa":200,"net_tfa":-850,"tfa_he":-850,"tw":3655,"age":31,"inc":35856,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5300,"net_nifa":3300,"tfa":5300,"net_tfa":3300,"tfa_he":3300,"tw":16003,"age":28,"inc":48288,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":3300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":65000,"hequity":235000,"nifa":47000,"net_nifa":42500,"tfa":47000,"net_tfa":42500,"tfa_he":277500,"tw":344978,"age":57,"inc":87063,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":42500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":72000,"hequity":3000,"nifa":250,"net_nifa":250,"tfa":250,"net_tfa":250,"tfa_he":3250,"tw":3250,"age":30,"inc":54744,"fsize":4,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":2053,"age":46,"inc":15540,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":36000,"hequity":34000,"nifa":14999,"net_nifa":14999,"tfa":14999,"net_tfa":14999,"tfa_he":48999,"tw":48999,"age":34,"inc":51408,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":14999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":25000,"hequity":10000,"nifa":854,"net_nifa":-5646,"tfa":854,"net_tfa":-5646,"tfa_he":4354,"tw":12854,"age":29,"inc":20400,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-5646,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":150000,"hequity":40000,"nifa":500,"net_nifa":-5500,"tfa":500,"net_tfa":-5500,"tfa_he":34500,"tw":34500,"age":49,"inc":74310,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":1800,"net_nifa":1550,"tfa":21800,"net_tfa":21550,"tfa_he":71550,"tw":81550,"age":61,"inc":28926,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":21550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":5300,"tfa":5500,"net_tfa":5300,"tfa_he":5300,"tw":5300,"age":27,"inc":23550,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":5300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":52,"net_nifa":-948,"tfa":52,"net_tfa":-948,"tfa_he":-948,"tw":-948,"age":57,"inc":13608,"fsize":2,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-948,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":28,"inc":5280,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":29821,"hequity":5179,"nifa":7050,"net_nifa":2050,"tfa":7050,"net_tfa":2050,"tfa_he":7229,"tw":7229,"age":38,"inc":24888,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":2050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":28800,"hequity":-8800,"nifa":80,"net_nifa":-34382,"tfa":80,"net_tfa":-34382,"tfa_he":-43182,"tw":-42182,"age":27,"inc":11025,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-34382,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":6309,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":38200,"hequity":26800,"nifa":2749,"net_nifa":1799,"tfa":2749,"net_tfa":1799,"tfa_he":28599,"tw":28599,"age":44,"inc":23787,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":1799,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5000,"age":28,"inc":37680,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":25200,"hequity":9800,"nifa":300,"net_nifa":-4500,"tfa":300,"net_tfa":-4500,"tfa_he":5300,"tw":12300,"age":38,"inc":38349,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":5820,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":9000,"hequity":26000,"nifa":3000,"net_nifa":-500,"tfa":3000,"net_tfa":-500,"tfa_he":25500,"tw":33175,"age":63,"inc":20322,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2625,"tfa":0,"net_tfa":-2625,"tfa_he":-2625,"tw":-2625,"age":31,"inc":16680,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-2625,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-1500,"tfa":3000,"net_tfa":-1500,"tfa_he":-1500,"tw":11000,"age":38,"inc":11400,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25000,"hequity":5000,"nifa":1949,"net_nifa":-2051,"tfa":1949,"net_tfa":-2051,"tfa_he":2949,"tw":2949,"age":35,"inc":33759,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2051,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":5000,"tw":10721,"age":34,"inc":34680,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32649,"net_nifa":32649,"tfa":32649,"net_tfa":32649,"tfa_he":32649,"tw":33649,"age":53,"inc":32049,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":32649,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":68000,"hmort":0,"hequity":68000,"nifa":17600,"net_nifa":11000,"tfa":32600,"net_tfa":26000,"tfa_he":94000,"tw":97800,"age":61,"inc":54192,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":15,"net_nifa":-1985,"tfa":15,"net_tfa":-1985,"tfa_he":63015,"tw":65015,"age":29,"inc":22440,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1985,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":0,"hval":200000,"hmort":75000,"hequity":125000,"nifa":70600,"net_nifa":70600,"tfa":96600,"net_tfa":96600,"tfa_he":221600,"tw":343600,"age":44,"inc":127200,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":96600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24000,"a401":0,"hval":165000,"hmort":147000,"hequity":18000,"nifa":40000,"net_nifa":40000,"tfa":64000,"net_tfa":64000,"tfa_he":82000,"tw":82000,"age":34,"inc":38400,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":64000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3300,"a401":0,"hval":80000,"hmort":67400,"hequity":12600,"nifa":7971,"net_nifa":3671,"tfa":11271,"net_tfa":6971,"tfa_he":19571,"tw":32871,"age":32,"inc":74862,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":6971,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":133900,"hmort":48000,"hequity":85900,"nifa":22499,"net_nifa":22499,"tfa":22499,"net_tfa":22499,"tfa_he":108399,"tw":114574,"age":53,"inc":37800,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":22499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":58000,"a401":0,"hval":190000,"hmort":80000,"hequity":110000,"nifa":25000,"net_nifa":24250,"tfa":83000,"net_tfa":82250,"tfa_he":192250,"tw":192250,"age":40,"inc":86400,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":82250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1200,"tfa":0,"net_tfa":-1200,"tfa_he":-1200,"tw":-1200,"age":44,"inc":42024,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-1200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":44000,"hequity":26000,"nifa":5,"net_nifa":-295,"tfa":5,"net_tfa":-295,"tfa_he":25705,"tw":25705,"age":32,"inc":25500,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-295,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":64000,"hequity":4000,"nifa":2650,"net_nifa":-2675,"tfa":2650,"net_tfa":-2675,"tfa_he":1325,"tw":1325,"age":29,"inc":33075,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2950,"net_nifa":2924,"tfa":2950,"net_tfa":2924,"tfa_he":2924,"tw":6774,"age":27,"inc":16860,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2924,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":41,"inc":13572,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":98000,"hmort":0,"hequity":98000,"nifa":11200,"net_nifa":11200,"tfa":24200,"net_tfa":24200,"tfa_he":122200,"tw":124200,"age":41,"inc":49956,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":24200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":129,"net_nifa":-6831,"tfa":129,"net_tfa":-6831,"tfa_he":-6831,"tw":-3481,"age":44,"inc":21288,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-6831,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":80000,"hmort":25000,"hequity":55000,"nifa":16049,"net_nifa":15359,"tfa":29049,"net_tfa":28359,"tfa_he":83359,"tw":94534,"age":47,"inc":36768,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":28359,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4150,"net_nifa":4150,"tfa":4150,"net_tfa":4150,"tfa_he":154150,"tw":160150,"age":33,"inc":73680,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":4150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":3740,"age":28,"inc":18360,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":15,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":180000,"hmort":0,"hequity":180000,"nifa":13498,"net_nifa":13498,"tfa":31498,"net_tfa":31498,"tfa_he":211498,"tw":211498,"age":59,"inc":55356,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":31498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2000,"age":32,"inc":10176,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":108000,"hequity":42000,"nifa":1300,"net_nifa":100,"tfa":1300,"net_tfa":100,"tfa_he":42100,"tw":42100,"age":52,"inc":21090,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":11808,"fsize":5,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":1299,"tfa":1499,"net_tfa":1299,"tfa_he":1299,"tw":1299,"age":43,"inc":24090,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":1299,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":4,"net_nifa":-226,"tfa":4,"net_tfa":-226,"tfa_he":7774,"tw":8774,"age":43,"inc":10560,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-226,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":100,"tfa":700,"net_tfa":100,"tfa_he":100,"tw":6525,"age":31,"inc":38802,"fsize":6,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":47700,"hequity":4300,"nifa":22356,"net_nifa":21356,"tfa":22356,"net_tfa":21356,"tfa_he":25656,"tw":29756,"age":30,"inc":37161,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":21356,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":45,"inc":10200,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-5500,"tfa":500,"net_tfa":-5500,"tfa_he":-5500,"tw":-3834,"age":36,"inc":25200,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-5500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":35000,"hequity":35000,"nifa":100,"net_nifa":-100,"tfa":100,"net_tfa":-100,"tfa_he":34900,"tw":35400,"age":51,"inc":16968,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10499,"net_nifa":1594,"tfa":10499,"net_tfa":1594,"tfa_he":1594,"tw":1594,"age":30,"inc":57585,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":1594,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":11940,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":133500,"hequity":26500,"nifa":30249,"net_nifa":18149,"tfa":30249,"net_tfa":18149,"tfa_he":44649,"tw":149649,"age":40,"inc":31785,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":18149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2880,"tfa":0,"net_tfa":-2880,"tfa_he":-2880,"tw":120,"age":32,"inc":9033,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-2880,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":35000,"hequity":95000,"nifa":18700,"net_nifa":17700,"tfa":18700,"net_tfa":17700,"tfa_he":112700,"tw":112700,"age":55,"inc":71757,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":17700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-800,"tfa":0,"net_tfa":-800,"tfa_he":-800,"tw":700,"age":27,"inc":8364,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-800,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5061,"net_nifa":4124,"tfa":5061,"net_tfa":4124,"tfa_he":4124,"tw":4624,"age":33,"inc":16458,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":4124,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":500,"tfa":1700,"net_tfa":500,"tfa_he":500,"tw":500,"age":31,"inc":15840,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":6800,"tfa":7000,"net_tfa":6800,"tfa_he":6800,"tw":6800,"age":25,"inc":20508,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":6800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":873,"net_nifa":-4827,"tfa":873,"net_tfa":-4827,"tfa_he":-4827,"tw":-4827,"age":26,"inc":47652,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-4827,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":56000,"hequity":19000,"nifa":50,"net_nifa":-3450,"tfa":50,"net_tfa":-3450,"tfa_he":15550,"tw":17150,"age":33,"inc":30864,"fsize":7,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-3450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":3500,"age":31,"inc":8784,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.11738,"net_n401":3000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":728,"net_nifa":268,"tfa":728,"net_tfa":268,"tfa_he":268,"tw":268,"age":34,"inc":29205,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":268,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":30,"net_nifa":-870,"tfa":30,"net_tfa":-870,"tfa_he":49130,"tw":54380,"age":55,"inc":15930,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-870,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":40000,"hequity":70000,"nifa":3765,"net_nifa":-6235,"tfa":3765,"net_tfa":-6235,"tfa_he":63765,"tw":105765,"age":42,"inc":33726,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-6235,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":18000,"hequity":27000,"nifa":425,"net_nifa":-5575,"tfa":425,"net_tfa":-5575,"tfa_he":21425,"tw":21425,"age":38,"inc":31206,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-5575,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":95,"net_nifa":-105,"tfa":95,"net_tfa":-105,"tfa_he":-105,"tw":-105,"age":38,"inc":42684,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-105,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":105000,"hequity":25000,"nifa":7900,"net_nifa":5673,"tfa":7900,"net_tfa":5673,"tfa_he":30673,"tw":30673,"age":45,"inc":54738,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5673,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":702,"net_nifa":-14758,"tfa":702,"net_tfa":-14758,"tfa_he":-14758,"tw":-14758,"age":47,"inc":28866,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-14758,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":89000,"hequity":7000,"nifa":3000,"net_nifa":500,"tfa":3000,"net_tfa":500,"tfa_he":7500,"tw":9575,"age":33,"inc":30192,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":144000,"hmort":144000,"hequity":0,"nifa":449,"net_nifa":-13551,"tfa":449,"net_tfa":-13551,"tfa_he":-13551,"tw":-7551,"age":34,"inc":62703,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-13551,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":17000,"hequity":13000,"nifa":5700,"net_nifa":5020,"tfa":5700,"net_tfa":5020,"tfa_he":18020,"tw":19270,"age":43,"inc":10980,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":5020,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":0,"hequity":8000,"nifa":398,"net_nifa":-1002,"tfa":398,"net_tfa":-1002,"tfa_he":6998,"tw":11473,"age":32,"inc":10164,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-1002,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":16500,"net_nifa":16500,"tfa":18500,"net_tfa":18500,"tfa_he":23500,"tw":44175,"age":30,"inc":42150,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":18500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":1700,"age":28,"inc":14400,"fsize":2,"educ":5,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":740,"tfa":1100,"net_tfa":740,"tfa_he":740,"tw":2740,"age":28,"inc":16830,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":740,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":8000,"age":57,"inc":12555,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":8000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":36000,"hequity":4000,"nifa":237,"net_nifa":-4918,"tfa":237,"net_tfa":-4918,"tfa_he":-918,"tw":-918,"age":42,"inc":28377,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4918,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":23000,"hequity":4000,"nifa":20,"net_nifa":-2480,"tfa":20,"net_tfa":-2480,"tfa_he":1520,"tw":2020,"age":34,"inc":16647,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2480,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":180000,"hmort":0,"hequity":180000,"nifa":12100,"net_nifa":12100,"tfa":30100,"net_tfa":30100,"tfa_he":210100,"tw":220100,"age":63,"inc":26055,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.37883,"net_n401":30100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-62,"tfa":30,"net_tfa":-62,"tfa_he":-62,"tw":-62,"age":31,"inc":9096,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-62,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60,"net_nifa":-4940,"tfa":60,"net_tfa":-4940,"tfa_he":-4940,"tw":-3344,"age":38,"inc":20817,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-4940,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-43101,"tfa":3499,"net_tfa":-41101,"tfa_he":-41101,"tw":-34601,"age":52,"inc":100086,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":-41101,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5800,"net_nifa":-1000,"tfa":5800,"net_tfa":-1000,"tfa_he":-1000,"tw":9000,"age":27,"inc":41925,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":0,"hval":150000,"hmort":38000,"hequity":112000,"nifa":500,"net_nifa":-900,"tfa":5000,"net_tfa":3600,"tfa_he":115600,"tw":119961,"age":42,"inc":40740,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2618,"net_nifa":-2482,"tfa":2618,"net_tfa":-2482,"tfa_he":-2482,"tw":16518,"age":33,"inc":36051,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2482,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":32000,"hequity":3000,"nifa":110,"net_nifa":-2279,"tfa":110,"net_tfa":-2279,"tfa_he":721,"tw":3146,"age":41,"inc":13689,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-2279,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":27,"inc":10200,"fsize":2,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":-7000,"tw":-7000,"age":38,"inc":8130,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-7000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":0,"hequity":275000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":275100,"tw":277500,"age":48,"inc":23412,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":27500,"hmort":0,"hequity":27500,"nifa":26000,"net_nifa":26000,"tfa":30000,"net_tfa":30000,"tfa_he":57500,"tw":64725,"age":31,"inc":12093,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":30000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":60000,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":5000,"tw":10950,"age":26,"inc":30600,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-800,"tfa":200,"net_tfa":-800,"tfa_he":-800,"tw":200,"age":30,"inc":16560,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-6200,"tfa":300,"net_tfa":-6200,"tfa_he":-6200,"tw":-6200,"age":34,"inc":36120,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-6200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":57000,"hmort":17900,"hequity":39100,"nifa":1300,"net_nifa":-4200,"tfa":8800,"net_tfa":3300,"tfa_he":42400,"tw":51075,"age":40,"inc":19548,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.31086,"net_n401":3300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":999,"net_tfa":999,"tfa_he":999,"tw":1999,"age":27,"inc":12660,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":999,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":510,"net_nifa":-5490,"tfa":510,"net_tfa":-5490,"tfa_he":-5490,"tw":-2990,"age":42,"inc":30000,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-5490,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26500,"hmort":26500,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1500,"age":34,"inc":11730,"fsize":2,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":2600,"tfa":2600,"net_tfa":2600,"tfa_he":2600,"tw":5100,"age":37,"inc":28236,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":32,"inc":6030,"fsize":3,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":126000,"hequity":24000,"nifa":52150,"net_nifa":52150,"tfa":52150,"net_tfa":52150,"tfa_he":76150,"tw":89850,"age":41,"inc":59400,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":52150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":67500,"hequity":12500,"nifa":120,"net_nifa":-8880,"tfa":120,"net_tfa":-8880,"tfa_he":3620,"tw":3620,"age":57,"inc":25200,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-8880,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":205,"net_nifa":205,"tfa":205,"net_tfa":205,"tfa_he":205,"tw":955,"age":56,"inc":14730,"fsize":1,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":205,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":78000,"hequity":72000,"nifa":100,"net_nifa":-3400,"tfa":100,"net_tfa":-3400,"tfa_he":68600,"tw":70250,"age":43,"inc":25500,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-3400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6807,"net_nifa":6807,"tfa":6807,"net_tfa":6807,"tfa_he":6807,"tw":7113,"age":46,"inc":11856,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":6807,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":25000,"hequity":125000,"nifa":1100,"net_nifa":1100,"tfa":1100,"net_tfa":1100,"tfa_he":126100,"tw":126100,"age":45,"inc":41886,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":58000,"hequity":0,"nifa":1500,"net_nifa":-17900,"tfa":1500,"net_tfa":-17900,"tfa_he":-17900,"tw":-14900,"age":40,"inc":29190,"fsize":5,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-17900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":15600,"hequity":-13600,"nifa":60,"net_nifa":-9840,"tfa":60,"net_tfa":-9840,"tfa_he":-23440,"tw":-17709,"age":28,"inc":31440,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-9840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":0,"tfa":50,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":10800,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":41,"inc":12471,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":1700,"tw":1700,"age":26,"inc":33672,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":1700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-6600,"tfa":1100,"net_tfa":-6600,"tfa_he":-6600,"tw":-4100,"age":34,"inc":34932,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-6600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":18400,"age":26,"inc":5268,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":68000,"hequity":8000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":13000,"tw":14000,"age":27,"inc":29676,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":33000,"hequity":27000,"nifa":31999,"net_nifa":31999,"tfa":31999,"net_tfa":31999,"tfa_he":58999,"tw":60132,"age":46,"inc":26022,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":31999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11528,"a401":0,"hval":55000,"hmort":36000,"hequity":19000,"nifa":999,"net_nifa":999,"tfa":12527,"net_tfa":12527,"tfa_he":31527,"tw":31527,"age":37,"inc":36852,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":12527,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":130000,"hequity":145000,"nifa":8000,"net_nifa":6000,"tfa":8000,"net_tfa":6000,"tfa_he":151000,"tw":215461,"age":39,"inc":21945,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":54144,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":0,"hequity":82000,"nifa":0,"net_nifa":-5770,"tfa":0,"net_tfa":-5770,"tfa_he":76230,"tw":76230,"age":30,"inc":29820,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5770,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":6800,"net_nifa":4200,"tfa":6800,"net_tfa":4200,"tfa_he":34200,"tw":37866,"age":41,"inc":48336,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":5509,"net_nifa":5509,"tfa":5509,"net_tfa":5509,"tfa_he":23509,"tw":23509,"age":27,"inc":36675,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":5509,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":115000,"hmort":0,"hequity":115000,"nifa":4849,"net_nifa":-5151,"tfa":64849,"net_tfa":54849,"tfa_he":169849,"tw":181849,"age":63,"inc":41448,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":54849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":2800,"age":32,"inc":9600,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":115000,"hmort":70000,"hequity":45000,"nifa":9500,"net_nifa":8500,"tfa":12000,"net_tfa":11000,"tfa_he":56000,"tw":65025,"age":43,"inc":45549,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":480,"net_nifa":-420,"tfa":480,"net_tfa":-420,"tfa_he":-420,"tw":-420,"age":30,"inc":30951,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-420,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":149100,"net_nifa":144100,"tfa":189100,"net_tfa":184100,"tfa_he":334100,"tw":464100,"age":61,"inc":97044,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":184100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":35000,"hequity":30000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":31000,"tw":31000,"age":37,"inc":52020,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":99000,"hmort":74100,"hequity":24900,"nifa":1800,"net_nifa":-1600,"tfa":1800,"net_tfa":-1600,"tfa_he":23300,"tw":41300,"age":26,"inc":52320,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":2700,"net_nifa":2700,"tfa":2700,"net_tfa":2700,"tfa_he":27700,"tw":27700,"age":58,"inc":41919,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":1050,"age":47,"inc":1200,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1100,"a401":0,"hval":112000,"hmort":62000,"hequity":50000,"nifa":450,"net_nifa":-1550,"tfa":1550,"net_tfa":-450,"tfa_he":49550,"tw":53350,"age":48,"inc":35970,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":-450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1850,"net_nifa":-150,"tfa":1850,"net_tfa":-150,"tfa_he":-150,"tw":1516,"age":43,"inc":41139,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":-150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2046,"a401":0,"hval":1000,"hmort":0,"hequity":1000,"nifa":17000,"net_nifa":17000,"tfa":19046,"net_tfa":19046,"tfa_he":20046,"tw":21771,"age":41,"inc":10998,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":19046,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":0,"hval":50000,"hmort":48000,"hequity":2000,"nifa":15000,"net_nifa":14600,"tfa":33000,"net_tfa":32600,"tfa_he":34600,"tw":134600,"age":38,"inc":61362,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":32600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":14850,"tfa":15000,"net_tfa":14850,"tfa_he":14850,"tw":39850,"age":39,"inc":28980,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":14850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":84000,"hmort":0,"hequity":84000,"nifa":23309,"net_nifa":23309,"tfa":23309,"net_tfa":23309,"tfa_he":107309,"tw":107309,"age":60,"inc":45549,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":23309,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":8000,"tw":10500,"age":44,"inc":44268,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":39900,"hequity":3100,"nifa":122,"net_nifa":-768,"tfa":122,"net_tfa":-768,"tfa_he":2332,"tw":6832,"age":33,"inc":27486,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-768,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":30000,"hequity":110000,"nifa":79598,"net_nifa":79448,"tfa":89598,"net_tfa":89448,"tfa_he":199448,"tw":276448,"age":50,"inc":99810,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":79448,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":17947,"hequity":7053,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":8553,"tw":9053,"age":44,"inc":25527,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":150000,"hequity":35000,"nifa":6174,"net_nifa":3174,"tfa":6174,"net_tfa":3174,"tfa_he":38174,"tw":46069,"age":28,"inc":52530,"fsize":3,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":3174,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":6000,"hmort":0,"hequity":6000,"nifa":82,"net_nifa":52,"tfa":82,"net_tfa":52,"tfa_he":6052,"tw":6052,"age":30,"inc":25878,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":52,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":32000,"hequity":243000,"nifa":8450,"net_nifa":8100,"tfa":8450,"net_tfa":8100,"tfa_he":251100,"tw":429100,"age":50,"inc":84600,"fsize":7,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":8100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":900,"a401":0,"hval":65000,"hmort":57500,"hequity":7500,"nifa":1100,"net_nifa":700,"tfa":2000,"net_tfa":1600,"tfa_he":9100,"tw":16100,"age":35,"inc":39861,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":68000,"hmort":36000,"hequity":32000,"nifa":3900,"net_nifa":-2100,"tfa":23900,"net_tfa":17900,"tfa_he":49900,"tw":52150,"age":43,"inc":23082,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":17900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":18900,"hequity":106100,"nifa":50359,"net_nifa":47359,"tfa":50359,"net_tfa":47359,"tfa_he":153459,"tw":153459,"age":49,"inc":38721,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":47359,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":0,"net_tfa":-300,"tfa_he":-300,"tw":-300,"age":37,"inc":13314,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":6279,"age":38,"inc":33192,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":37,"inc":27675,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":86000,"hmort":53000,"hequity":33000,"nifa":3949,"net_nifa":3949,"tfa":23949,"net_tfa":23949,"tfa_he":56949,"tw":64949,"age":46,"inc":54585,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":23949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":0,"hval":47000,"hmort":32000,"hequity":15000,"nifa":11000,"net_nifa":10900,"tfa":27000,"net_tfa":26900,"tfa_he":41900,"tw":51900,"age":37,"inc":49650,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":26900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":39,"inc":5469,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2200,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":7750,"net_nifa":5750,"tfa":64950,"net_tfa":62950,"tfa_he":212950,"tw":212950,"age":40,"inc":99567,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":7950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":975,"net_nifa":-3725,"tfa":975,"net_tfa":-3725,"tfa_he":-3725,"tw":10275,"age":27,"inc":27657,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3725,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":0,"net_nifa":-4108,"tfa":0,"net_tfa":-4108,"tfa_he":20892,"tw":20892,"age":44,"inc":13728,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-4108,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":40,"inc":30012,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":100,"tfa":200,"net_tfa":100,"tfa_he":100,"tw":100,"age":38,"inc":15384,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2499,"net_nifa":2499,"tfa":2499,"net_tfa":2499,"tfa_he":2499,"tw":3889,"age":31,"inc":36771,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":2499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":9000,"tfa":12000,"net_tfa":9000,"tfa_he":9000,"tw":9000,"age":46,"inc":139137,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":9000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":30000,"hequity":25000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":25000,"tw":25000,"age":51,"inc":36450,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":60,"net_nifa":-440,"tfa":60,"net_tfa":-440,"tfa_he":-440,"tw":-440,"age":33,"inc":23400,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-440,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-225,"tfa":75,"net_tfa":-225,"tfa_he":-225,"tw":575,"age":44,"inc":42744,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-225,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3250,"net_nifa":-750,"tfa":14650,"net_tfa":10650,"tfa_he":10650,"tw":13050,"age":30,"inc":25809,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2062,"net_n401":10650,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":85000,"hequity":10000,"nifa":1600,"net_nifa":420,"tfa":1600,"net_tfa":420,"tfa_he":10420,"tw":15420,"age":27,"inc":41985,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":57000,"a401":0,"hval":300000,"hmort":130000,"hequity":170000,"nifa":21500,"net_nifa":17800,"tfa":78500,"net_tfa":74800,"tfa_he":244800,"tw":374800,"age":51,"inc":66573,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":74800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":8000,"hmort":6000,"hequity":2000,"nifa":499,"net_nifa":-7201,"tfa":499,"net_tfa":-7201,"tfa_he":-5201,"tw":-4101,"age":38,"inc":95955,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-7201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":30016,"net_nifa":29316,"tfa":38016,"net_tfa":37316,"tfa_he":67316,"tw":70316,"age":38,"inc":27813,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":37316,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":111000,"hmort":111000,"hequity":0,"nifa":1500,"net_nifa":-4500,"tfa":1500,"net_tfa":-4500,"tfa_he":-4500,"tw":44500,"age":49,"inc":32064,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-550,"tfa":0,"net_tfa":-550,"tfa_he":-550,"tw":-550,"age":58,"inc":9180,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":-550,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3467,"tfa":0,"net_tfa":-3467,"tfa_he":-3467,"tw":-3467,"age":46,"inc":31200,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-3467,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":25000,"hequity":0,"nifa":4077,"net_nifa":4077,"tfa":4077,"net_tfa":4077,"tfa_he":4077,"tw":4577,"age":30,"inc":25440,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":4077,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":1299,"net_nifa":1299,"tfa":1299,"net_tfa":1299,"tfa_he":56299,"tw":56299,"age":43,"inc":23130,"fsize":4,"educ":8,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1299,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11000,"net_nifa":10750,"tfa":21000,"net_tfa":20750,"tfa_he":20750,"tw":109300,"age":54,"inc":21948,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":20750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":36,"net_nifa":-14729,"tfa":36,"net_tfa":-14729,"tfa_he":-14729,"tw":-14729,"age":38,"inc":14100,"fsize":5,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-14729,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":22000,"hequity":18000,"nifa":899,"net_nifa":899,"tfa":899,"net_tfa":899,"tfa_he":18899,"tw":21899,"age":40,"inc":27735,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":899,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":4100,"tfa":5000,"net_tfa":4100,"tfa_he":4100,"tw":55025,"age":52,"inc":20700,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":4100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":64000,"hequity":0,"nifa":3200,"net_nifa":3025,"tfa":3200,"net_tfa":3025,"tfa_he":3025,"tw":5025,"age":30,"inc":44169,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":0,"net_tfa":-200,"tfa_he":-200,"tw":3804,"age":27,"inc":15000,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":0,"hval":125000,"hmort":38900,"hequity":86100,"nifa":30999,"net_nifa":29999,"tfa":35999,"net_tfa":34999,"tfa_he":121099,"tw":123099,"age":57,"inc":44589,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":34999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1900,"net_nifa":1900,"tfa":1900,"net_tfa":1900,"tfa_he":1900,"tw":1900,"age":30,"inc":43293,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":1900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-2300,"tfa":700,"net_tfa":-2300,"tfa_he":-2300,"tw":7714,"age":34,"inc":22698,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-2300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":34,"inc":6537,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":12000,"tw":12000,"age":38,"inc":44874,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":12000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5049,"net_nifa":3549,"tfa":9049,"net_tfa":7549,"tfa_he":7549,"tw":13349,"age":55,"inc":22500,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":7549,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1849,"net_nifa":1849,"tfa":1849,"net_tfa":1849,"tfa_he":1849,"tw":1849,"age":28,"inc":29934,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":1849,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":4350,"age":53,"inc":7200,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":1000,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-15900,"tfa":100,"net_tfa":-15900,"tfa_he":-15900,"tw":-12567,"age":28,"inc":29604,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-15900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":34000,"hequity":21000,"nifa":2015,"net_nifa":2015,"tfa":2015,"net_tfa":2015,"tfa_he":23015,"tw":23015,"age":28,"inc":29283,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2015,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-3200,"tfa":200,"net_tfa":-3200,"tfa_he":-3200,"tw":-3200,"age":56,"inc":12852,"fsize":2,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-3200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":31000,"net_nifa":26000,"tfa":37000,"net_tfa":32000,"tfa_he":32000,"tw":32000,"age":45,"inc":80550,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.48881,"net_n401":32000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4200,"a401":0,"hval":210000,"hmort":35000,"hequity":175000,"nifa":2299,"net_nifa":2299,"tfa":6499,"net_tfa":6499,"tfa_he":181499,"tw":187524,"age":41,"inc":20535,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":6499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":100000,"hequity":115000,"nifa":6000,"net_nifa":4000,"tfa":6000,"net_tfa":4000,"tfa_he":119000,"tw":121666,"age":31,"inc":100356,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":50000,"hequity":150000,"nifa":17248,"net_nifa":-2752,"tfa":17248,"net_tfa":-2752,"tfa_he":147248,"tw":157148,"age":61,"inc":49992,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2752,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1700,"a401":0,"hval":115000,"hmort":111000,"hequity":4000,"nifa":3800,"net_nifa":-400,"tfa":5500,"net_tfa":1300,"tfa_he":5300,"tw":22300,"age":35,"inc":55374,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":180000,"hmort":49000,"hequity":131000,"nifa":16500,"net_nifa":10500,"tfa":32500,"net_tfa":26500,"tfa_he":157500,"tw":159000,"age":47,"inc":51150,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":26500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":0,"net_nifa":-500,"tfa":0,"net_tfa":-500,"tfa_he":14500,"tw":14500,"age":43,"inc":51447,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-550,"tfa":1400,"net_tfa":-550,"tfa_he":-550,"tw":2800,"age":31,"inc":17679,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":0,"net_tfa":-5000,"tfa_he":-5000,"tw":-1075,"age":43,"inc":22410,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":43900,"hequity":6100,"nifa":2010,"net_nifa":2010,"tfa":2010,"net_tfa":2010,"tfa_he":8110,"tw":8110,"age":48,"inc":29238,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":2010,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5460,"net_nifa":-2847,"tfa":5460,"net_tfa":-2847,"tfa_he":-2847,"tw":-2847,"age":42,"inc":45453,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-2847,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":75000,"hequity":55000,"nifa":12205,"net_nifa":12205,"tfa":12205,"net_tfa":12205,"tfa_he":67205,"tw":97205,"age":42,"inc":42813,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":12205,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":5000,"age":35,"inc":37167,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":244,"net_nifa":-306,"tfa":244,"net_tfa":-306,"tfa_he":19694,"tw":21019,"age":49,"inc":13491,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-306,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1329,"tfa":0,"net_tfa":-1329,"tfa_he":-1329,"tw":-829,"age":38,"inc":12915,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1329,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":4000,"age":27,"inc":30300,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":288,"net_nifa":288,"tfa":288,"net_tfa":288,"tfa_he":288,"tw":3288,"age":29,"inc":14274,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":288,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":145,"net_nifa":145,"tfa":145,"net_tfa":145,"tfa_he":145,"tw":3495,"age":50,"inc":15414,"fsize":4,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":145,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":38000,"hequity":12000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":12400,"tw":14900,"age":41,"inc":24498,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":133,"tfa":200,"net_tfa":133,"tfa_he":133,"tw":133,"age":49,"inc":56253,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":133,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":10,"tfa":10,"net_tfa":10,"tfa_he":10,"tw":2010,"age":34,"inc":7329,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":10,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":50000,"hequity":0,"nifa":700,"net_nifa":-11000,"tfa":700,"net_tfa":-11000,"tfa_he":-11000,"tw":-2200,"age":30,"inc":36639,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":831,"net_nifa":831,"tfa":831,"net_tfa":831,"tfa_he":831,"tw":3884,"age":27,"inc":6732,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":831,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67,"net_nifa":67,"tfa":67,"net_tfa":67,"tfa_he":67,"tw":67,"age":44,"inc":11262,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":67,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":15000,"hequity":105000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":105000,"tw":112000,"age":37,"inc":32679,"fsize":4,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-95,"tfa":0,"net_tfa":-95,"tfa_he":-95,"tw":1255,"age":27,"inc":15600,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-95,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":95000,"hmort":24000,"hequity":71000,"nifa":100,"net_nifa":-1700,"tfa":4100,"net_tfa":2300,"tfa_he":73300,"tw":85300,"age":57,"inc":21675,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":49500,"hequity":30500,"nifa":1571,"net_nifa":1371,"tfa":1571,"net_tfa":1371,"tfa_he":31871,"tw":31871,"age":34,"inc":30534,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1371,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":59000,"hequity":1000,"nifa":10009,"net_nifa":5009,"tfa":10009,"net_tfa":5009,"tfa_he":6009,"tw":6509,"age":27,"inc":34200,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":5009,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5500,"hmort":0,"hequity":5500,"nifa":14,"net_nifa":14,"tfa":14,"net_tfa":14,"tfa_he":5514,"tw":7914,"age":25,"inc":3723,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":14,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":350,"tw":883,"age":45,"inc":7596,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":350,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70,"net_nifa":-2030,"tfa":70,"net_tfa":-2030,"tfa_he":-2030,"tw":-1530,"age":30,"inc":7650,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-2030,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17900,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":54449,"net_nifa":53928,"tfa":72349,"net_tfa":71828,"tfa_he":221828,"tw":221828,"age":58,"inc":70992,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":71828,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-5800,"tfa":200,"net_tfa":-5800,"tfa_he":-5800,"tw":-5800,"age":28,"inc":22806,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-5800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":111000,"hmort":28000,"hequity":83000,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":84500,"tw":84500,"age":60,"inc":32481,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-9000,"tfa":1000,"net_tfa":-9000,"tfa_he":-9000,"tw":-9000,"age":37,"inc":45426,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-9000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":79000,"hequity":1000,"nifa":349,"net_nifa":-3651,"tfa":349,"net_tfa":-3651,"tfa_he":-2651,"tw":349,"age":31,"inc":19812,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3651,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9349,"net_nifa":-14551,"tfa":9349,"net_tfa":-14551,"tfa_he":-14551,"tw":-5551,"age":36,"inc":104343,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":-14551,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":56000,"hmort":0,"hequity":56000,"nifa":1300,"net_nifa":-700,"tfa":5300,"net_tfa":3300,"tfa_he":59300,"tw":59300,"age":50,"inc":34164,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":0,"net_nifa":0,"tfa":15000,"net_tfa":15000,"tfa_he":215000,"tw":215000,"age":40,"inc":28650,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":150000,"hequity":90000,"nifa":16500,"net_nifa":4500,"tfa":16500,"net_tfa":4500,"tfa_he":94500,"tw":107000,"age":35,"inc":93129,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":42818,"a401":0,"hval":130000,"hmort":88000,"hequity":42000,"nifa":20000,"net_nifa":20000,"tfa":62818,"net_tfa":62818,"tfa_he":104818,"tw":176818,"age":38,"inc":53925,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":62818,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":240000,"hmort":150000,"hequity":90000,"nifa":215750,"net_nifa":215750,"tfa":215750,"net_tfa":215750,"tfa_he":305750,"tw":305750,"age":41,"inc":66018,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":215750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":36546,"fsize":1,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":26520,"fsize":4,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":55000,"hequity":95000,"nifa":800,"net_nifa":-1200,"tfa":800,"net_tfa":-1200,"tfa_he":93800,"tw":93800,"age":34,"inc":36225,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":35000,"hequity":5000,"nifa":3750,"net_nifa":1750,"tfa":3750,"net_tfa":1750,"tfa_he":6750,"tw":6750,"age":52,"inc":28776,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":33,"inc":4845,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":65,"net_nifa":-835,"tfa":65,"net_tfa":-835,"tfa_he":-835,"tw":8015,"age":26,"inc":18006,"fsize":4,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-835,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":4700,"hequity":35300,"nifa":120,"net_nifa":-389,"tfa":120,"net_tfa":-389,"tfa_he":34911,"tw":35461,"age":37,"inc":21381,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-389,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-10650,"tfa":0,"net_tfa":-10650,"tfa_he":-10650,"tw":-10650,"age":26,"inc":44034,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-10650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":0,"hequity":46000,"nifa":800,"net_nifa":650,"tfa":800,"net_tfa":650,"tfa_he":46650,"tw":47400,"age":38,"inc":15612,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1699,"net_nifa":-1301,"tfa":1699,"net_tfa":-1301,"tfa_he":-1301,"tw":4699,"age":25,"inc":24177,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1301,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":4500,"hequity":45500,"nifa":12599,"net_nifa":12599,"tfa":12599,"net_tfa":12599,"tfa_he":58099,"tw":65599,"age":43,"inc":33366,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":12599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":60000,"tw":60000,"age":46,"inc":7668,"fsize":2,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":854,"net_nifa":-4146,"tfa":854,"net_tfa":-4146,"tfa_he":-4146,"tw":-2746,"age":32,"inc":17034,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-4146,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":59,"net_nifa":59,"tfa":59,"net_tfa":59,"tfa_he":59,"tw":59,"age":37,"inc":12003,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":59,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":25000,"hequity":0,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":12000,"tw":14500,"age":30,"inc":19932,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":12000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1132,"age":28,"inc":13260,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":73000,"hmort":65000,"hequity":8000,"nifa":500,"net_nifa":-3100,"tfa":6500,"net_tfa":2900,"tfa_he":10900,"tw":13233,"age":43,"inc":44418,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":195000,"hmort":100000,"hequity":95000,"nifa":16250,"net_nifa":15000,"tfa":28250,"net_tfa":27000,"tfa_he":122000,"tw":132679,"age":58,"inc":28476,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":27000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5799,"net_nifa":5569,"tfa":10799,"net_tfa":10569,"tfa_he":10569,"tw":13919,"age":64,"inc":17604,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.32681,"net_n401":10569,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":100,"tfa":150,"net_tfa":100,"tfa_he":100,"tw":2100,"age":37,"inc":32427,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":36000,"hmort":28000,"hequity":8000,"nifa":0,"net_nifa":-3060,"tfa":0,"net_tfa":-3060,"tfa_he":4940,"tw":4940,"age":25,"inc":36000,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-3060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-130,"tfa":0,"net_tfa":-130,"tfa_he":-130,"tw":1370,"age":33,"inc":24024,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-130,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":16000,"hequity":-2000,"nifa":3200,"net_nifa":2800,"tfa":3200,"net_tfa":2800,"tfa_he":800,"tw":5100,"age":31,"inc":12870,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":2800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2160,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":300,"net_nifa":-150,"tfa":2460,"net_tfa":2010,"tfa_he":72010,"tw":98460,"age":46,"inc":20715,"fsize":4,"educ":9,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.4721,"net_n401":2010,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":6000,"tw":6000,"age":39,"inc":41475,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":6000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":27000,"hequity":38000,"nifa":1200,"net_nifa":-1300,"tfa":1200,"net_tfa":-1300,"tfa_he":36700,"tw":37450,"age":58,"inc":17340,"fsize":1,"educ":1,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-1300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4500,"net_nifa":1700,"tfa":4500,"net_tfa":1700,"tfa_he":151700,"tw":151760,"age":45,"inc":45270,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":44,"inc":12858,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":101000,"hequity":74000,"nifa":2500,"net_nifa":100,"tfa":2500,"net_tfa":100,"tfa_he":74100,"tw":74100,"age":37,"inc":27720,"fsize":5,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-4900,"tfa":2100,"net_tfa":-4900,"tfa_he":-4900,"tw":2100,"age":42,"inc":34785,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-4900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32700,"hmort":32700,"hequity":0,"nifa":140,"net_nifa":-2010,"tfa":140,"net_tfa":-2010,"tfa_he":-2010,"tw":-2010,"age":26,"inc":27960,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2010,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":27000,"a401":0,"hval":230000,"hmort":0,"hequity":230000,"nifa":78300,"net_nifa":78070,"tfa":105300,"net_tfa":105070,"tfa_he":335070,"tw":531445,"age":53,"inc":20661,"fsize":5,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":105070,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13300,"a401":0,"hval":100000,"hmort":22000,"hequity":78000,"nifa":1500,"net_nifa":-4500,"tfa":14800,"net_tfa":8800,"tfa_he":86800,"tw":169300,"age":59,"inc":19725,"fsize":5,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.13209,"net_n401":8800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":2650,"tfa":7000,"net_tfa":6650,"tfa_he":6650,"tw":10000,"age":64,"inc":17616,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":6650,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":76000,"hmort":0,"hequity":76000,"nifa":2800,"net_nifa":2500,"tfa":2800,"net_tfa":2500,"tfa_he":78500,"tw":78500,"age":47,"inc":47802,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":34,"inc":11520,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":95,"net_nifa":95,"tfa":95,"net_tfa":95,"tfa_he":95,"tw":595,"age":28,"inc":28293,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":95,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":101200,"hequity":28800,"nifa":72475,"net_nifa":72475,"tfa":72475,"net_tfa":72475,"tfa_he":101275,"tw":291675,"age":48,"inc":43866,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":72475,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-11600,"tfa":650,"net_tfa":-11600,"tfa_he":-11600,"tw":-10900,"age":33,"inc":41925,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-11600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-7600,"tfa":400,"net_tfa":-7600,"tfa_he":-7600,"tw":-2600,"age":25,"inc":28335,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-7600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-3800,"tfa":200,"net_tfa":-3800,"tfa_he":-3800,"tw":-3800,"age":27,"inc":22950,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":90000,"hmort":85000,"hequity":5000,"nifa":40000,"net_nifa":33700,"tfa":70000,"net_tfa":63700,"tfa_he":68700,"tw":82700,"age":41,"inc":58800,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":63700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1109,"net_nifa":889,"tfa":13109,"net_tfa":12889,"tfa_he":52889,"tw":52889,"age":59,"inc":15984,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14649,"net_n401":12889,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":4500,"hequity":15500,"nifa":1000,"net_nifa":779,"tfa":1000,"net_tfa":779,"tfa_he":16279,"tw":20279,"age":39,"inc":13011,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":779,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":45000,"hequity":40000,"nifa":9599,"net_nifa":9599,"tfa":9599,"net_tfa":9599,"tfa_he":49599,"tw":57778,"age":49,"inc":143067,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":9599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1500,"tfa":11500,"net_tfa":9000,"tfa_he":9000,"tw":9725,"age":53,"inc":19200,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.10579,"net_n401":9000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":1674,"net_nifa":1674,"tfa":1674,"net_tfa":1674,"tfa_he":41674,"tw":60949,"age":41,"inc":21645,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1674,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":12175,"net_nifa":12175,"tfa":12175,"net_tfa":12175,"tfa_he":82175,"tw":82175,"age":36,"inc":39579,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":12175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":0,"net_nifa":-3200,"tfa":0,"net_tfa":-3200,"tfa_he":196800,"tw":205800,"age":41,"inc":93612,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":164,"net_nifa":164,"tfa":164,"net_tfa":164,"tfa_he":164,"tw":664,"age":28,"inc":3711,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":164,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-2400,"tfa":900,"net_tfa":-2400,"tfa_he":-2400,"tw":12975,"age":39,"inc":26925,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":2300,"age":57,"inc":9417,"fsize":4,"educ":7,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":5235,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5599,"net_nifa":3599,"tfa":5599,"net_tfa":3599,"tfa_he":3599,"tw":3599,"age":42,"inc":55740,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":3599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":52200,"net_nifa":51200,"tfa":52200,"net_tfa":51200,"tfa_he":81200,"tw":107500,"age":42,"inc":26016,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":51200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":28902,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19500,"a401":0,"hval":130000,"hmort":75000,"hequity":55000,"nifa":11499,"net_nifa":11499,"tfa":30999,"net_tfa":30999,"tfa_he":85999,"tw":85999,"age":35,"inc":97752,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":30999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":13000,"hequity":45000,"nifa":0,"net_nifa":-3450,"tfa":0,"net_tfa":-3450,"tfa_he":41550,"tw":43550,"age":61,"inc":11790,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3450,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":22016,"hequity":37984,"nifa":170,"net_nifa":-1030,"tfa":170,"net_tfa":-1030,"tfa_he":36954,"tw":36954,"age":38,"inc":26382,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1030,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-250,"tfa":500,"net_tfa":-250,"tfa_he":-250,"tw":5061,"age":32,"inc":26496,"fsize":1,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":13670,"net_nifa":11934,"tfa":13670,"net_tfa":11934,"tfa_he":111934,"tw":111934,"age":45,"inc":32490,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":11934,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":3700,"net_nifa":3700,"tfa":3700,"net_tfa":3700,"tfa_he":61700,"tw":63942,"age":26,"inc":10404,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":3700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-400,"tfa":0,"net_tfa":-400,"tfa_he":-400,"tw":7411,"age":28,"inc":11832,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":63000,"tw":63000,"age":53,"inc":30780,"fsize":4,"educ":8,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":1999,"tfa":1999,"net_tfa":1999,"tfa_he":1999,"tw":7741,"age":30,"inc":24600,"fsize":1,"educ":7,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":1999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":3660,"net_nifa":3660,"tfa":3660,"net_tfa":3660,"tfa_he":3660,"tw":37820,"age":63,"inc":28272,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":3660,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":27000,"hmort":22000,"hequity":5000,"nifa":3198,"net_nifa":3178,"tfa":3198,"net_tfa":3178,"tfa_he":8178,"tw":8178,"age":34,"inc":17337,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":3178,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":45000,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":34742,"age":49,"inc":11898,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-2200,"tfa":800,"net_tfa":-2200,"tfa_he":-2200,"tw":-2200,"age":32,"inc":22314,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-2200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":115000,"hequity":100000,"nifa":1010,"net_nifa":1010,"tfa":1010,"net_tfa":1010,"tfa_he":101010,"tw":101010,"age":29,"inc":76650,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":1010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5550,"net_nifa":5550,"tfa":5550,"net_tfa":5550,"tfa_he":5550,"tw":13650,"age":35,"inc":37776,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":5550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":99,"net_nifa":99,"tfa":99,"net_tfa":99,"tfa_he":99,"tw":99,"age":41,"inc":19590,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":99,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":4700,"tfa":5000,"net_tfa":4700,"tfa_he":4700,"tw":4700,"age":33,"inc":41637,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":28020,"net_nifa":28020,"tfa":28020,"net_tfa":28020,"tfa_he":28020,"tw":33562,"age":34,"inc":12144,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":28020,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":36000,"hmort":28000,"hequity":8000,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":8350,"tw":9850,"age":29,"inc":23940,"fsize":3,"educ":11,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":29,"inc":8400,"fsize":4,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":50000,"hequity":100000,"nifa":13323,"net_nifa":13108,"tfa":13323,"net_tfa":13108,"tfa_he":113108,"tw":130644,"age":50,"inc":55314,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":13108,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":85,"net_nifa":85,"tfa":85,"net_tfa":85,"tfa_he":85,"tw":1585,"age":44,"inc":969,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.02785,"net_n401":85,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":38000,"hequity":2000,"nifa":50,"net_nifa":-150,"tfa":50,"net_tfa":-150,"tfa_he":1850,"tw":2850,"age":54,"inc":5400,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-150,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":70000,"hequity":155000,"nifa":200,"net_nifa":-600,"tfa":200,"net_tfa":-600,"tfa_he":154400,"tw":167996,"age":28,"inc":27108,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":499,"age":38,"inc":11250,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":26000,"net_nifa":26000,"tfa":26000,"net_tfa":26000,"tfa_he":71000,"tw":93500,"age":45,"inc":69552,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-7300,"tfa":10200,"net_tfa":700,"tfa_he":700,"tw":2700,"age":31,"inc":17040,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11816,"net_n401":700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":2199,"net_nifa":-1001,"tfa":2199,"net_tfa":-1001,"tfa_he":198999,"tw":201899,"age":40,"inc":10260,"fsize":6,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-1001,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":103000,"hmort":72500,"hequity":30500,"nifa":350,"net_nifa":-68850,"tfa":350,"net_tfa":-68850,"tfa_he":-38350,"tw":-33108,"age":31,"inc":11721,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-68850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":0,"hequity":150000,"nifa":500,"net_nifa":-150,"tfa":500,"net_tfa":-150,"tfa_he":149850,"tw":154850,"age":64,"inc":23832,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":40000,"hequity":5000,"nifa":750,"net_nifa":-15550,"tfa":750,"net_tfa":-15550,"tfa_he":-10550,"tw":-10550,"age":54,"inc":32241,"fsize":5,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":-15550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":200,"tfa":1000,"net_tfa":200,"tfa_he":200,"tw":7661,"age":29,"inc":18336,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":10000,"hequity":10000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":10100,"tw":10100,"age":26,"inc":15906,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":80,"tfa":100,"net_tfa":80,"tfa_he":80,"tw":16080,"age":48,"inc":19680,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":80,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":5,"age":44,"inc":27720,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":5,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":79500,"hequity":70500,"nifa":13609,"net_nifa":10129,"tfa":13609,"net_tfa":10129,"tfa_he":80629,"tw":93617,"age":45,"inc":104814,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":10129,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":48000,"hequity":2000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":2000,"tw":3000,"age":42,"inc":10836,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":41000,"hequity":14000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":14000,"tw":15000,"age":29,"inc":18705,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16260,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":13100,"net_nifa":11700,"tfa":29360,"net_tfa":27960,"tfa_he":82960,"tw":82960,"age":53,"inc":29400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":27960,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":35000,"hequity":10000,"nifa":130,"net_nifa":-4870,"tfa":130,"net_tfa":-4870,"tfa_he":5130,"tw":5130,"age":49,"inc":14421,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-4870,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":47019,"net_nifa":44919,"tfa":59019,"net_tfa":56919,"tfa_he":131919,"tw":136919,"age":37,"inc":37302,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":56919,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":200000,"net_nifa":-101000,"tfa":213000,"net_tfa":-88000,"tfa_he":62000,"tw":462600,"age":53,"inc":75012,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-88000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":56155,"hequity":8845,"nifa":800,"net_nifa":-4116,"tfa":800,"net_tfa":-4116,"tfa_he":4729,"tw":4729,"age":35,"inc":21306,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4116,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":144000,"hequity":31000,"nifa":11,"net_nifa":-5989,"tfa":11,"net_tfa":-5989,"tfa_he":25011,"tw":25011,"age":36,"inc":118599,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-5989,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":600,"a401":0,"hval":75000,"hmort":74000,"hequity":1000,"nifa":28797,"net_nifa":22797,"tfa":29397,"net_tfa":23397,"tfa_he":24397,"tw":74397,"age":26,"inc":63432,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":23397,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":220,"net_nifa":220,"tfa":220,"net_tfa":220,"tfa_he":220,"tw":220,"age":43,"inc":45594,"fsize":7,"educ":9,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.59958,"net_n401":220,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-557,"tfa":0,"net_tfa":-557,"tfa_he":-557,"tw":6743,"age":36,"inc":24060,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-557,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-1600,"tfa":300,"net_tfa":-1600,"tfa_he":-1600,"tw":2275,"age":34,"inc":19380,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":4500,"tfa":6500,"net_tfa":4500,"tfa_he":4500,"tw":5000,"age":38,"inc":19416,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":4500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-250,"tfa":50,"net_tfa":-250,"tfa_he":-250,"tw":37750,"age":41,"inc":31800,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":38033,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":52498,"net_nifa":52498,"tfa":90531,"net_tfa":90531,"tfa_he":140531,"tw":140531,"age":64,"inc":35730,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":90531,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":67000,"hequity":233000,"nifa":13000,"net_nifa":13000,"tfa":13000,"net_tfa":13000,"tfa_he":246000,"tw":246000,"age":48,"inc":28422,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25800,"a401":0,"hval":195000,"hmort":117000,"hequity":78000,"nifa":20100,"net_nifa":20100,"tfa":45900,"net_tfa":45900,"tfa_he":123900,"tw":291900,"age":64,"inc":38124,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":45900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":35,"inc":4653,"fsize":5,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9400,"net_nifa":-22600,"tfa":18400,"net_tfa":-13600,"tfa_he":-13600,"tw":-13600,"age":33,"inc":38550,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":-13600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":36000,"net_nifa":36000,"tfa":52000,"net_tfa":52000,"tfa_he":72000,"tw":73000,"age":61,"inc":13206,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":52000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":95000,"hmort":31800,"hequity":63200,"nifa":10500,"net_nifa":7500,"tfa":10500,"net_tfa":7500,"tfa_he":70700,"tw":70700,"age":60,"inc":43320,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":5600,"age":31,"inc":2160,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":42000,"hequity":3000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":3200,"tw":6200,"age":30,"inc":29772,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":36000,"hequity":39000,"nifa":6000,"net_nifa":1000,"tfa":6000,"net_tfa":1000,"tfa_he":40000,"tw":48000,"age":32,"inc":39780,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":55000,"hequity":34000,"nifa":11100,"net_nifa":10535,"tfa":11100,"net_tfa":10535,"tfa_he":44535,"tw":60588,"age":49,"inc":26679,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":10535,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":60000,"hequity":40000,"nifa":1548,"net_nifa":1348,"tfa":1548,"net_tfa":1348,"tfa_he":41348,"tw":58101,"age":56,"inc":82977,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":1348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2803,"tfa":0,"net_tfa":-2803,"tfa_he":-2803,"tw":-2803,"age":26,"inc":17280,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2803,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8500,"age":55,"inc":32640,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":0,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":330,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-14000,"tfa":2830,"net_tfa":-13670,"tfa_he":-13670,"tw":13330,"age":55,"inc":33738,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-14000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3272,"net_nifa":772,"tfa":3272,"net_tfa":772,"tfa_he":772,"tw":2405,"age":30,"inc":15486,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":772,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":150000,"hmort":10000,"hequity":140000,"nifa":961,"net_nifa":-4039,"tfa":17961,"net_tfa":12961,"tfa_he":152961,"tw":156386,"age":52,"inc":24117,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-4039,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6055,"tfa":6500,"net_tfa":6055,"tfa_he":6055,"tw":6055,"age":38,"inc":55500,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":6055,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":175000,"hmort":30000,"hequity":145000,"nifa":3000,"net_nifa":2500,"tfa":23000,"net_tfa":22500,"tfa_he":167500,"tw":193203,"age":50,"inc":58896,"fsize":3,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":22500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":0,"hval":135000,"hmort":94000,"hequity":41000,"nifa":2200,"net_nifa":-2300,"tfa":9200,"net_tfa":4700,"tfa_he":45700,"tw":53700,"age":38,"inc":42135,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2200,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":35088,"net_nifa":32388,"tfa":44288,"net_tfa":41588,"tfa_he":41588,"tw":46288,"age":44,"inc":48252,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.64307,"net_n401":34588,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-16900,"tfa":4100,"net_tfa":-13900,"tfa_he":-13900,"tw":-13400,"age":60,"inc":39684,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-16900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":38000,"a401":10000,"hval":75000,"hmort":0,"hequity":75000,"nifa":150200,"net_nifa":149750,"tfa":198200,"net_tfa":197750,"tfa_he":272750,"tw":286750,"age":62,"inc":63786,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":187750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":22000,"hval":290000,"hmort":140000,"hequity":150000,"nifa":23300,"net_nifa":21300,"tfa":52300,"net_tfa":50300,"tfa_he":200300,"tw":375300,"age":37,"inc":36417,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":400,"a401":0,"hval":65000,"hmort":39000,"hequity":26000,"nifa":1100,"net_nifa":-7900,"tfa":1500,"net_tfa":-7500,"tfa_he":18500,"tw":20500,"age":46,"inc":35310,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":-7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-10000,"tfa":0,"net_tfa":-10000,"tfa_he":40000,"tw":40000,"age":27,"inc":12480,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-10000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3400,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":3400,"net_tfa":3400,"tfa_he":3400,"tw":3400,"age":34,"inc":26739,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":2500,"tfa":5500,"net_tfa":2500,"tfa_he":2500,"tw":3250,"age":39,"inc":45717,"fsize":4,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5045,"net_nifa":3045,"tfa":7545,"net_tfa":5545,"tfa_he":5545,"tw":6145,"age":62,"inc":27684,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2062,"net_n401":5545,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19000,"a401":65593,"hval":150000,"hmort":50000,"hequity":100000,"nifa":3725,"net_nifa":-5775,"tfa":88318,"net_tfa":78818,"tfa_he":178818,"tw":178818,"age":50,"inc":53112,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":13225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":1000,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":14280,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":5000,"hval":50000,"hmort":32000,"hequity":18000,"nifa":7125,"net_nifa":7105,"tfa":17125,"net_tfa":17105,"tfa_he":35105,"tw":41347,"age":50,"inc":24624,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":12105,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10233,"a401":7500,"hval":125530,"hmort":92000,"hequity":33530,"nifa":6309,"net_nifa":6309,"tfa":24042,"net_tfa":24042,"tfa_he":57572,"tw":60572,"age":36,"inc":70974,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":16542,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5000,"net_nifa":-6630,"tfa":93000,"net_tfa":81370,"tfa_he":231370,"tw":245870,"age":37,"inc":115812,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":1370,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":53000,"hequity":67000,"nifa":9800,"net_nifa":-14700,"tfa":9800,"net_tfa":-14700,"tfa_he":52300,"tw":65300,"age":35,"inc":66225,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-14700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":15000,"hval":200000,"hmort":150000,"hequity":50000,"nifa":900,"net_nifa":-1100,"tfa":45900,"net_tfa":43900,"tfa_he":93900,"tw":172900,"age":31,"inc":81000,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":28900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":10000,"net_nifa":6000,"tfa":40000,"net_tfa":36000,"tfa_he":186000,"tw":186000,"age":46,"inc":119196,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":36000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":35600,"net_nifa":31100,"tfa":37800,"net_tfa":33300,"tfa_he":33300,"tw":45780,"age":35,"inc":41574,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":33100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":41000,"hequity":14000,"nifa":3350,"net_nifa":2950,"tfa":3350,"net_tfa":2950,"tfa_he":16950,"tw":16950,"age":54,"inc":46125,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":80000,"hval":100000,"hmort":70000,"hequity":30000,"nifa":74448,"net_nifa":74448,"tfa":184448,"net_tfa":184448,"tfa_he":214448,"tw":426119,"age":64,"inc":72558,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":104448,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1300,"hval":86000,"hmort":69000,"hequity":17000,"nifa":24000,"net_nifa":23250,"tfa":25300,"net_tfa":24550,"tfa_he":41550,"tw":53375,"age":46,"inc":66576,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":23250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":100,"a401":2800,"hval":70000,"hmort":38700,"hequity":31300,"nifa":7540,"net_nifa":540,"tfa":10440,"net_tfa":3440,"tfa_he":34740,"tw":104240,"age":49,"inc":30246,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":640,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-430,"tfa":4000,"net_tfa":2570,"tfa_he":2570,"tw":3570,"age":31,"inc":33693,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-430,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":92000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":108075,"net_nifa":106575,"tfa":203575,"net_tfa":202075,"tfa_he":352075,"tw":352075,"age":29,"inc":148770,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":110075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":15000,"hequity":75000,"nifa":6000,"net_nifa":6000,"tfa":6000,"net_tfa":6000,"tfa_he":81000,"tw":87000,"age":46,"inc":52365,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":0,"hval":90000,"hmort":28000,"hequity":62000,"nifa":57000,"net_nifa":57000,"tfa":71000,"net_tfa":71000,"tfa_he":133000,"tw":139881,"age":43,"inc":54750,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":71000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":3000,"hequity":35000,"nifa":550,"net_nifa":150,"tfa":550,"net_tfa":150,"tfa_he":35150,"tw":35650,"age":44,"inc":21099,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":265000,"hmort":150000,"hequity":115000,"nifa":11000,"net_nifa":11000,"tfa":15000,"net_tfa":15000,"tfa_he":130000,"tw":133000,"age":33,"inc":72300,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":800,"hval":67000,"hmort":45000,"hequity":22000,"nifa":600,"net_nifa":-2400,"tfa":9400,"net_tfa":6400,"tfa_he":28400,"tw":54100,"age":50,"inc":50013,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":43291,"a401":25000,"hval":70000,"hmort":0,"hequity":70000,"nifa":59530,"net_nifa":57530,"tfa":127821,"net_tfa":125821,"tfa_he":195821,"tw":223821,"age":39,"inc":66102,"fsize":2,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":100821,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":22000,"hval":160000,"hmort":52000,"hequity":108000,"nifa":3300,"net_nifa":2300,"tfa":33300,"net_tfa":32300,"tfa_he":140300,"tw":142300,"age":43,"inc":78180,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":10300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":6000,"hval":70000,"hmort":64300,"hequity":5700,"nifa":700,"net_nifa":-1850,"tfa":12700,"net_tfa":10150,"tfa_he":15850,"tw":15850,"age":29,"inc":36294,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":4150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4100,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":1100,"tfa":5400,"net_tfa":5400,"tfa_he":5400,"tw":6900,"age":51,"inc":24480,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20298,"net_n401":5200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":501,"net_nifa":301,"tfa":501,"net_tfa":301,"tfa_he":301,"tw":301,"age":37,"inc":31500,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":301,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":42000,"hval":70000,"hmort":70000,"hequity":0,"nifa":3698,"net_nifa":3010,"tfa":45698,"net_tfa":45010,"tfa_he":45010,"tw":45010,"age":38,"inc":60228,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":3010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":850,"hval":72000,"hmort":72000,"hequity":0,"nifa":0,"net_nifa":-3008,"tfa":850,"net_tfa":-2158,"tfa_he":-2158,"tw":-2158,"age":38,"inc":17928,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3008,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":60000,"hmort":33000,"hequity":27000,"nifa":15000,"net_nifa":12000,"tfa":19000,"net_tfa":16000,"tfa_he":43000,"tw":53300,"age":39,"inc":39732,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8600,"a401":0,"hval":180000,"hmort":121000,"hequity":59000,"nifa":156100,"net_nifa":153500,"tfa":164700,"net_tfa":162100,"tfa_he":221100,"tw":266100,"age":36,"inc":70878,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":162100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":89000,"hequity":31000,"nifa":3800,"net_nifa":2000,"tfa":3800,"net_tfa":2000,"tfa_he":33000,"tw":48000,"age":28,"inc":47790,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":490,"net_nifa":-3135,"tfa":490,"net_tfa":-3135,"tfa_he":-3135,"tw":-135,"age":30,"inc":36540,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-3135,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":19500,"hval":70000,"hmort":57000,"hequity":13000,"nifa":27000,"net_nifa":-5000,"tfa":46500,"net_tfa":14500,"tfa_he":27500,"tw":39500,"age":28,"inc":143346,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":81000,"hmort":79950,"hequity":1050,"nifa":220,"net_nifa":-3780,"tfa":220,"net_tfa":-3780,"tfa_he":-2730,"tw":3770,"age":26,"inc":42222,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-3780,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":1860,"net_nifa":-4340,"tfa":4260,"net_tfa":-1940,"tfa_he":-1940,"tw":6560,"age":57,"inc":20430,"fsize":1,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-4340,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":51000,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":103200,"net_nifa":103200,"tfa":154200,"net_tfa":154200,"tfa_he":404200,"tw":604200,"age":47,"inc":75939,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":154200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1900,"hval":0,"hmort":0,"hequity":0,"nifa":9400,"net_nifa":9050,"tfa":11300,"net_tfa":10950,"tfa_he":10950,"tw":11450,"age":27,"inc":74370,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":9050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3200,"hval":75000,"hmort":45400,"hequity":29600,"nifa":4500,"net_nifa":4000,"tfa":7700,"net_tfa":7200,"tfa_he":36800,"tw":36800,"age":48,"inc":38517,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1200,"hval":125000,"hmort":58000,"hequity":67000,"nifa":24999,"net_nifa":24749,"tfa":26199,"net_tfa":25949,"tfa_he":92949,"tw":96474,"age":56,"inc":27492,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":24749,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":2500,"tfa":10700,"net_tfa":10500,"tfa_he":10500,"tw":10500,"age":63,"inc":23604,"fsize":3,"educ":3,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2062,"net_n401":10500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50,"a401":3400,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":-2765,"tfa":3530,"net_tfa":685,"tfa_he":685,"tw":25185,"age":43,"inc":24936,"fsize":9,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":-2715,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":58000,"hmort":0,"hequity":58000,"nifa":500,"net_nifa":500,"tfa":1500,"net_tfa":1500,"tfa_he":59500,"tw":59500,"age":59,"inc":17340,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":45000,"hval":30000,"hmort":1500,"hequity":28500,"nifa":2150,"net_nifa":-1850,"tfa":47150,"net_tfa":43150,"tfa_he":71650,"tw":73200,"age":58,"inc":42888,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":-1850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7796,"net_nifa":-5825,"tfa":7796,"net_tfa":-5825,"tfa_he":-5825,"tw":175,"age":34,"inc":79269,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":-5825,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":75249,"tw":75249,"age":50,"inc":15318,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":19500,"hval":85000,"hmort":54000,"hequity":31000,"nifa":43000,"net_nifa":42500,"tfa":62500,"net_tfa":62000,"tfa_he":93000,"tw":179100,"age":55,"inc":51051,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":42500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":21000,"hequity":19000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":19200,"tw":24150,"age":49,"inc":36024,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":84300,"hmort":74500,"hequity":9800,"nifa":4050,"net_nifa":550,"tfa":4050,"net_tfa":550,"tfa_he":10350,"tw":23946,"age":26,"inc":29580,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":80000,"hequity":110000,"nifa":40700,"net_nifa":38700,"tfa":40700,"net_tfa":38700,"tfa_he":148700,"tw":148700,"age":42,"inc":89253,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":38700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1266,"age":43,"inc":5379,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6200,"hval":178000,"hmort":150000,"hequity":28000,"nifa":9850,"net_nifa":9250,"tfa":16050,"net_tfa":15450,"tfa_he":43450,"tw":46250,"age":26,"inc":104373,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":9250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6075,"hval":0,"hmort":0,"hequity":0,"nifa":1852,"net_nifa":-3148,"tfa":7927,"net_tfa":2927,"tfa_he":2927,"tw":12747,"age":31,"inc":51600,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-3148,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2350,"a401":0,"hval":230000,"hmort":126000,"hequity":104000,"nifa":3325,"net_nifa":-275,"tfa":5675,"net_tfa":2075,"tfa_he":106075,"tw":126075,"age":32,"inc":58689,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":2075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":62500,"hequity":2500,"nifa":1400,"net_nifa":-4800,"tfa":1400,"net_tfa":-4800,"tfa_he":-2300,"tw":6700,"age":32,"inc":53109,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-4800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":57000,"a401":14500,"hval":84000,"hmort":62500,"hequity":21500,"nifa":9065,"net_nifa":8065,"tfa":80565,"net_tfa":79565,"tfa_he":101065,"tw":117065,"age":35,"inc":79818,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":65065,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5800,"net_nifa":2167,"tfa":5800,"net_tfa":2167,"tfa_he":2167,"tw":10992,"age":34,"inc":51288,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":2167,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4700,"hval":132000,"hmort":99000,"hequity":33000,"nifa":1000,"net_nifa":-4000,"tfa":5700,"net_tfa":700,"tfa_he":33700,"tw":33700,"age":42,"inc":50031,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4000,"age":33,"inc":28200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":40000,"hequity":75000,"nifa":3000,"net_nifa":0,"tfa":3000,"net_tfa":0,"tfa_he":75000,"tw":78800,"age":42,"inc":59433,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":191000,"hmort":0,"hequity":191000,"nifa":19500,"net_nifa":19500,"tfa":36500,"net_tfa":36500,"tfa_he":227500,"tw":375460,"age":46,"inc":58317,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":36500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3500,"hval":125000,"hmort":40000,"hequity":85000,"nifa":5117,"net_nifa":2117,"tfa":8617,"net_tfa":5617,"tfa_he":90617,"tw":90617,"age":34,"inc":54819,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2117,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":125,"net_nifa":-1375,"tfa":1125,"net_tfa":-375,"tfa_he":-375,"tw":-375,"age":26,"inc":19206,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1375,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":138000,"hmort":112000,"hequity":26000,"nifa":2777,"net_nifa":-573,"tfa":3777,"net_tfa":427,"tfa_he":26427,"tw":30537,"age":36,"inc":76566,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-573,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":8000,"hequity":42000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":42000,"tw":43053,"age":55,"inc":76566,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":60000,"hval":0,"hmort":0,"hequity":0,"nifa":3595,"net_nifa":3595,"tfa":63595,"net_tfa":63595,"tfa_he":63595,"tw":86595,"age":54,"inc":50646,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":3595,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":56500,"hequity":18500,"nifa":100,"net_nifa":-3400,"tfa":100,"net_tfa":-3400,"tfa_he":15100,"tw":17600,"age":31,"inc":19302,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-3400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":39000,"hmort":0,"hequity":39000,"nifa":7799,"net_nifa":7799,"tfa":19799,"net_tfa":19799,"tfa_he":58799,"tw":61999,"age":61,"inc":28194,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":7799,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":3500,"hval":240000,"hmort":150000,"hequity":90000,"nifa":15000,"net_nifa":-1000,"tfa":21500,"net_tfa":5500,"tfa_he":95500,"tw":103500,"age":48,"inc":62463,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":130000,"hmort":52000,"hequity":78000,"nifa":800,"net_nifa":-1400,"tfa":4800,"net_tfa":2600,"tfa_he":80600,"tw":84600,"age":34,"inc":73590,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":29500,"hequity":35500,"nifa":2500,"net_nifa":200,"tfa":2500,"net_tfa":200,"tfa_he":35700,"tw":36925,"age":52,"inc":53430,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15,"hval":25000,"hmort":24200,"hequity":800,"nifa":114,"net_nifa":-466,"tfa":129,"net_tfa":-451,"tfa_he":349,"tw":4349,"age":42,"inc":27261,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-466,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":3460,"net_nifa":1860,"tfa":23460,"net_tfa":21860,"tfa_he":21860,"tw":30910,"age":35,"inc":54060,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":11860,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6500,"hval":98000,"hmort":67000,"hequity":31000,"nifa":1470,"net_nifa":970,"tfa":7970,"net_tfa":7470,"tfa_he":38470,"tw":46870,"age":43,"inc":62856,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":200,"hval":68000,"hmort":32000,"hequity":36000,"nifa":36599,"net_nifa":36199,"tfa":42799,"net_tfa":42399,"tfa_he":78399,"tw":99599,"age":31,"inc":75861,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":42199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":19300,"hval":14000,"hmort":0,"hequity":14000,"nifa":850,"net_nifa":850,"tfa":20150,"net_tfa":20150,"tfa_he":34150,"tw":39298,"age":33,"inc":25752,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-700,"tfa":13600,"net_tfa":11600,"tfa_he":11600,"tw":34600,"age":31,"inc":30000,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":10300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":15000,"age":42,"inc":48180,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":4804,"age":49,"inc":26031,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":185000,"hmort":135000,"hequity":50000,"nifa":2775,"net_nifa":1675,"tfa":2775,"net_tfa":1675,"tfa_he":51675,"tw":291675,"age":31,"inc":69537,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":177000,"hmort":0,"hequity":177000,"nifa":42200,"net_nifa":42200,"tfa":42200,"net_tfa":42200,"tfa_he":219200,"tw":314200,"age":48,"inc":65601,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":42200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":129000,"hmort":0,"hequity":129000,"nifa":0,"net_nifa":0,"tfa":5000,"net_tfa":5000,"tfa_he":134000,"tw":134000,"age":56,"inc":31131,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4170,"a401":4000,"hval":165000,"hmort":66000,"hequity":99000,"nifa":15500,"net_nifa":14700,"tfa":23670,"net_tfa":22870,"tfa_he":121870,"tw":121870,"age":35,"inc":59877,"fsize":4,"educ":9,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.71309,"net_n401":18870,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":35000,"hval":156000,"hmort":60000,"hequity":96000,"nifa":70000,"net_nifa":54600,"tfa":105000,"net_tfa":89600,"tfa_he":185600,"tw":185600,"age":39,"inc":93924,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":54600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12084,"a401":6000,"hval":142000,"hmort":114000,"hequity":28000,"nifa":35413,"net_nifa":35238,"tfa":53497,"net_tfa":53322,"tfa_he":81322,"tw":86782,"age":36,"inc":89727,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":47322,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":170705,"net_nifa":170705,"tfa":253705,"net_tfa":253705,"tfa_he":403705,"tw":403705,"age":41,"inc":111636,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":173705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10300,"a401":291,"hval":60000,"hmort":55000,"hequity":5000,"nifa":41845,"net_nifa":41845,"tfa":52436,"net_tfa":52436,"tfa_he":57436,"tw":57436,"age":34,"inc":31242,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":52145,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":116500,"hequity":183500,"nifa":16000,"net_nifa":13000,"tfa":16000,"net_tfa":13000,"tfa_he":196500,"tw":198200,"age":34,"inc":57372,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":1500,"hval":45000,"hmort":0,"hequity":45000,"nifa":1000,"net_nifa":800,"tfa":6000,"net_tfa":5800,"tfa_he":50800,"tw":69800,"age":34,"inc":41415,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":4300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":62243,"hval":60000,"hmort":35000,"hequity":25000,"nifa":6800,"net_nifa":-18200,"tfa":69043,"net_tfa":44043,"tfa_he":69043,"tw":89043,"age":54,"inc":55080,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-18200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":87000,"hequity":0,"nifa":21000,"net_nifa":13950,"tfa":21000,"net_tfa":13950,"tfa_he":13950,"tw":21950,"age":40,"inc":81252,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":13950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":78000,"hval":225000,"hmort":95000,"hequity":130000,"nifa":548,"net_nifa":48,"tfa":81048,"net_tfa":80548,"tfa_he":210548,"tw":385548,"age":38,"inc":59397,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":2548,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5800,"hval":0,"hmort":0,"hequity":0,"nifa":257,"net_nifa":-12743,"tfa":6057,"net_tfa":-6943,"tfa_he":-6943,"tw":-6943,"age":34,"inc":22779,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-12743,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2380,"a401":0,"hval":55000,"hmort":37902,"hequity":17098,"nifa":444,"net_nifa":-2116,"tfa":2824,"net_tfa":264,"tfa_he":17362,"tw":25344,"age":60,"inc":20388,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":264,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1818,"hval":30000,"hmort":11000,"hequity":19000,"nifa":32,"net_nifa":-2545,"tfa":1850,"net_tfa":-727,"tfa_he":18273,"tw":23593,"age":28,"inc":8679,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.06231,"net_n401":-2545,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":12700,"hequity":152300,"nifa":2799,"net_nifa":-4201,"tfa":2799,"net_tfa":-4201,"tfa_he":148099,"tw":148099,"age":28,"inc":37170,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-4201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3150,"hval":140000,"hmort":109600,"hequity":30400,"nifa":11800,"net_nifa":11800,"tfa":14950,"net_tfa":14950,"tfa_he":45350,"tw":52229,"age":35,"inc":30480,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":11800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2075,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1595,"net_nifa":1595,"tfa":3670,"net_tfa":3670,"tfa_he":3670,"tw":6245,"age":35,"inc":18882,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.32681,"net_n401":3670,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18600,"a401":40000,"hval":65000,"hmort":0,"hequity":65000,"nifa":106500,"net_nifa":105400,"tfa":165100,"net_tfa":164000,"tfa_he":229000,"tw":229000,"age":54,"inc":51804,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":124000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":4500,"hmort":2000,"hequity":2500,"nifa":0,"net_nifa":-1430,"tfa":0,"net_tfa":-1430,"tfa_he":1070,"tw":1238,"age":27,"inc":12789,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-1430,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":60000,"hequity":140000,"nifa":47922,"net_nifa":47922,"tfa":47922,"net_tfa":47922,"tfa_he":187922,"tw":188722,"age":54,"inc":107097,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":47922,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":30000,"hequity":45000,"nifa":1148,"net_nifa":-3452,"tfa":1148,"net_tfa":-3452,"tfa_he":41548,"tw":51745,"age":41,"inc":23661,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-3452,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":83,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-7900,"tfa":1383,"net_tfa":-7817,"tfa_he":-7817,"tw":217,"age":35,"inc":40446,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-7900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2700,"hval":44000,"hmort":44000,"hequity":0,"nifa":4600,"net_nifa":3031,"tfa":7300,"net_tfa":5731,"tfa_he":5731,"tw":10806,"age":40,"inc":44730,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":3031,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":81000,"hequity":6000,"nifa":1500,"net_nifa":-9000,"tfa":1500,"net_tfa":-9000,"tfa_he":-3000,"tw":-1904,"age":30,"inc":52923,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":16000,"hequity":24000,"nifa":999,"net_nifa":-1,"tfa":999,"net_tfa":-1,"tfa_he":23999,"tw":25499,"age":41,"inc":30654,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3000,"age":58,"inc":25497,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":8000,"hval":62000,"hmort":62000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":8000,"net_tfa":8000,"tfa_he":8000,"tw":46500,"age":48,"inc":18297,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":80000,"hval":120000,"hmort":0,"hequity":120000,"nifa":129400,"net_nifa":129400,"tfa":224400,"net_tfa":224400,"tfa_he":344400,"tw":380400,"age":59,"inc":68346,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":144400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":80000,"hval":90000,"hmort":0,"hequity":90000,"nifa":28998,"net_nifa":28998,"tfa":108998,"net_tfa":108998,"tfa_he":198998,"tw":198998,"age":53,"inc":53490,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":28998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":10000,"hval":120000,"hmort":120000,"hequity":0,"nifa":80000,"net_nifa":80000,"tfa":105000,"net_tfa":105000,"tfa_he":105000,"tw":105000,"age":61,"inc":140130,"fsize":2,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.7316,"net_n401":95000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":48660,"a401":98600,"hval":150000,"hmort":38000,"hequity":112000,"nifa":236498,"net_nifa":224641,"tfa":383758,"net_tfa":371901,"tfa_he":483901,"tw":615234,"age":50,"inc":107301,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":273301,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":29043,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":20000,"net_nifa":20000,"tfa":49043,"net_tfa":49043,"tfa_he":119043,"tw":124868,"age":64,"inc":27000,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":49043,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":350,"hval":73000,"hmort":30000,"hequity":43000,"nifa":35758,"net_nifa":35758,"tfa":36108,"net_tfa":36108,"tfa_he":79108,"tw":89530,"age":38,"inc":42030,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":35758,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9150,"a401":35000,"hval":78000,"hmort":78000,"hequity":0,"nifa":5025,"net_nifa":-975,"tfa":49175,"net_tfa":43175,"tfa_he":43175,"tw":56175,"age":45,"inc":54150,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":8175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":15000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":77025,"net_nifa":76825,"tfa":107025,"net_tfa":106825,"tfa_he":256825,"tw":427825,"age":42,"inc":113076,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":91825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2400,"hval":215000,"hmort":150000,"hequity":65000,"nifa":4750,"net_nifa":3250,"tfa":7150,"net_tfa":5650,"tfa_he":70650,"tw":70650,"age":33,"inc":49572,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":3250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":92000,"hmort":55000,"hequity":37000,"nifa":8325,"net_nifa":975,"tfa":14325,"net_tfa":6975,"tfa_he":43975,"tw":43975,"age":26,"inc":62475,"fsize":2,"educ":2,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":75400,"hmort":41500,"hequity":33900,"nifa":6100,"net_nifa":4600,"tfa":16100,"net_tfa":14600,"tfa_he":48500,"tw":55500,"age":55,"inc":60267,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":49368,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":145000,"hmort":92000,"hequity":53000,"nifa":45100,"net_nifa":44600,"tfa":46100,"net_tfa":45600,"tfa_he":98600,"tw":154700,"age":41,"inc":21222,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":44600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1483,"hval":64000,"hmort":64000,"hequity":0,"nifa":23000,"net_nifa":22500,"tfa":24483,"net_tfa":23983,"tfa_he":23983,"tw":30983,"age":42,"inc":61683,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":22500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":750,"hval":30000,"hmort":0,"hequity":30000,"nifa":2799,"net_nifa":2799,"tfa":3549,"net_tfa":3549,"tfa_he":33549,"tw":36228,"age":45,"inc":14436,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":2799,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":660,"net_nifa":-340,"tfa":660,"net_tfa":-340,"tfa_he":-340,"tw":-340,"age":26,"inc":31689,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-340,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":8000,"hval":110000,"hmort":86000,"hequity":24000,"nifa":5500,"net_nifa":5500,"tfa":23500,"net_tfa":23500,"tfa_he":47500,"tw":51775,"age":37,"inc":34032,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":15500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":55000,"a401":80000,"hval":70000,"hmort":0,"hequity":70000,"nifa":125872,"net_nifa":125872,"tfa":260872,"net_tfa":260872,"tfa_he":330872,"tw":370872,"age":48,"inc":73086,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":180872,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":2711,"net_nifa":-2589,"tfa":6711,"net_tfa":1411,"tfa_he":1411,"tw":1911,"age":31,"inc":23208,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-2589,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":200000,"hmort":53000,"hequity":147000,"nifa":23750,"net_nifa":23500,"tfa":31750,"net_tfa":31500,"tfa_he":178500,"tw":188250,"age":39,"inc":75888,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":23500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":65000,"hequity":28000,"nifa":10,"net_nifa":-1790,"tfa":10,"net_tfa":-1790,"tfa_he":26210,"tw":114210,"age":42,"inc":39840,"fsize":6,"educ":13,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-1790,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":200000,"hmort":105000,"hequity":95000,"nifa":2501,"net_nifa":1901,"tfa":11501,"net_tfa":10901,"tfa_he":105901,"tw":105901,"age":42,"inc":66852,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":1901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":643,"net_nifa":-1530,"tfa":2143,"net_tfa":-30,"tfa_he":-30,"tw":-30,"age":34,"inc":30231,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-1530,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":155000,"hmort":135000,"hequity":20000,"nifa":8200,"net_nifa":5200,"tfa":13200,"net_tfa":10200,"tfa_he":30200,"tw":36200,"age":46,"inc":61086,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":30000,"hmort":0,"hequity":30000,"nifa":13249,"net_nifa":13249,"tfa":19249,"net_tfa":19249,"tfa_he":49249,"tw":54249,"age":59,"inc":15372,"fsize":2,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":13249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2500,"hval":89000,"hmort":61000,"hequity":28000,"nifa":550,"net_nifa":-1450,"tfa":3050,"net_tfa":1050,"tfa_he":29050,"tw":40050,"age":39,"inc":68676,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22371,"a401":6075,"hval":200000,"hmort":90000,"hequity":110000,"nifa":20399,"net_nifa":10399,"tfa":48845,"net_tfa":38845,"tfa_he":148845,"tw":156326,"age":43,"inc":33312,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":32770,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":1799,"net_nifa":1449,"tfa":1799,"net_tfa":1449,"tfa_he":66449,"tw":67949,"age":33,"inc":42660,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":44000,"a401":30000,"hval":300000,"hmort":65000,"hequity":235000,"nifa":2249,"net_nifa":2249,"tfa":76249,"net_tfa":76249,"tfa_he":311249,"tw":578249,"age":54,"inc":68715,"fsize":3,"educ":8,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.71309,"net_n401":46249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":93207,"hmort":93207,"hequity":0,"nifa":3993,"net_nifa":-107,"tfa":3993,"net_tfa":-107,"tfa_he":-107,"tw":-107,"age":45,"inc":67989,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-107,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":38160,"a401":7500,"hval":130000,"hmort":92000,"hequity":38000,"nifa":32518,"net_nifa":32218,"tfa":78178,"net_tfa":77878,"tfa_he":115878,"tw":115878,"age":37,"inc":59976,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":70378,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":18500,"hval":300000,"hmort":17000,"hequity":283000,"nifa":151431,"net_nifa":150831,"tfa":177931,"net_tfa":177331,"tfa_he":460331,"tw":460331,"age":47,"inc":59331,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":158831,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1200,"a401":3200,"hval":80000,"hmort":75000,"hequity":5000,"nifa":13200,"net_nifa":5200,"tfa":17600,"net_tfa":9600,"tfa_he":14600,"tw":99100,"age":44,"inc":43920,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":950,"hval":100000,"hmort":29900,"hequity":70100,"nifa":0,"net_nifa":-150,"tfa":950,"net_tfa":800,"tfa_he":70900,"tw":71400,"age":43,"inc":9690,"fsize":6,"educ":5,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":-150,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":15000,"hequity":35000,"nifa":313,"net_nifa":-1337,"tfa":313,"net_tfa":-1337,"tfa_he":33663,"tw":40663,"age":45,"inc":38187,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1337,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":59500,"hmort":45000,"hequity":14500,"nifa":5170,"net_nifa":-130,"tfa":5170,"net_tfa":-130,"tfa_he":14370,"tw":14370,"age":35,"inc":43689,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":75000,"hmort":55000,"hequity":20000,"nifa":8905,"net_nifa":6705,"tfa":15905,"net_tfa":13705,"tfa_he":33705,"tw":42705,"age":33,"inc":43200,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":6705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-3800,"tfa":2500,"net_tfa":-2000,"tfa_he":-2000,"tw":2650,"age":26,"inc":26400,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":170,"hval":55000,"hmort":7000,"hequity":48000,"nifa":0,"net_nifa":-5000,"tfa":170,"net_tfa":-4830,"tfa_he":43170,"tw":43545,"age":31,"inc":25740,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":16000,"hval":240000,"hmort":0,"hequity":240000,"nifa":10000,"net_nifa":10000,"tfa":32000,"net_tfa":32000,"tfa_he":272000,"tw":276000,"age":44,"inc":70125,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":84196,"net_nifa":84196,"tfa":84196,"net_tfa":84196,"tfa_he":384196,"tw":384196,"age":62,"inc":108588,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":84196,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":52000,"hval":300000,"hmort":0,"hequity":300000,"nifa":23081,"net_nifa":21980,"tfa":75081,"net_tfa":73980,"tfa_he":373980,"tw":373980,"age":56,"inc":44247,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":21980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":600,"tfa":1500,"net_tfa":1200,"tfa_he":1200,"tw":2100,"age":27,"inc":18030,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":12000,"hequity":58000,"nifa":5050,"net_nifa":3990,"tfa":5050,"net_tfa":3990,"tfa_he":61990,"tw":61990,"age":53,"inc":38262,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3990,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-11000,"tfa":0,"net_tfa":-11000,"tfa_he":-11000,"tw":-11000,"age":42,"inc":24000,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":-11000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":669,"hval":0,"hmort":0,"hequity":0,"nifa":581,"net_nifa":-1219,"tfa":1250,"net_tfa":-550,"tfa_he":-550,"tw":3450,"age":35,"inc":40674,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.59958,"net_n401":-1219,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":8600,"tfa":9000,"net_tfa":8600,"tfa_he":8600,"tw":8600,"age":36,"inc":50484,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":8600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":250000,"hmort":105300,"hequity":144700,"nifa":9000,"net_nifa":4000,"tfa":16000,"net_tfa":11000,"tfa_he":155700,"tw":162325,"age":38,"inc":47616,"fsize":3,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":50000,"hmort":25000,"hequity":25000,"nifa":58149,"net_nifa":55149,"tfa":78149,"net_tfa":75149,"tfa_he":100149,"tw":100149,"age":50,"inc":50742,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":55149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":110000,"hequity":35000,"nifa":70000,"net_nifa":66900,"tfa":70000,"net_tfa":66900,"tfa_he":101900,"tw":110361,"age":39,"inc":47838,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":66900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-1075,"tfa":1025,"net_tfa":-75,"tfa_he":-75,"tw":-75,"age":46,"inc":13125,"fsize":8,"educ":4,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.3792,"net_n401":-1075,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":43366,"a401":150,"hval":110000,"hmort":70000,"hequity":40000,"nifa":22396,"net_nifa":22096,"tfa":65912,"net_tfa":65612,"tfa_he":105612,"tw":105612,"age":57,"inc":73815,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":65462,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":220000,"hmort":150000,"hequity":70000,"nifa":55798,"net_nifa":55798,"tfa":105798,"net_tfa":105798,"tfa_he":175798,"tw":175798,"age":36,"inc":104190,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":55798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15602,"a401":17522,"hval":300000,"hmort":82000,"hequity":218000,"nifa":77581,"net_nifa":69581,"tfa":110705,"net_tfa":102705,"tfa_he":320705,"tw":329205,"age":54,"inc":139854,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":85183,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":200,"hval":25000,"hmort":19000,"hequity":6000,"nifa":390,"net_nifa":-8610,"tfa":590,"net_tfa":-8410,"tfa_he":-2410,"tw":7590,"age":25,"inc":22110,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-8610,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":20000,"hval":300000,"hmort":0,"hequity":300000,"nifa":103498,"net_nifa":102998,"tfa":130498,"net_tfa":129998,"tfa_he":429998,"tw":429998,"age":57,"inc":40581,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":109998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2700,"a401":0,"hval":125000,"hmort":16000,"hequity":109000,"nifa":14550,"net_nifa":14550,"tfa":17250,"net_tfa":17250,"tfa_he":126250,"tw":126250,"age":37,"inc":46929,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":17250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":900,"net_nifa":-32500,"tfa":900,"net_tfa":-32500,"tfa_he":-17500,"tw":-16275,"age":44,"inc":57306,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":-32500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":381,"hval":45000,"hmort":45000,"hequity":0,"nifa":100,"net_nifa":100,"tfa":481,"net_tfa":481,"tfa_he":481,"tw":3481,"age":29,"inc":27462,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7500,"hval":30000,"hmort":0,"hequity":30000,"nifa":300,"net_nifa":300,"tfa":7800,"net_tfa":7800,"tfa_he":37800,"tw":37800,"age":38,"inc":22011,"fsize":5,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":10000,"hval":75000,"hmort":34000,"hequity":41000,"nifa":799,"net_nifa":-85,"tfa":24799,"net_tfa":23915,"tfa_he":64915,"tw":109415,"age":42,"inc":27171,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":13915,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-700,"tfa":1000,"net_tfa":-200,"tfa_he":-200,"tw":9800,"age":32,"inc":42024,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2070,"a401":1603,"hval":100000,"hmort":77000,"hequity":23000,"nifa":3723,"net_nifa":3523,"tfa":7396,"net_tfa":7196,"tfa_he":30196,"tw":35896,"age":26,"inc":38604,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":5593,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2672,"hval":0,"hmort":0,"hequity":0,"nifa":27749,"net_nifa":23749,"tfa":30421,"net_tfa":26421,"tfa_he":26421,"tw":29496,"age":45,"inc":30225,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":23749,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":0,"net_nifa":-30000,"tfa":0,"net_tfa":-30000,"tfa_he":30000,"tw":30000,"age":62,"inc":21276,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-30000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":67000,"hmort":12800,"hequity":54200,"nifa":8709,"net_nifa":8709,"tfa":8709,"net_tfa":8709,"tfa_he":62909,"tw":62909,"age":64,"inc":34536,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":8709,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6300,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":2750,"net_nifa":850,"tfa":12050,"net_tfa":10150,"tfa_he":10150,"tw":13500,"age":61,"inc":20826,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":7150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":900,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":100,"tfa":11400,"net_tfa":11000,"tfa_he":11000,"tw":11425,"age":38,"inc":21360,"fsize":1,"educ":4,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20298,"net_n401":10100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":37000,"hequity":28000,"nifa":360,"net_nifa":-6290,"tfa":360,"net_tfa":-6290,"tfa_he":21710,"tw":31857,"age":36,"inc":17100,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-6290,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":73500,"hequity":126500,"nifa":1990,"net_nifa":-4010,"tfa":1990,"net_tfa":-4010,"tfa_he":122490,"tw":122490,"age":35,"inc":33762,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-4010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":4304,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":7804,"net_tfa":7804,"tfa_he":7804,"tw":7804,"age":47,"inc":44244,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":3500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":32000,"a401":30840,"hval":200000,"hmort":33000,"hequity":167000,"nifa":59013,"net_nifa":59013,"tfa":121853,"net_tfa":121853,"tfa_he":288853,"tw":292203,"age":58,"inc":70971,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":91013,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":75000,"hmort":66000,"hequity":9000,"nifa":3300,"net_nifa":-3700,"tfa":8300,"net_tfa":1300,"tfa_he":10300,"tw":10300,"age":36,"inc":68445,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":200000,"hmort":95000,"hequity":105000,"nifa":52000,"net_nifa":51000,"tfa":54000,"net_tfa":53000,"tfa_he":158000,"tw":173500,"age":60,"inc":85200,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":53000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":12000,"hval":70000,"hmort":63000,"hequity":7000,"nifa":1000,"net_nifa":-22000,"tfa":23000,"net_tfa":0,"tfa_he":7000,"tw":10825,"age":52,"inc":71421,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":-12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":20000,"hval":76000,"hmort":50000,"hequity":26000,"nifa":10419,"net_nifa":-4981,"tfa":36419,"net_tfa":21019,"tfa_he":47019,"tw":120615,"age":32,"inc":46665,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":1019,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":23000,"net_nifa":23000,"tfa":42600,"net_tfa":42600,"tfa_he":42600,"tw":52775,"age":28,"inc":42540,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":25600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":200000,"hmort":75000,"hequity":125000,"nifa":55700,"net_nifa":55700,"tfa":60700,"net_tfa":60700,"tfa_he":185700,"tw":189350,"age":37,"inc":25641,"fsize":4,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":55700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4700,"a401":13000,"hval":128000,"hmort":97000,"hequity":31000,"nifa":92748,"net_nifa":41648,"tfa":110448,"net_tfa":59348,"tfa_he":90348,"tw":90348,"age":43,"inc":63813,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":46348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-350,"tfa":50,"net_tfa":-350,"tfa_he":-350,"tw":-350,"age":28,"inc":17928,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-350,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":714,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":1214,"net_tfa":1214,"tfa_he":1214,"tw":1214,"age":49,"inc":30600,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":68,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":68,"net_tfa":68,"tfa_he":68,"tw":68,"age":53,"inc":10200,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2000,"tfa":50,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":40,"inc":32850,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-7500,"tfa":500,"net_tfa":-7500,"tfa_he":-7500,"tw":-6750,"age":34,"inc":13101,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-7500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":65000,"hmort":54900,"hequity":10100,"nifa":400,"net_nifa":-7800,"tfa":1600,"net_tfa":-6600,"tfa_he":3500,"tw":3500,"age":29,"inc":39396,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15000,"net_nifa":15000,"tfa":16000,"net_tfa":16000,"tfa_he":16000,"tw":23675,"age":58,"inc":30300,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":16000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":65000,"hequity":0,"nifa":8450,"net_nifa":6450,"tfa":8450,"net_tfa":6450,"tfa_he":6450,"tw":11825,"age":39,"inc":40980,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":6450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":130000,"hmort":88000,"hequity":42000,"nifa":26200,"net_nifa":25300,"tfa":27700,"net_tfa":26800,"tfa_he":68800,"tw":68800,"age":30,"inc":59685,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":25300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":4500,"hval":68000,"hmort":65000,"hequity":3000,"nifa":2675,"net_nifa":-8619,"tfa":23175,"net_tfa":11881,"tfa_he":14881,"tw":16381,"age":40,"inc":66573,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":7381,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":7499,"net_nifa":7499,"tfa":12999,"net_tfa":12999,"tfa_he":62999,"tw":66460,"age":54,"inc":18144,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":12999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4500,"hval":92000,"hmort":67000,"hequity":25000,"nifa":35200,"net_nifa":30200,"tfa":39700,"net_tfa":34700,"tfa_he":59700,"tw":59700,"age":42,"inc":75249,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":30200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":-3400,"tfa":2600,"net_tfa":-3400,"tfa_he":-3400,"tw":925,"age":39,"inc":30324,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-3400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":125000,"hmort":60000,"hequity":65000,"nifa":15000,"net_nifa":15000,"tfa":17500,"net_tfa":17500,"tfa_he":82500,"tw":85000,"age":42,"inc":39900,"fsize":2,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26000,"a401":55000,"hval":190000,"hmort":80000,"hequity":110000,"nifa":4800,"net_nifa":2800,"tfa":85800,"net_tfa":83800,"tfa_he":193800,"tw":209200,"age":42,"inc":74646,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":28800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":45000,"hval":190000,"hmort":30000,"hequity":160000,"nifa":10000,"net_nifa":-1000,"tfa":82000,"net_tfa":71000,"tfa_he":231000,"tw":681000,"age":59,"inc":38418,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":65000,"hmort":39000,"hequity":26000,"nifa":2100,"net_nifa":1100,"tfa":2100,"net_tfa":1100,"tfa_he":27100,"tw":38153,"age":59,"inc":40200,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":32000,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":8520,"net_nifa":-7080,"tfa":48520,"net_tfa":32920,"tfa_he":32920,"tw":41820,"age":32,"inc":76992,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":24920,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":234,"net_nifa":-1166,"tfa":1734,"net_tfa":334,"tfa_he":334,"tw":334,"age":44,"inc":10650,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1166,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14800,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":148000,"net_nifa":148000,"tfa":169800,"net_tfa":169800,"tfa_he":169800,"tw":225300,"age":53,"inc":44277,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":162800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":30000,"hval":120000,"hmort":65000,"hequity":55000,"nifa":2579,"net_nifa":-1421,"tfa":32579,"net_tfa":28579,"tfa_he":83579,"tw":86929,"age":36,"inc":57282,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-1421,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-750,"tfa":0,"net_tfa":-750,"tfa_he":-750,"tw":2594,"age":27,"inc":24603,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2700,"hval":95000,"hmort":70000,"hequity":25000,"nifa":8034,"net_nifa":8034,"tfa":10734,"net_tfa":10734,"tfa_he":35734,"tw":47734,"age":39,"inc":62025,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":8034,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":8000,"hval":95000,"hmort":80000,"hequity":15000,"nifa":35000,"net_nifa":35000,"tfa":49000,"net_tfa":49000,"tfa_he":64000,"tw":77053,"age":44,"inc":50250,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":41000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":169000,"hmort":116000,"hequity":53000,"nifa":16100,"net_nifa":13000,"tfa":25100,"net_tfa":22000,"tfa_he":75000,"tw":75000,"age":29,"inc":52467,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":22000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12369,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-2100,"tfa":13269,"net_tfa":10269,"tfa_he":10269,"tw":13844,"age":35,"inc":29427,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-2100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":536,"a401":4600,"hval":110000,"hmort":79900,"hequity":30100,"nifa":36635,"net_nifa":26835,"tfa":41771,"net_tfa":31971,"tfa_he":62071,"tw":92271,"age":55,"inc":123111,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":27371,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5200,"hval":0,"hmort":0,"hequity":0,"nifa":7900,"net_nifa":7900,"tfa":13100,"net_tfa":13100,"tfa_he":13100,"tw":19650,"age":32,"inc":16590,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":7900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3200,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":5857,"net_nifa":5857,"tfa":9057,"net_tfa":9057,"tfa_he":27057,"tw":29394,"age":32,"inc":14121,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":9057,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7000,"hmort":0,"hequity":7000,"nifa":13200,"net_nifa":12950,"tfa":13200,"net_tfa":12950,"tfa_he":19950,"tw":19950,"age":58,"inc":37068,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":12950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":80500,"hval":85000,"hmort":85000,"hequity":0,"nifa":3400,"net_nifa":1400,"tfa":93900,"net_tfa":91900,"tfa_he":91900,"tw":91900,"age":28,"inc":62430,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":12047,"net_nifa":12047,"tfa":17047,"net_tfa":17047,"tfa_he":17047,"tw":19997,"age":55,"inc":20898,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":12047,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1000,"a401":1000,"hval":30000,"hmort":10000,"hequity":20000,"nifa":11010,"net_nifa":-9031,"tfa":13010,"net_tfa":-7031,"tfa_he":12969,"tw":29969,"age":48,"inc":96837,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":-8031,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":100000,"hequity":35000,"nifa":4000,"net_nifa":-4200,"tfa":4000,"net_tfa":-4200,"tfa_he":30800,"tw":33800,"age":26,"inc":73212,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":95000,"hmort":70000,"hequity":25000,"nifa":50,"net_nifa":-1524,"tfa":10050,"net_tfa":8476,"tfa_he":33476,"tw":39976,"age":29,"inc":46323,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1524,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2185,"net_nifa":2020,"tfa":2185,"net_tfa":2020,"tfa_he":2020,"tw":4870,"age":27,"inc":27657,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":2020,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":37000,"a401":80000,"hval":125000,"hmort":88000,"hequity":37000,"nifa":5678,"net_nifa":2678,"tfa":122678,"net_tfa":119678,"tfa_he":156678,"tw":166278,"age":33,"inc":119460,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":39678,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":425,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":425,"net_tfa":-4575,"tfa_he":-4575,"tw":-4575,"age":31,"inc":25800,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":59000,"hequity":26000,"nifa":2070,"net_nifa":-20930,"tfa":2070,"net_tfa":-20930,"tfa_he":5070,"tw":17070,"age":27,"inc":39255,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-20930,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-3900,"tfa":2100,"net_tfa":-2900,"tfa_he":-2900,"tw":25200,"age":31,"inc":24762,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-3900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":32000,"a401":17988,"hval":85000,"hmort":36500,"hequity":48500,"nifa":44583,"net_nifa":44583,"tfa":94571,"net_tfa":94571,"tfa_he":143071,"tw":143071,"age":55,"inc":90978,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":76583,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":14000,"hval":75000,"hmort":15000,"hequity":60000,"nifa":1249,"net_nifa":-3151,"tfa":15249,"net_tfa":10849,"tfa_he":70849,"tw":123849,"age":44,"inc":46275,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-3151,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8800,"a401":25000,"hval":135000,"hmort":123200,"hequity":11800,"nifa":16499,"net_nifa":16499,"tfa":50299,"net_tfa":50299,"tfa_he":62099,"tw":81099,"age":32,"inc":90729,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":25299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":99000,"hequity":71000,"nifa":350,"net_nifa":-9087,"tfa":350,"net_tfa":-9087,"tfa_he":61913,"tw":64553,"age":38,"inc":84504,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-9087,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":599,"net_nifa":-4607,"tfa":599,"net_tfa":-4607,"tfa_he":-4607,"tw":3989,"age":44,"inc":31911,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":-4607,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-1600,"tfa":2400,"net_tfa":400,"tfa_he":400,"tw":4066,"age":33,"inc":28179,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":2600,"hval":80000,"hmort":0,"hequity":80000,"nifa":1000,"net_nifa":-3000,"tfa":20600,"net_tfa":16600,"tfa_he":96600,"tw":111600,"age":42,"inc":57465,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":70000,"hmort":0,"hequity":70000,"nifa":1500,"net_nifa":1500,"tfa":19500,"net_tfa":19500,"tfa_he":89500,"tw":89500,"age":56,"inc":132996,"fsize":6,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4860,"hval":65000,"hmort":52886,"hequity":12114,"nifa":13200,"net_nifa":-10233,"tfa":18060,"net_tfa":-5373,"tfa_he":6741,"tw":10477,"age":44,"inc":91725,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-10233,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":0,"hequity":57000,"nifa":8000,"net_nifa":8000,"tfa":8000,"net_tfa":8000,"tfa_he":65000,"tw":134700,"age":42,"inc":65280,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6851,"a401":80000,"hval":0,"hmort":0,"hequity":0,"nifa":18500,"net_nifa":18300,"tfa":105351,"net_tfa":105151,"tfa_he":105151,"tw":110151,"age":41,"inc":39780,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":25151,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":58424,"hmort":21500,"hequity":36924,"nifa":20550,"net_nifa":20550,"tfa":26550,"net_tfa":26550,"tfa_he":63474,"tw":63474,"age":39,"inc":30024,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":20550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17300,"net_nifa":16900,"tfa":17300,"net_tfa":16900,"tfa_he":16900,"tw":19400,"age":42,"inc":36120,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":16900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":89000,"hmort":69000,"hequity":20000,"nifa":100,"net_nifa":100,"tfa":5100,"net_tfa":5100,"tfa_he":25100,"tw":28450,"age":44,"inc":46593,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":1000,"hval":185000,"hmort":18000,"hequity":167000,"nifa":15508,"net_nifa":11508,"tfa":19508,"net_tfa":15508,"tfa_he":182508,"tw":186358,"age":56,"inc":31680,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":14508,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":8000,"hmort":0,"hequity":8000,"nifa":670,"net_nifa":-5280,"tfa":5670,"net_tfa":-280,"tfa_he":7720,"tw":12720,"age":33,"inc":24138,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5280,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":2900,"hval":162950,"hmort":98000,"hequity":64950,"nifa":34000,"net_nifa":28000,"tfa":44900,"net_tfa":38900,"tfa_he":103850,"tw":103850,"age":46,"inc":66396,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":36000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":80000,"hmort":0,"hequity":80000,"nifa":2000,"net_nifa":-6000,"tfa":3000,"net_tfa":-5000,"tfa_he":75000,"tw":110000,"age":50,"inc":12240,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-6000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":10289,"net_nifa":-4711,"tfa":10289,"net_tfa":-4711,"tfa_he":40289,"tw":56039,"age":40,"inc":68661,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-4711,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-965,"tfa":700,"net_tfa":-365,"tfa_he":-365,"tw":1135,"age":35,"inc":27840,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-965,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3800,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":-4201,"tfa":6099,"net_tfa":1599,"tfa_he":1599,"tw":1599,"age":31,"inc":36201,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":-401,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":85000,"hmort":0,"hequity":85000,"nifa":49,"net_nifa":49,"tfa":80049,"net_tfa":80049,"tfa_he":165049,"tw":183049,"age":52,"inc":76806,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":49,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":75,"net_nifa":-425,"tfa":75,"net_tfa":-425,"tfa_he":29575,"tw":32925,"age":37,"inc":19440,"fsize":3,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-425,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":151000,"hmort":150000,"hequity":1000,"nifa":2999,"net_nifa":2999,"tfa":12999,"net_tfa":12999,"tfa_he":13999,"tw":13999,"age":49,"inc":37182,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1015,"hval":0,"hmort":0,"hequity":0,"nifa":3749,"net_nifa":3749,"tfa":4764,"net_tfa":4764,"tfa_he":4764,"tw":4764,"age":42,"inc":18555,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":3749,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":26000,"hval":103000,"hmort":80000,"hequity":23000,"nifa":1550,"net_nifa":-3450,"tfa":66550,"net_tfa":61550,"tfa_he":84550,"tw":85050,"age":30,"inc":62490,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":9550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":28000,"hval":300000,"hmort":109000,"hequity":191000,"nifa":2200,"net_nifa":-9800,"tfa":30800,"net_tfa":18800,"tfa_he":209800,"tw":233400,"age":43,"inc":116940,"fsize":4,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":-9200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":40000,"hmort":0,"hequity":40000,"nifa":6050,"net_nifa":-12250,"tfa":23050,"net_tfa":4750,"tfa_he":44750,"tw":44750,"age":42,"inc":71376,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-12250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":28000,"hval":65000,"hmort":48000,"hequity":17000,"nifa":2400,"net_nifa":-8400,"tfa":30400,"net_tfa":19600,"tfa_he":36600,"tw":63450,"age":42,"inc":57186,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-8400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":79000,"hmort":68500,"hequity":10500,"nifa":9000,"net_nifa":9000,"tfa":9000,"net_tfa":9000,"tfa_he":19500,"tw":33203,"age":50,"inc":35754,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4065,"net_nifa":-2435,"tfa":15065,"net_tfa":8565,"tfa_he":158565,"tw":172565,"age":49,"inc":101532,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":8565,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":540,"net_nifa":240,"tfa":940,"net_tfa":640,"tfa_he":640,"tw":1640,"age":27,"inc":19143,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":240,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":39,"inc":28050,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":550,"tfa":1550,"net_tfa":1550,"tfa_he":1550,"tw":2050,"age":55,"inc":11049,"fsize":6,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":13866,"hval":40000,"hmort":35000,"hequity":5000,"nifa":730,"net_nifa":-1270,"tfa":14596,"net_tfa":12596,"tfa_he":17596,"tw":21596,"age":36,"inc":36552,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":56000,"hmort":37450,"hequity":18550,"nifa":16100,"net_nifa":15833,"tfa":24100,"net_tfa":23833,"tfa_he":42383,"tw":64583,"age":34,"inc":53700,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":15833,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":51000,"hequity":9000,"nifa":1350,"net_nifa":1350,"tfa":1350,"net_tfa":1350,"tfa_he":10350,"tw":13350,"age":34,"inc":42906,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8500,"a401":20000,"hval":110000,"hmort":48000,"hequity":62000,"nifa":51000,"net_nifa":47500,"tfa":79500,"net_tfa":76000,"tfa_he":138000,"tw":183000,"age":50,"inc":91887,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":56000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":234,"net_nifa":-18866,"tfa":234,"net_tfa":-18866,"tfa_he":-18866,"tw":-14366,"age":45,"inc":59616,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-18866,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":80000,"hmort":37900,"hequity":42100,"nifa":2460,"net_nifa":-540,"tfa":22460,"net_tfa":19460,"tfa_he":61560,"tw":61560,"age":35,"inc":33834,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-540,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":100,"tfa":2850,"net_tfa":2600,"tfa_he":2600,"tw":2600,"age":26,"inc":14532,"fsize":3,"educ":13,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.3792,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1399,"a401":17613,"hval":125000,"hmort":83000,"hequity":42000,"nifa":5407,"net_nifa":2407,"tfa":24419,"net_tfa":21419,"tfa_he":63419,"tw":67852,"age":41,"inc":44883,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":3806,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":6500,"tfa":19500,"net_tfa":18500,"tfa_he":18500,"tw":19925,"age":35,"inc":29970,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":70000,"hmort":70000,"hequity":0,"nifa":14660,"net_nifa":14610,"tfa":22660,"net_tfa":22610,"tfa_he":22610,"tw":25960,"age":41,"inc":37245,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":14610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20,"hval":80000,"hmort":76000,"hequity":4000,"nifa":4300,"net_nifa":-700,"tfa":4320,"net_tfa":-680,"tfa_he":3320,"tw":3320,"age":38,"inc":42600,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27000,"a401":80000,"hval":180000,"hmort":18000,"hequity":162000,"nifa":31000,"net_nifa":31000,"tfa":138000,"net_tfa":138000,"tfa_he":300000,"tw":300000,"age":56,"inc":100365,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":58000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":761,"net_nifa":-1639,"tfa":30761,"net_tfa":28361,"tfa_he":28361,"tw":30211,"age":37,"inc":41439,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":-1639,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":21000,"hval":40000,"hmort":30000,"hequity":10000,"nifa":6030,"net_nifa":1030,"tfa":39030,"net_tfa":34030,"tfa_he":44030,"tw":44030,"age":34,"inc":73071,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":13030,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":200,"age":35,"inc":14850,"fsize":8,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.3792,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":61000,"a401":28000,"hval":300000,"hmort":0,"hequity":300000,"nifa":184000,"net_nifa":184000,"tfa":298000,"net_tfa":298000,"tfa_he":598000,"tw":748000,"age":58,"inc":200997,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":245000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2348,"net_nifa":-11261,"tfa":2348,"net_tfa":-11261,"tfa_he":-11261,"tw":-11261,"age":30,"inc":25488,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-11261,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1250,"tfa":5050,"net_tfa":3750,"tfa_he":3750,"tw":10450,"age":43,"inc":28080,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-1250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":299,"tfa":299,"net_tfa":299,"tfa_he":299,"tw":1299,"age":43,"inc":39204,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-9900,"tfa":13100,"net_tfa":1100,"tfa_he":1100,"tw":2600,"age":28,"inc":32034,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-9900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":70000,"hmort":0,"hequity":70000,"nifa":3000,"net_nifa":2070,"tfa":4500,"net_tfa":3570,"tfa_he":73570,"tw":98570,"age":53,"inc":27300,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":2070,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":450,"hval":46000,"hmort":45000,"hequity":1000,"nifa":2456,"net_nifa":2456,"tfa":2906,"net_tfa":2906,"tfa_he":3906,"tw":3906,"age":42,"inc":26856,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":2456,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2200,"hval":0,"hmort":0,"hequity":0,"nifa":4266,"net_nifa":-3844,"tfa":6466,"net_tfa":-1644,"tfa_he":-1644,"tw":356,"age":29,"inc":64935,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-3844,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5686,"a401":4388,"hval":150000,"hmort":55000,"hequity":95000,"nifa":9683,"net_nifa":9183,"tfa":19757,"net_tfa":19257,"tfa_he":114257,"tw":114257,"age":50,"inc":38112,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":14869,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1300,"hval":89000,"hmort":55000,"hequity":34000,"nifa":3749,"net_nifa":1749,"tfa":5049,"net_tfa":3049,"tfa_he":37049,"tw":37049,"age":38,"inc":26964,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":1749,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":899,"net_nifa":899,"tfa":899,"net_tfa":899,"tfa_he":60899,"tw":60899,"age":51,"inc":19164,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":899,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":1500,"hval":125000,"hmort":100000,"hequity":25000,"nifa":4300,"net_nifa":4300,"tfa":10800,"net_tfa":10800,"tfa_he":35800,"tw":35800,"age":33,"inc":65529,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":9300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":65000,"hmort":23000,"hequity":42000,"nifa":0,"net_nifa":0,"tfa":100,"net_tfa":100,"tfa_he":42100,"tw":42100,"age":41,"inc":19200,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5600,"a401":4758,"hval":60000,"hmort":48000,"hequity":12000,"nifa":7110,"net_nifa":2460,"tfa":17468,"net_tfa":12818,"tfa_he":24818,"tw":155918,"age":36,"inc":43437,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":8060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":15000,"hequity":10000,"nifa":458,"net_nifa":158,"tfa":458,"net_tfa":158,"tfa_he":10158,"tw":11324,"age":41,"inc":23454,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":158,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":55000,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":400500,"net_nifa":387300,"tfa":535500,"net_tfa":522300,"tfa_he":672300,"tw":672300,"age":40,"inc":131796,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":442300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2600,"a401":200,"hval":75000,"hmort":56000,"hequity":19000,"nifa":2049,"net_nifa":2049,"tfa":4849,"net_tfa":4849,"tfa_he":23849,"tw":30849,"age":31,"inc":67593,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":4649,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1600,"a401":48000,"hval":280000,"hmort":137000,"hequity":143000,"nifa":4250,"net_nifa":-9650,"tfa":53850,"net_tfa":39950,"tfa_he":182950,"tw":201450,"age":51,"inc":95178,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-8050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":55000,"hequity":15000,"nifa":8699,"net_nifa":8699,"tfa":8699,"net_tfa":8699,"tfa_he":23699,"tw":23699,"age":44,"inc":54060,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":8699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-13900,"tfa":3600,"net_tfa":-11400,"tfa_he":-11400,"tw":-7975,"age":33,"inc":34671,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-13900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":150000,"hmort":131000,"hequity":19000,"nifa":5145,"net_nifa":3145,"tfa":11145,"net_tfa":9145,"tfa_he":28145,"tw":34160,"age":34,"inc":65556,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":3145,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":104000,"hmort":0,"hequity":104000,"nifa":12649,"net_nifa":3849,"tfa":17649,"net_tfa":8849,"tfa_he":112849,"tw":116849,"age":56,"inc":8136,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.375,"net_n401":3849,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":-10300,"tfa":8200,"net_tfa":-7300,"tfa_he":-7300,"tw":5700,"age":27,"inc":58362,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-10300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-975,"tfa":25,"net_tfa":-975,"tfa_he":-975,"tw":-475,"age":36,"inc":21615,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-975,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15,"hval":100000,"hmort":55000,"hequity":45000,"nifa":49,"net_nifa":-4951,"tfa":64,"net_tfa":-4936,"tfa_he":40064,"tw":40064,"age":36,"inc":13506,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-4951,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1944,"a401":17000,"hval":36700,"hmort":0,"hequity":36700,"nifa":49999,"net_nifa":49999,"tfa":68943,"net_tfa":68943,"tfa_he":105643,"tw":113643,"age":51,"inc":44658,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":51943,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":9000,"hval":53000,"hmort":35000,"hequity":18000,"nifa":20500,"net_nifa":17500,"tfa":29500,"net_tfa":26500,"tfa_he":44500,"tw":55931,"age":39,"inc":40179,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":17500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":275000,"hmort":150000,"hequity":125000,"nifa":8800,"net_nifa":8775,"tfa":14800,"net_tfa":14775,"tfa_he":139775,"tw":140875,"age":45,"inc":58758,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":8775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":40000,"hequity":-10000,"nifa":6781,"net_nifa":-8219,"tfa":6781,"net_tfa":-8219,"tfa_he":-18219,"tw":-18219,"age":43,"inc":48426,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-8219,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":22288,"net_nifa":22288,"tfa":52288,"net_tfa":52288,"tfa_he":302288,"tw":302288,"age":52,"inc":70896,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":52288,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25533,"a401":40000,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":100,"tfa":67133,"net_tfa":65633,"tfa_he":65633,"tw":75995,"age":53,"inc":34584,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.67399,"net_n401":25633,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12400,"a401":13450,"hval":25000,"hmort":19800,"hequity":5200,"nifa":2380,"net_nifa":35,"tfa":28230,"net_tfa":25885,"tfa_he":31085,"tw":31420,"age":49,"inc":13530,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":12435,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17700,"a401":40000,"hval":132000,"hmort":90000,"hequity":42000,"nifa":50050,"net_nifa":50050,"tfa":107750,"net_tfa":107750,"tfa_he":149750,"tw":149750,"age":31,"inc":58632,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":67750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":3252,"net_nifa":-2748,"tfa":7252,"net_tfa":1252,"tfa_he":1252,"tw":5627,"age":25,"inc":37194,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-2748,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":171000,"hmort":150000,"hequity":21000,"nifa":20380,"net_nifa":20250,"tfa":20380,"net_tfa":20250,"tfa_he":41250,"tw":64250,"age":45,"inc":76008,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":20250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":40000,"hval":0,"hmort":0,"hequity":0,"nifa":20398,"net_nifa":20398,"tfa":60398,"net_tfa":60398,"tfa_he":60398,"tw":66573,"age":51,"inc":35472,"fsize":2,"educ":4,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":20398,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":16000,"hval":150000,"hmort":40000,"hequity":110000,"nifa":1300,"net_nifa":100,"tfa":17300,"net_tfa":16100,"tfa_he":126100,"tw":132183,"age":53,"inc":41538,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":65000,"hmort":40000,"hequity":25000,"nifa":500,"net_nifa":500,"tfa":3000,"net_tfa":3000,"tfa_he":28000,"tw":30500,"age":44,"inc":33060,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3700,"tfa":0,"net_tfa":-3700,"tfa_he":-3700,"tw":300,"age":48,"inc":20232,"fsize":10,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-3700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":525,"net_nifa":-4497,"tfa":525,"net_tfa":-4497,"tfa_he":-4497,"tw":-3734,"age":35,"inc":32400,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-4497,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":62000,"hequity":58000,"nifa":800,"net_nifa":-4300,"tfa":800,"net_tfa":-4300,"tfa_he":53700,"tw":208200,"age":37,"inc":54996,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5265,"a401":514,"hval":70000,"hmort":40500,"hequity":29500,"nifa":12940,"net_nifa":8940,"tfa":18719,"net_tfa":14719,"tfa_he":44219,"tw":44219,"age":49,"inc":41685,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":14205,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":22000,"hval":0,"hmort":0,"hequity":0,"nifa":10859,"net_nifa":8859,"tfa":32859,"net_tfa":30859,"tfa_he":30859,"tw":38784,"age":33,"inc":39096,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":8859,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":165000,"hmort":67000,"hequity":98000,"nifa":1125,"net_nifa":295,"tfa":9125,"net_tfa":8295,"tfa_he":106295,"tw":113095,"age":40,"inc":77100,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":295,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":47000,"hval":270000,"hmort":135000,"hequity":135000,"nifa":8500,"net_nifa":4500,"tfa":55500,"net_tfa":51500,"tfa_he":186500,"tw":318000,"age":45,"inc":145854,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":80000,"hval":150000,"hmort":35000,"hequity":115000,"nifa":30000,"net_nifa":30000,"tfa":124000,"net_tfa":124000,"tfa_he":239000,"tw":314000,"age":41,"inc":28350,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":44000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":110000,"hmort":77000,"hequity":33000,"nifa":479,"net_nifa":-6041,"tfa":50479,"net_tfa":43959,"tfa_he":76959,"tw":76959,"age":45,"inc":37893,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6041,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":18100,"net_nifa":18100,"tfa":18400,"net_tfa":18400,"tfa_he":18400,"tw":18400,"age":30,"inc":57381,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":18100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":132000,"hmort":132000,"hequity":0,"nifa":20500,"net_nifa":20500,"tfa":20500,"net_tfa":20500,"tfa_he":20500,"tw":20500,"age":34,"inc":79374,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":20500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":149000,"hmort":149000,"hequity":0,"nifa":9700,"net_nifa":1200,"tfa":89700,"net_tfa":81200,"tfa_he":81200,"tw":81700,"age":52,"inc":90900,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":4300,"net_nifa":-7700,"tfa":34300,"net_tfa":22300,"tfa_he":22300,"tw":22300,"age":30,"inc":92904,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":-7700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17,"hval":50000,"hmort":50000,"hequity":0,"nifa":300,"net_nifa":-9985,"tfa":317,"net_tfa":-9968,"tfa_he":-9968,"tw":-6388,"age":29,"inc":40971,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-9985,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":4500,"age":38,"inc":19800,"fsize":2,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11231,"hval":80000,"hmort":28000,"hequity":52000,"nifa":5369,"net_nifa":3869,"tfa":16600,"net_tfa":15100,"tfa_he":67100,"tw":70100,"age":37,"inc":36984,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3869,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":70000,"hval":200000,"hmort":120000,"hequity":80000,"nifa":25900,"net_nifa":25700,"tfa":95900,"net_tfa":95700,"tfa_he":175700,"tw":182700,"age":34,"inc":102666,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":25700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":4000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":25271,"net_nifa":25271,"tfa":39271,"net_tfa":39271,"tfa_he":189271,"tw":189771,"age":54,"inc":36012,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":35271,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":36000,"hmort":0,"hequity":36000,"nifa":23750,"net_nifa":23750,"tfa":73750,"net_tfa":73750,"tfa_he":109750,"tw":123475,"age":63,"inc":18330,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":23750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10400,"a401":12000,"hval":230000,"hmort":56000,"hequity":174000,"nifa":60800,"net_nifa":60800,"tfa":83200,"net_tfa":83200,"tfa_he":257200,"tw":257200,"age":44,"inc":72165,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":71200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":7000,"hequity":23000,"nifa":164,"net_nifa":-36,"tfa":164,"net_tfa":-36,"tfa_he":22964,"tw":22964,"age":45,"inc":11430,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-36,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":180000,"hmort":35000,"hequity":145000,"nifa":2499,"net_nifa":1999,"tfa":12499,"net_tfa":11999,"tfa_he":156999,"tw":156999,"age":53,"inc":53292,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":45000,"hmort":19000,"hequity":26000,"nifa":80,"net_nifa":-7020,"tfa":8080,"net_tfa":980,"tfa_he":26980,"tw":27980,"age":48,"inc":24765,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-7020,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":35000,"hval":90000,"hmort":0,"hequity":90000,"nifa":52000,"net_nifa":50000,"tfa":87000,"net_tfa":85000,"tfa_he":175000,"tw":201000,"age":51,"inc":49566,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":50000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":8000,"hval":150000,"hmort":42000,"hequity":108000,"nifa":46283,"net_nifa":45283,"tfa":62283,"net_tfa":61283,"tfa_he":169283,"tw":172633,"age":46,"inc":45063,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":53283,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2750,"hval":70000,"hmort":16000,"hequity":54000,"nifa":596,"net_nifa":-2804,"tfa":3346,"net_tfa":-54,"tfa_he":53946,"tw":53946,"age":49,"inc":36684,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2804,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":42000,"hmort":0,"hequity":42000,"nifa":249,"net_nifa":249,"tfa":20249,"net_tfa":20249,"tfa_he":62249,"tw":82313,"age":59,"inc":36027,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":16000,"a401":20000,"hval":125000,"hmort":82000,"hequity":43000,"nifa":4000,"net_nifa":4000,"tfa":40000,"net_tfa":40000,"tfa_he":83000,"tw":83200,"age":33,"inc":49959,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2400,"hval":125000,"hmort":98000,"hequity":27000,"nifa":360,"net_nifa":-640,"tfa":2760,"net_tfa":1760,"tfa_he":28760,"tw":28760,"age":42,"inc":57414,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-640,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":-2485,"tfa":15,"net_tfa":-2485,"tfa_he":-2485,"tw":-2485,"age":48,"inc":35082,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2485,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":37000,"a401":140000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":47200,"net_nifa":41400,"tfa":224200,"net_tfa":218400,"tfa_he":368400,"tw":413400,"age":55,"inc":117600,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":78400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":180000,"hmort":112000,"hequity":68000,"nifa":4800,"net_nifa":-2900,"tfa":4800,"net_tfa":-2900,"tfa_he":65100,"tw":69100,"age":43,"inc":55716,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":48000,"hequity":17000,"nifa":180,"net_nifa":-120,"tfa":180,"net_tfa":-120,"tfa_he":16880,"tw":21880,"age":28,"inc":31686,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-120,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":30000,"hmort":25000,"hequity":5000,"nifa":0,"net_nifa":-6240,"tfa":3000,"net_tfa":-3240,"tfa_he":1760,"tw":4760,"age":34,"inc":45600,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-6240,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":3299,"net_nifa":-28701,"tfa":3299,"net_tfa":-28701,"tfa_he":121299,"tw":135299,"age":36,"inc":60651,"fsize":4,"educ":9,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.66883,"net_n401":-28701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":90000,"hmort":59000,"hequity":31000,"nifa":18899,"net_nifa":16099,"tfa":21899,"net_tfa":19099,"tfa_he":50099,"tw":50099,"age":34,"inc":48219,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":16099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11300,"a401":7000,"hval":150000,"hmort":72000,"hequity":78000,"nifa":41756,"net_nifa":25456,"tfa":60056,"net_tfa":43756,"tfa_he":121756,"tw":121756,"age":54,"inc":49881,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":36756,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":20000,"net_nifa":20000,"tfa":21000,"net_tfa":21000,"tfa_he":31000,"tw":43500,"age":45,"inc":34986,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":21600,"net_nifa":17000,"tfa":32600,"net_tfa":28000,"tfa_he":148000,"tw":248000,"age":49,"inc":45900,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":28000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":9000,"hval":150000,"hmort":101000,"hequity":49000,"nifa":2400,"net_nifa":-6000,"tfa":11400,"net_tfa":3000,"tfa_he":52000,"tw":53000,"age":29,"inc":31842,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":0,"hequity":135000,"nifa":130229,"net_nifa":130229,"tfa":130229,"net_tfa":130229,"tfa_he":265229,"tw":265229,"age":50,"inc":58176,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":130229,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":70000,"hval":115000,"hmort":7900,"hequity":107100,"nifa":29350,"net_nifa":3150,"tfa":99350,"net_tfa":73150,"tfa_he":180250,"tw":206250,"age":48,"inc":62430,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2400,"a401":0,"hval":90000,"hmort":68161,"hequity":21839,"nifa":81300,"net_nifa":81300,"tfa":83700,"net_tfa":83700,"tfa_he":105539,"tw":161064,"age":30,"inc":41535,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":83700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-11200,"tfa":17500,"net_tfa":5800,"tfa_he":5800,"tw":6300,"age":39,"inc":50400,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-11200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":200,"hval":50000,"hmort":26000,"hequity":24000,"nifa":148,"net_nifa":-12852,"tfa":50348,"net_tfa":37348,"tfa_he":61348,"tw":61348,"age":55,"inc":36720,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":37148,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1300,"hval":90000,"hmort":75120,"hequity":14880,"nifa":3000,"net_nifa":-2000,"tfa":4300,"net_tfa":-700,"tfa_he":14180,"tw":14180,"age":30,"inc":46302,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6500,"hval":165000,"hmort":109000,"hequity":56000,"nifa":5100,"net_nifa":-1000,"tfa":11600,"net_tfa":5500,"tfa_he":61500,"tw":61500,"age":30,"inc":67824,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":0,"hmort":0,"hequity":0,"nifa":4400,"net_nifa":-3600,"tfa":22400,"net_tfa":14400,"tfa_he":14400,"tw":21900,"age":49,"inc":38310,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-3600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":296,"tfa":5400,"net_tfa":5296,"tfa_he":5296,"tw":7704,"age":30,"inc":18915,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":296,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":49000,"hmort":0,"hequity":49000,"nifa":600,"net_nifa":-540,"tfa":1200,"net_tfa":60,"tfa_he":49060,"tw":52260,"age":63,"inc":22299,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-540,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9650,"a401":25000,"hval":140000,"hmort":98000,"hequity":42000,"nifa":27499,"net_nifa":27499,"tfa":62149,"net_tfa":62149,"tfa_he":104149,"tw":104149,"age":49,"inc":60069,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":37149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":24000,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":-2100,"tfa":27500,"net_tfa":21900,"tfa_he":21900,"tw":26182,"age":44,"inc":29913,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-2100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":100000,"hmort":12000,"hequity":88000,"nifa":19500,"net_nifa":18600,"tfa":20300,"net_tfa":19400,"tfa_he":107400,"tw":114879,"age":54,"inc":40500,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":18600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2250,"net_nifa":-2150,"tfa":2250,"net_tfa":-2150,"tfa_he":-2150,"tw":1350,"age":30,"inc":34413,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-2150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":3500,"hval":210000,"hmort":136000,"hequity":74000,"nifa":15500,"net_nifa":15350,"tfa":36000,"net_tfa":35850,"tfa_he":109850,"tw":109850,"age":31,"inc":48522,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":27350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":3050,"net_nifa":550,"tfa":4250,"net_tfa":1750,"tfa_he":1750,"tw":5425,"age":30,"inc":30105,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":11000,"net_nifa":7900,"tfa":21000,"net_tfa":17900,"tfa_he":17900,"tw":17900,"age":42,"inc":39279,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":7900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":-7500,"tfa":3500,"net_tfa":-7500,"tfa_he":-7500,"tw":-4131,"age":25,"inc":31215,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-7500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":14500,"hequity":15500,"nifa":400,"net_nifa":-900,"tfa":400,"net_tfa":-900,"tfa_he":14600,"tw":14600,"age":40,"inc":51960,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":36200,"a401":1400,"hval":106000,"hmort":78000,"hequity":28000,"nifa":19999,"net_nifa":19999,"tfa":57599,"net_tfa":57599,"tfa_he":85599,"tw":85599,"age":36,"inc":74100,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":56199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":100000,"hmort":96500,"hequity":3500,"nifa":2549,"net_nifa":-8451,"tfa":20549,"net_tfa":9549,"tfa_he":13049,"tw":16217,"age":55,"inc":44184,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-8451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8000,"a401":0,"hval":84000,"hmort":79000,"hequity":5000,"nifa":97800,"net_nifa":92800,"tfa":105800,"net_tfa":100800,"tfa_he":105800,"tw":105800,"age":37,"inc":57000,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":100800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":23000,"hval":0,"hmort":0,"hequity":0,"nifa":3700,"net_nifa":3700,"tfa":26700,"net_tfa":26700,"tfa_he":26700,"tw":39275,"age":40,"inc":9498,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":3700,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":36000,"a401":0,"hval":40000,"hmort":38500,"hequity":1500,"nifa":32165,"net_nifa":32165,"tfa":68165,"net_tfa":68165,"tfa_he":69665,"tw":76665,"age":39,"inc":44586,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":68165,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":80000,"hmort":0,"hequity":80000,"nifa":6880,"net_nifa":5380,"tfa":7680,"net_tfa":6180,"tfa_he":86180,"tw":87180,"age":32,"inc":63207,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":5380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":55000,"hequity":8000,"nifa":241,"net_nifa":-8259,"tfa":241,"net_tfa":-8259,"tfa_he":-259,"tw":1741,"age":53,"inc":23550,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-8259,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":81001,"hval":160000,"hmort":39000,"hequity":121000,"nifa":4200,"net_nifa":3980,"tfa":85201,"net_tfa":84981,"tfa_he":205981,"tw":209981,"age":52,"inc":46818,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":3980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-100,"tfa":1900,"net_tfa":500,"tfa_he":500,"tw":1500,"age":29,"inc":12810,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":70000,"hequity":80000,"nifa":10,"net_nifa":-3490,"tfa":10,"net_tfa":-3490,"tfa_he":76510,"tw":87689,"age":36,"inc":35196,"fsize":2,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":-3490,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":834,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":8200,"tfa":10834,"net_tfa":9034,"tfa_he":9034,"tw":12495,"age":39,"inc":17592,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":8200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":45500,"hmort":45500,"hequity":0,"nifa":3400,"net_nifa":3200,"tfa":15400,"net_tfa":15200,"tfa_he":15200,"tw":31200,"age":29,"inc":53172,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":3000,"hval":100000,"hmort":60000,"hequity":40000,"nifa":400,"net_nifa":350,"tfa":21400,"net_tfa":21350,"tfa_he":61350,"tw":63050,"age":36,"inc":33030,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":18350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":12600,"net_nifa":12600,"tfa":29600,"net_tfa":29600,"tfa_he":84600,"tw":84100,"age":45,"inc":29100,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":29600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":15900,"hequity":51100,"nifa":13374,"net_nifa":13374,"tfa":13374,"net_tfa":13374,"tfa_he":64474,"tw":64474,"age":50,"inc":39240,"fsize":3,"educ":9,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":13374,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":87000,"hmort":72950,"hequity":14050,"nifa":762,"net_nifa":112,"tfa":5762,"net_tfa":5112,"tfa_he":19162,"tw":20112,"age":40,"inc":38466,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":112,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":40000,"hequity":15000,"nifa":6300,"net_nifa":5800,"tfa":6300,"net_tfa":5800,"tfa_he":20800,"tw":136975,"age":33,"inc":21720,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":37000,"hequity":21000,"nifa":13320,"net_nifa":13320,"tfa":13320,"net_tfa":13320,"tfa_he":34320,"tw":37270,"age":36,"inc":25647,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":13320,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":360,"hval":170000,"hmort":30500,"hequity":139500,"nifa":2748,"net_nifa":-12252,"tfa":3108,"net_tfa":-11892,"tfa_he":127608,"tw":127608,"age":41,"inc":37242,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-12252,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":65000,"hmort":48000,"hequity":17000,"nifa":2200,"net_nifa":1900,"tfa":22200,"net_tfa":21900,"tfa_he":38900,"tw":38900,"age":42,"inc":44874,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26296,"a401":0,"hval":96000,"hmort":86400,"hequity":9600,"nifa":10915,"net_nifa":8583,"tfa":37211,"net_tfa":34879,"tfa_he":44479,"tw":47829,"age":40,"inc":55806,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":34879,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":2900,"hval":80000,"hmort":56000,"hequity":24000,"nifa":17199,"net_nifa":15099,"tfa":70099,"net_tfa":67999,"tfa_he":91999,"tw":91999,"age":43,"inc":51816,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":65099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20,"hval":57000,"hmort":30000,"hequity":27000,"nifa":400,"net_nifa":-5400,"tfa":420,"net_tfa":-5380,"tfa_he":21620,"tw":24320,"age":34,"inc":16704,"fsize":6,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-5400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":633,"hval":83000,"hmort":71000,"hequity":12000,"nifa":4911,"net_nifa":4311,"tfa":5544,"net_tfa":4944,"tfa_he":16944,"tw":23944,"age":27,"inc":54339,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":4311,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":10000,"hequity":30000,"nifa":200,"net_nifa":-16200,"tfa":200,"net_tfa":-16200,"tfa_he":13800,"tw":13800,"age":41,"inc":40320,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-16200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":70000,"hmort":30000,"hequity":40000,"nifa":5200,"net_nifa":1200,"tfa":10200,"net_tfa":6200,"tfa_he":46200,"tw":51033,"age":51,"inc":25488,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1800,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":6075,"net_nifa":3075,"tfa":17875,"net_tfa":14875,"tfa_he":14875,"tw":43425,"age":37,"inc":36090,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":4875,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":83000,"hmort":65000,"hequity":18000,"nifa":17800,"net_nifa":16800,"tfa":18300,"net_tfa":17300,"tfa_he":35300,"tw":53300,"age":41,"inc":48732,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":16800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2310,"hval":180000,"hmort":55000,"hequity":125000,"nifa":37000,"net_nifa":33000,"tfa":39310,"net_tfa":35310,"tfa_he":160310,"tw":169310,"age":49,"inc":57195,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":33000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2550,"net_nifa":-3450,"tfa":2550,"net_tfa":-3450,"tfa_he":-3450,"tw":16550,"age":35,"inc":91761,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":-3450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5327,"net_nifa":5327,"tfa":5327,"net_tfa":5327,"tfa_he":5327,"tw":114827,"age":42,"inc":31131,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":5327,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":200000,"hmort":150000,"hequity":50000,"nifa":3500,"net_nifa":-1500,"tfa":7000,"net_tfa":2000,"tfa_he":52000,"tw":55000,"age":44,"inc":96816,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":225000,"hmort":30000,"hequity":195000,"nifa":8000,"net_nifa":5000,"tfa":8900,"net_tfa":5900,"tfa_he":200900,"tw":202075,"age":43,"inc":42480,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2320,"hval":60000,"hmort":34000,"hequity":26000,"nifa":10700,"net_nifa":7700,"tfa":13020,"net_tfa":10020,"tfa_he":36020,"tw":37782,"age":35,"inc":33150,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":116,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-6710,"tfa":2316,"net_tfa":-6594,"tfa_he":-6594,"tw":-2944,"age":32,"inc":36012,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-6710,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13866,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-21270,"tfa":13896,"net_tfa":-7404,"tfa_he":-7404,"tw":-7404,"age":36,"inc":15306,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-21270,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":37,"hval":18888,"hmort":17000,"hequity":1888,"nifa":388,"net_nifa":388,"tfa":425,"net_tfa":425,"tfa_he":2313,"tw":9338,"age":47,"inc":16719,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":388,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":20500,"hequity":-500,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":-3500,"tw":-700,"age":41,"inc":25800,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":403,"hval":5000,"hmort":0,"hequity":5000,"nifa":350,"net_nifa":-6750,"tfa":753,"net_tfa":-6347,"tfa_he":-1347,"tw":4228,"age":36,"inc":17385,"fsize":3,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-6750,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2150,"a401":35000,"hval":98000,"hmort":64000,"hequity":34000,"nifa":600,"net_nifa":600,"tfa":37750,"net_tfa":37750,"tfa_he":71750,"tw":445100,"age":57,"inc":53004,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5199,"net_nifa":5199,"tfa":5199,"net_tfa":5199,"tfa_he":155199,"tw":155199,"age":46,"inc":90300,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":5199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":128000,"hequity":22000,"nifa":100,"net_nifa":-200,"tfa":100,"net_tfa":-200,"tfa_he":21800,"tw":22800,"age":37,"inc":19644,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":390,"hval":180000,"hmort":50000,"hequity":130000,"nifa":1000,"net_nifa":300,"tfa":1390,"net_tfa":690,"tfa_he":130690,"tw":130990,"age":49,"inc":27675,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5200,"a401":27500,"hval":75000,"hmort":50000,"hequity":25000,"nifa":64500,"net_nifa":64300,"tfa":97200,"net_tfa":97000,"tfa_he":122000,"tw":152000,"age":28,"inc":60033,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":69500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-11100,"tfa":2700,"net_tfa":-9300,"tfa_he":-9300,"tw":-1942,"age":43,"inc":21675,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-11100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":60000,"hval":70000,"hmort":39900,"hequity":30100,"nifa":6000,"net_nifa":-200,"tfa":66000,"net_tfa":59800,"tfa_he":89900,"tw":90400,"age":61,"inc":47100,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2100,"hval":66000,"hmort":44800,"hequity":21200,"nifa":11000,"net_nifa":11000,"tfa":13100,"net_tfa":13100,"tfa_he":34300,"tw":40700,"age":39,"inc":64359,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":500,"a401":10000,"hval":96000,"hmort":59200,"hequity":36800,"nifa":27800,"net_nifa":27800,"tfa":38300,"net_tfa":38300,"tfa_he":75100,"tw":78600,"age":31,"inc":62865,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":6000,"hmort":0,"hequity":6000,"nifa":0,"net_nifa":-4700,"tfa":5500,"net_tfa":800,"tfa_he":6800,"tw":7300,"age":25,"inc":18312,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-4700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":9015,"hval":0,"hmort":0,"hequity":0,"nifa":41679,"net_nifa":41679,"tfa":55694,"net_tfa":55694,"tfa_he":55694,"tw":60183,"age":58,"inc":44373,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":46679,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-5600,"tfa":500,"net_tfa":-5600,"tfa_he":-5600,"tw":-5100,"age":45,"inc":15300,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-5600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":28000,"hmort":16000,"hequity":12000,"nifa":1137,"net_nifa":-12863,"tfa":12137,"net_tfa":-1863,"tfa_he":10137,"tw":12937,"age":43,"inc":69693,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-12863,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":145000,"hmort":128000,"hequity":17000,"nifa":6000,"net_nifa":5000,"tfa":6300,"net_tfa":5300,"tfa_he":22300,"tw":54300,"age":32,"inc":135447,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":240,"hval":160000,"hmort":50000,"hequity":110000,"nifa":1000,"net_nifa":-15000,"tfa":1240,"net_tfa":-14760,"tfa_he":95240,"tw":205240,"age":39,"inc":42600,"fsize":3,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":9000,"hequity":13000,"nifa":650,"net_nifa":-5830,"tfa":650,"net_tfa":-5830,"tfa_he":7170,"tw":7170,"age":42,"inc":21156,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5830,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18200,"hval":75000,"hmort":50000,"hequity":25000,"nifa":12850,"net_nifa":12450,"tfa":31050,"net_tfa":30650,"tfa_he":55650,"tw":64650,"age":35,"inc":67767,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":12450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":70000,"hval":175000,"hmort":51000,"hequity":124000,"nifa":3182,"net_nifa":682,"tfa":73182,"net_tfa":70682,"tfa_he":194682,"tw":194682,"age":42,"inc":89520,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":682,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":200,"tfa":1500,"net_tfa":200,"tfa_he":200,"tw":1950,"age":31,"inc":39672,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":280,"net_tfa":280,"tfa_he":280,"tw":1230,"age":32,"inc":15579,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":85000,"hequity":55000,"nifa":46000,"net_nifa":45500,"tfa":46000,"net_tfa":45500,"tfa_he":100500,"tw":106500,"age":35,"inc":50400,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":45500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":32000,"hval":145000,"hmort":64000,"hequity":81000,"nifa":38920,"net_nifa":38920,"tfa":87920,"net_tfa":87920,"tfa_he":168920,"tw":175920,"age":38,"inc":35982,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":55920,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":202500,"hmort":150000,"hequity":52500,"nifa":250,"net_nifa":-1550,"tfa":250,"net_tfa":-1550,"tfa_he":50950,"tw":85904,"age":35,"inc":16371,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-1550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":42000,"hval":50000,"hmort":39500,"hequity":10500,"nifa":1000,"net_nifa":1000,"tfa":43000,"net_tfa":43000,"tfa_he":53500,"tw":53500,"age":38,"inc":11604,"fsize":4,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-16000,"tfa":0,"net_tfa":-16000,"tfa_he":-16000,"tw":-13800,"age":50,"inc":33690,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-16000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4012,"hval":70000,"hmort":40000,"hequity":30000,"nifa":17815,"net_nifa":11615,"tfa":21827,"net_tfa":15627,"tfa_he":45627,"tw":69627,"age":34,"inc":58881,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":11615,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3700,"hval":65000,"hmort":60000,"hequity":5000,"nifa":2000,"net_nifa":1400,"tfa":5700,"net_tfa":5100,"tfa_he":10100,"tw":10100,"age":28,"inc":54300,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":46000,"a401":104000,"hval":200000,"hmort":150000,"hequity":50000,"nifa":53700,"net_nifa":38700,"tfa":203700,"net_tfa":188700,"tfa_he":238700,"tw":238700,"age":55,"inc":87735,"fsize":2,"educ":1,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.7316,"net_n401":84700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":19000,"hval":6000,"hmort":0,"hequity":6000,"nifa":400,"net_nifa":-2500,"tfa":19400,"net_tfa":16500,"tfa_he":22500,"tw":23000,"age":55,"inc":13653,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5200,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":5250,"net_tfa":5250,"tfa_he":5250,"tw":5950,"age":30,"inc":26877,"fsize":1,"educ":8,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":47,"inc":10125,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":538,"net_nifa":538,"tfa":538,"net_tfa":538,"tfa_he":538,"tw":34138,"age":27,"inc":28704,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":538,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":83,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1200,"tfa":1583,"net_tfa":1283,"tfa_he":1283,"tw":6058,"age":34,"inc":20445,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20700,"a401":720,"hval":72000,"hmort":3500,"hequity":68500,"nifa":35,"net_nifa":-2215,"tfa":21455,"net_tfa":19205,"tfa_he":87705,"tw":110905,"age":55,"inc":37026,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":18485,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2000,"hval":35000,"hmort":0,"hequity":35000,"nifa":1000,"net_nifa":1000,"tfa":3000,"net_tfa":3000,"tfa_he":38000,"tw":40980,"age":48,"inc":36528,"fsize":6,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":92000,"hmort":38000,"hequity":54000,"nifa":3400,"net_nifa":3400,"tfa":3400,"net_tfa":3400,"tfa_he":57400,"tw":69400,"age":33,"inc":52659,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3800,"hval":59500,"hmort":59500,"hequity":0,"nifa":4449,"net_nifa":1949,"tfa":8249,"net_tfa":5749,"tfa_he":5749,"tw":5749,"age":42,"inc":57852,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7500,"hval":56000,"hmort":0,"hequity":56000,"nifa":2090,"net_nifa":-1260,"tfa":9590,"net_tfa":6240,"tfa_he":62240,"tw":65240,"age":43,"inc":20430,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1260,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1200,"tfa":1100,"net_tfa":-200,"tfa_he":-200,"tw":4750,"age":37,"inc":10203,"fsize":1,"educ":9,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-1200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":42800,"hval":0,"hmort":0,"hequity":0,"nifa":1510,"net_nifa":1510,"tfa":44310,"net_tfa":44310,"tfa_he":44310,"tw":44810,"age":53,"inc":16002,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1510,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":51,"inc":13005,"fsize":5,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":73000,"hmort":20200,"hequity":52800,"nifa":1000,"net_nifa":1000,"tfa":12000,"net_tfa":12000,"tfa_he":64800,"tw":68800,"age":50,"inc":25395,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":70000,"hequity":45000,"nifa":36999,"net_nifa":36199,"tfa":36999,"net_tfa":36199,"tfa_he":81199,"tw":102942,"age":45,"inc":30120,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":36199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2148,"hval":300000,"hmort":150000,"hequity":150000,"nifa":54800,"net_nifa":51800,"tfa":56948,"net_tfa":53948,"tfa_he":203948,"tw":325948,"age":43,"inc":65700,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":51800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":20000,"hval":125000,"hmort":0,"hequity":125000,"nifa":4600,"net_nifa":4600,"tfa":36600,"net_tfa":36600,"tfa_he":161600,"tw":171100,"age":61,"inc":29832,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":16600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":78000,"hmort":46000,"hequity":32000,"nifa":17499,"net_nifa":17199,"tfa":17499,"net_tfa":17199,"tfa_he":49199,"tw":86999,"age":50,"inc":48042,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":17199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2201,"a401":80000,"hval":125000,"hmort":0,"hequity":125000,"nifa":58143,"net_nifa":57428,"tfa":140344,"net_tfa":139629,"tfa_he":264629,"tw":264629,"age":54,"inc":102435,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":59629,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":33500,"a401":33500,"hval":300000,"hmort":145000,"hequity":155000,"nifa":51500,"net_nifa":51500,"tfa":118500,"net_tfa":118500,"tfa_he":273500,"tw":290500,"age":42,"inc":97494,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":85000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":44000,"hequity":25000,"nifa":34900,"net_nifa":34900,"tfa":34900,"net_tfa":34900,"tfa_he":59900,"tw":69906,"age":46,"inc":70374,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":34900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5837,"a401":0,"hval":40000,"hmort":4100,"hequity":35900,"nifa":19287,"net_nifa":19287,"tfa":25124,"net_tfa":25124,"tfa_he":61024,"tw":61024,"age":49,"inc":54492,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":25124,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":2500,"hmort":0,"hequity":2500,"nifa":1000,"net_nifa":1000,"tfa":7000,"net_tfa":7000,"tfa_he":9500,"tw":16000,"age":35,"inc":39327,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":99000,"hequity":21000,"nifa":5049,"net_nifa":3049,"tfa":5049,"net_tfa":3049,"tfa_he":24049,"tw":29529,"age":39,"inc":16614,"fsize":8,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":3049,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":41125,"hequity":108875,"nifa":1530,"net_nifa":1309,"tfa":1530,"net_tfa":1309,"tfa_he":110184,"tw":150184,"age":53,"inc":47919,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1309,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":25000,"hval":100000,"hmort":25000,"hequity":75000,"nifa":81500,"net_nifa":81300,"tfa":106500,"net_tfa":106300,"tfa_he":181300,"tw":181300,"age":44,"inc":72000,"fsize":8,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":81300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":35000,"hequity":10000,"nifa":10,"net_nifa":-4490,"tfa":10,"net_tfa":-4490,"tfa_he":5510,"tw":6643,"age":36,"inc":22749,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-4490,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":35000,"hval":155000,"hmort":0,"hequity":155000,"nifa":31049,"net_nifa":31049,"tfa":66049,"net_tfa":66049,"tfa_he":221049,"tw":223849,"age":52,"inc":42252,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":31049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7500,"hval":0,"hmort":0,"hequity":0,"nifa":1249,"net_nifa":-4251,"tfa":8749,"net_tfa":3249,"tfa_he":3249,"tw":6599,"age":45,"inc":50235,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-4251,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":35000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":40000,"net_tfa":40000,"tfa_he":40000,"tw":42500,"age":48,"inc":48276,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":43000,"tw":43000,"age":46,"inc":20400,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-4300,"tfa":18700,"net_tfa":13700,"tfa_he":13700,"tw":13700,"age":53,"inc":46824,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.34421,"net_n401":13700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":50000,"hmort":29000,"hequity":21000,"nifa":2918,"net_nifa":-482,"tfa":82918,"net_tfa":79518,"tfa_he":100518,"tw":106593,"age":39,"inc":34950,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-482,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3116,"hval":59000,"hmort":52000,"hequity":7000,"nifa":6000,"net_nifa":1000,"tfa":9116,"net_tfa":4116,"tfa_he":11116,"tw":11678,"age":31,"inc":57918,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9500,"hval":150000,"hmort":100000,"hequity":50000,"nifa":8000,"net_nifa":2000,"tfa":17500,"net_tfa":11500,"tfa_he":61500,"tw":61500,"age":31,"inc":76704,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2200,"hval":65000,"hmort":35000,"hequity":30000,"nifa":80,"net_nifa":-120,"tfa":2280,"net_tfa":2080,"tfa_he":32080,"tw":32080,"age":28,"inc":64137,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-120,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":885,"net_nifa":-13115,"tfa":885,"net_tfa":-13115,"tfa_he":-13115,"tw":-8715,"age":30,"inc":25533,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-13115,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":47000,"hequity":3000,"nifa":700,"net_nifa":-250,"tfa":700,"net_tfa":-250,"tfa_he":2750,"tw":2750,"age":40,"inc":35064,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":180,"hval":75000,"hmort":0,"hequity":75000,"nifa":500,"net_nifa":500,"tfa":680,"net_tfa":680,"tfa_he":75680,"tw":75680,"age":51,"inc":45015,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6500,"tfa":18500,"net_tfa":18500,"tfa_he":18500,"tw":21700,"age":42,"inc":24546,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1400,"hval":140000,"hmort":102000,"hequity":38000,"nifa":30898,"net_nifa":26398,"tfa":32298,"net_tfa":27798,"tfa_he":65798,"tw":74798,"age":50,"inc":34470,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":26398,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":912,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":119,"tfa":1661,"net_tfa":1031,"tfa_he":1031,"tw":4981,"age":25,"inc":10545,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":119,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-9550,"tfa":450,"net_tfa":-9250,"tfa_he":-9250,"tw":-8750,"age":39,"inc":19833,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-9550,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":130000,"hequity":95000,"nifa":25500,"net_nifa":18500,"tfa":25500,"net_tfa":18500,"tfa_he":113500,"tw":133500,"age":40,"inc":26910,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":18500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":1500,"tfa":3000,"net_tfa":1500,"tfa_he":1500,"tw":10596,"age":25,"inc":30960,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":34000,"hmort":33000,"hequity":1000,"nifa":500,"net_nifa":-8000,"tfa":500,"net_tfa":-8000,"tfa_he":-7000,"tw":6000,"age":33,"inc":35832,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":19800,"a401":32000,"hval":275000,"hmort":60000,"hequity":215000,"nifa":304000,"net_nifa":299500,"tfa":355800,"net_tfa":351300,"tfa_he":566300,"tw":573300,"age":51,"inc":77850,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":319300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1800,"hval":100000,"hmort":38900,"hequity":61100,"nifa":0,"net_nifa":-2800,"tfa":1800,"net_tfa":-1000,"tfa_he":60100,"tw":62600,"age":43,"inc":19104,"fsize":3,"educ":8,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-2800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":270,"tfa":5500,"net_tfa":5270,"tfa_he":5270,"tw":12680,"age":53,"inc":66000,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":270,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":55000,"hmort":0,"hequity":55000,"nifa":900,"net_nifa":-800,"tfa":3400,"net_tfa":1700,"tfa_he":56700,"tw":75700,"age":60,"inc":31275,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5200,"hval":48000,"hmort":32900,"hequity":15100,"nifa":2100,"net_nifa":1900,"tfa":7300,"net_tfa":7100,"tfa_he":22200,"tw":43200,"age":27,"inc":54996,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5555,"hmort":5000,"hequity":555,"nifa":13300,"net_nifa":13000,"tfa":13300,"net_tfa":13000,"tfa_he":13555,"tw":49891,"age":56,"inc":23880,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":11231,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":11730,"net_tfa":11730,"tfa_he":11730,"tw":12360,"age":43,"inc":35331,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":135000,"hmort":65000,"hequity":70000,"nifa":2400,"net_nifa":-4900,"tfa":3100,"net_tfa":-4200,"tfa_he":65800,"tw":67300,"age":30,"inc":40974,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":34010,"hmort":38000,"hequity":-3990,"nifa":44,"net_nifa":-2542,"tfa":44,"net_tfa":-2542,"tfa_he":-6532,"tw":-1532,"age":34,"inc":27213,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-2542,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":125,"hval":0,"hmort":0,"hequity":0,"nifa":18200,"net_nifa":18200,"tfa":18325,"net_tfa":18325,"tfa_he":18325,"tw":24750,"age":29,"inc":15870,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":18200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7800,"hval":120000,"hmort":81000,"hequity":39000,"nifa":15120,"net_nifa":14820,"tfa":22920,"net_tfa":22620,"tfa_he":61620,"tw":82173,"age":35,"inc":34758,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":14820,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":2500,"hval":65000,"hmort":57500,"hequity":7500,"nifa":24025,"net_nifa":23225,"tfa":31525,"net_tfa":30725,"tfa_he":38225,"tw":39191,"age":48,"inc":34701,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":28225,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":40,"inc":22560,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-4500,"tfa":500,"net_tfa":-4500,"tfa_he":-4500,"tw":-3000,"age":27,"inc":14430,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":75000,"hmort":48000,"hequity":27000,"nifa":80,"net_nifa":-920,"tfa":13080,"net_tfa":12080,"tfa_he":39080,"tw":42280,"age":36,"inc":27000,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-920,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":250,"hval":48000,"hmort":48000,"hequity":0,"nifa":300,"net_nifa":300,"tfa":3350,"net_tfa":3350,"tfa_he":3350,"tw":3350,"age":44,"inc":17991,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":3100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":7600,"hval":140000,"hmort":135000,"hequity":5000,"nifa":4500,"net_nifa":-6270,"tfa":25100,"net_tfa":14330,"tfa_he":19330,"tw":120330,"age":39,"inc":94860,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":6730,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":15000,"hequity":95000,"nifa":2000,"net_nifa":-800,"tfa":2000,"net_tfa":-800,"tfa_he":94200,"tw":94200,"age":32,"inc":60360,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":32000,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":104200,"net_nifa":104200,"tfa":136700,"net_tfa":136700,"tfa_he":136700,"tw":139700,"age":54,"inc":44052,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.34421,"net_n401":136200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7400,"hval":125000,"hmort":114300,"hequity":10700,"nifa":400,"net_nifa":-100,"tfa":7800,"net_tfa":7300,"tfa_he":18000,"tw":18000,"age":28,"inc":60270,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22500,"hval":120000,"hmort":61000,"hequity":59000,"nifa":11500,"net_nifa":-500,"tfa":34000,"net_tfa":22000,"tfa_he":81000,"tw":81000,"age":33,"inc":64296,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":114000,"hmort":89500,"hequity":24500,"nifa":4882,"net_nifa":2882,"tfa":4882,"net_tfa":2882,"tfa_he":27382,"tw":37382,"age":40,"inc":36174,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2882,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":900,"net_tfa":900,"tfa_he":30900,"tw":31400,"age":39,"inc":9600,"fsize":3,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.35361,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5260,"hval":87000,"hmort":87000,"hequity":0,"nifa":6248,"net_nifa":5448,"tfa":11508,"net_tfa":10708,"tfa_he":10708,"tw":20708,"age":29,"inc":73650,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5448,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":4000,"hval":125000,"hmort":25000,"hequity":100000,"nifa":1400,"net_nifa":-8600,"tfa":15400,"net_tfa":5400,"tfa_he":105400,"tw":111400,"age":60,"inc":50622,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":60000,"a401":7000,"hval":225000,"hmort":131000,"hequity":94000,"nifa":40257,"net_nifa":40257,"tfa":107257,"net_tfa":107257,"tfa_he":201257,"tw":204257,"age":44,"inc":102189,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":100257,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-4850,"tfa":3800,"net_tfa":-1350,"tfa_he":-1350,"tw":1450,"age":31,"inc":30198,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-4850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":21599,"net_nifa":21599,"tfa":22599,"net_tfa":22599,"tfa_he":22599,"tw":30944,"age":29,"inc":26064,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":21599,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":20,"tfa":320,"net_tfa":320,"tfa_he":320,"tw":320,"age":55,"inc":7650,"fsize":1,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":20,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":7000,"hval":100000,"hmort":76000,"hequity":24000,"nifa":6000,"net_nifa":4800,"tfa":13000,"net_tfa":11800,"tfa_he":35800,"tw":38300,"age":33,"inc":32361,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":4800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":100,"a401":0,"hval":85000,"hmort":70000,"hequity":15000,"nifa":1000,"net_nifa":-1800,"tfa":1100,"net_tfa":-1700,"tfa_he":13300,"tw":13300,"age":31,"inc":58809,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":55000,"a401":10000,"hval":55300,"hmort":0,"hequity":55300,"nifa":13000,"net_nifa":12875,"tfa":78000,"net_tfa":77875,"tfa_he":133175,"tw":165975,"age":58,"inc":66987,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":67875,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":26500,"hval":160000,"hmort":65000,"hequity":95000,"nifa":4700,"net_nifa":3600,"tfa":31200,"net_tfa":30100,"tfa_he":125100,"tw":137100,"age":52,"inc":42540,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":28,"hval":85000,"hmort":75000,"hequity":10000,"nifa":8,"net_nifa":-767,"tfa":36,"net_tfa":-739,"tfa_he":9261,"tw":9261,"age":33,"inc":8415,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-767,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":28500,"hval":89000,"hmort":74000,"hequity":15000,"nifa":1400,"net_nifa":900,"tfa":29900,"net_tfa":29400,"tfa_he":44400,"tw":50900,"age":45,"inc":56304,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2800,"a401":45000,"hval":160000,"hmort":15000,"hequity":145000,"nifa":205999,"net_nifa":205199,"tfa":253799,"net_tfa":252999,"tfa_he":397999,"tw":406349,"age":60,"inc":24114,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":207999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":12050,"hval":225000,"hmort":54000,"hequity":171000,"nifa":3000,"net_nifa":3000,"tfa":15050,"net_tfa":15050,"tfa_he":186050,"tw":186050,"age":56,"inc":15882,"fsize":2,"educ":3,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":80000,"hval":130000,"hmort":90000,"hequity":40000,"nifa":3150,"net_nifa":-9850,"tfa":83150,"net_tfa":70150,"tfa_he":110150,"tw":110650,"age":43,"inc":54585,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-9850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":84900,"hequity":8100,"nifa":20689,"net_nifa":19689,"tfa":20689,"net_tfa":19689,"tfa_he":27789,"tw":35789,"age":30,"inc":64944,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":19689,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":150,"hval":118000,"hmort":65000,"hequity":53000,"nifa":4109,"net_nifa":3409,"tfa":4259,"net_tfa":3559,"tfa_he":56559,"tw":60109,"age":39,"inc":34596,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":3409,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":81000,"hequity":64000,"nifa":100,"net_nifa":-3900,"tfa":100,"net_tfa":-3900,"tfa_he":60100,"tw":69100,"age":43,"inc":18246,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-3900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":0,"hequity":135000,"nifa":41900,"net_nifa":40900,"tfa":41900,"net_tfa":40900,"tfa_he":175900,"tw":175900,"age":42,"inc":49596,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":40900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1954,"net_nifa":454,"tfa":2454,"net_tfa":954,"tfa_he":40954,"tw":51504,"age":57,"inc":23079,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":454,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":21000,"a401":0,"hval":200000,"hmort":25000,"hequity":175000,"nifa":301000,"net_nifa":301000,"tfa":322000,"net_tfa":322000,"tfa_he":497000,"tw":562679,"age":62,"inc":64545,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":322000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2600,"a401":1482,"hval":43000,"hmort":41000,"hequity":2000,"nifa":1958,"net_nifa":-1942,"tfa":6040,"net_tfa":2140,"tfa_he":4140,"tw":9440,"age":35,"inc":32244,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":658,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":120000,"hmort":86057,"hequity":33943,"nifa":5500,"net_nifa":5000,"tfa":9500,"net_tfa":9000,"tfa_he":42943,"tw":46745,"age":43,"inc":69138,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":100000,"hmort":83000,"hequity":17000,"nifa":700,"net_nifa":168,"tfa":5200,"net_tfa":4668,"tfa_he":21668,"tw":23668,"age":30,"inc":54015,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":168,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":42000,"hequity":13000,"nifa":18100,"net_nifa":16350,"tfa":18100,"net_tfa":16350,"tfa_he":29350,"tw":30350,"age":42,"inc":26580,"fsize":5,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":16350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":93250,"hval":125000,"hmort":69600,"hequity":55400,"nifa":134,"net_nifa":-866,"tfa":93384,"net_tfa":92384,"tfa_he":147784,"tw":189784,"age":46,"inc":58659,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-866,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15000,"hval":225000,"hmort":96000,"hequity":129000,"nifa":900,"net_nifa":-10130,"tfa":15900,"net_tfa":4870,"tfa_he":133870,"tw":133870,"age":37,"inc":48594,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-10130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":48000,"hequity":17000,"nifa":4500,"net_nifa":3500,"tfa":4500,"net_tfa":3500,"tfa_he":20500,"tw":38750,"age":41,"inc":40050,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":4595,"net_nifa":3695,"tfa":4595,"net_tfa":3695,"tfa_he":93695,"tw":106695,"age":54,"inc":50859,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":3695,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":90000,"hmort":48000,"hequity":42000,"nifa":2300,"net_nifa":700,"tfa":6300,"net_tfa":4700,"tfa_he":46700,"tw":49700,"age":49,"inc":65136,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":30000,"hmort":0,"hequity":30000,"nifa":10249,"net_nifa":10249,"tfa":60249,"net_tfa":60249,"tfa_he":90249,"tw":101074,"age":60,"inc":20796,"fsize":2,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":10249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19000,"a401":75000,"hval":115000,"hmort":80000,"hequity":35000,"nifa":1007024,"net_nifa":1004624,"tfa":1101024,"net_tfa":1098624,"tfa_he":1133624,"tw":1150677,"age":37,"inc":55263,"fsize":3,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":1023624,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":115000,"hmort":90000,"hequity":25000,"nifa":905000,"net_nifa":903000,"tfa":985000,"net_tfa":983000,"tfa_he":1008000,"tw":1008000,"age":47,"inc":179100,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":903000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":-1301,"tfa":2199,"net_tfa":-101,"tfa_he":-101,"tw":2399,"age":38,"inc":57219,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-1301,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":133200,"net_nifa":131700,"tfa":173200,"net_tfa":171700,"tfa_he":321700,"tw":326700,"age":35,"inc":73800,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":131700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":85000,"hmort":68000,"hequity":17000,"nifa":5000,"net_nifa":4750,"tfa":10000,"net_tfa":9750,"tfa_he":26750,"tw":58750,"age":40,"inc":74022,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":4750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":0,"hmort":0,"hequity":0,"nifa":16697,"net_nifa":14897,"tfa":17397,"net_tfa":15597,"tfa_he":15597,"tw":36797,"age":38,"inc":51048,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":14897,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1400,"hval":45000,"hmort":35000,"hequity":10000,"nifa":5300,"net_nifa":-100,"tfa":6700,"net_tfa":1300,"tfa_he":11300,"tw":23300,"age":34,"inc":38940,"fsize":4,"educ":15,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":200000,"hmort":109338,"hequity":90662,"nifa":1120,"net_nifa":920,"tfa":1820,"net_tfa":1620,"tfa_he":92282,"tw":92282,"age":43,"inc":26214,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":920,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":50000,"hval":135000,"hmort":70000,"hequity":65000,"nifa":76000,"net_nifa":75700,"tfa":131000,"net_tfa":130700,"tfa_he":195700,"tw":229900,"age":47,"inc":85968,"fsize":3,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":80700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":26,"inc":14985,"fsize":8,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":58000,"hval":85000,"hmort":77000,"hequity":8000,"nifa":599,"net_nifa":-4461,"tfa":58599,"net_tfa":53539,"tfa_he":61539,"tw":71539,"age":36,"inc":35136,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-4461,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5000,"tfa":5000,"net_tfa":0,"tfa_he":0,"tw":1625,"age":30,"inc":21384,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":57000,"hequity":23000,"nifa":103998,"net_nifa":96498,"tfa":103998,"net_tfa":96498,"tfa_he":119498,"tw":120498,"age":40,"inc":86292,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":96498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":33500,"hval":77000,"hmort":0,"hequity":77000,"nifa":34500,"net_nifa":32400,"tfa":97000,"net_tfa":94900,"tfa_he":171900,"tw":171900,"age":52,"inc":69726,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":61400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":55000,"hmort":35000,"hequity":20000,"nifa":16000,"net_nifa":15850,"tfa":19000,"net_tfa":18850,"tfa_he":38850,"tw":52275,"age":38,"inc":38664,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":15850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":3500,"net_nifa":3500,"tfa":3500,"net_tfa":3500,"tfa_he":53500,"tw":57411,"age":60,"inc":29784,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":23200,"a401":3600,"hval":55000,"hmort":48000,"hequity":7000,"nifa":16100,"net_nifa":13250,"tfa":42900,"net_tfa":40050,"tfa_he":47050,"tw":47050,"age":32,"inc":47691,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":36450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30700,"a401":50600,"hval":120000,"hmort":80000,"hequity":40000,"nifa":51119,"net_nifa":50544,"tfa":132419,"net_tfa":131844,"tfa_he":171844,"tw":171844,"age":32,"inc":39882,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":81244,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25884,"net_nifa":24980,"tfa":35884,"net_tfa":34980,"tfa_he":34980,"tw":34980,"age":45,"inc":96945,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":34980,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":60,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-352,"tfa":60,"net_tfa":-292,"tfa_he":-292,"tw":6708,"age":27,"inc":17400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-352,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":200000,"hmort":118000,"hequity":82000,"nifa":65100,"net_nifa":58400,"tfa":66100,"net_tfa":59400,"tfa_he":141400,"tw":141400,"age":38,"inc":29220,"fsize":3,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":58400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":25000,"hequity":10000,"nifa":3000,"net_nifa":2500,"tfa":3000,"net_tfa":2500,"tfa_he":12500,"tw":22500,"age":39,"inc":57330,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34500,"a401":19000,"hval":50000,"hmort":0,"hequity":50000,"nifa":29699,"net_nifa":29699,"tfa":83199,"net_tfa":83199,"tfa_he":133199,"tw":220199,"age":60,"inc":25542,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.37883,"net_n401":64199,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":20000,"a401":5000,"hval":210000,"hmort":100000,"hequity":110000,"nifa":14500,"net_nifa":-2700,"tfa":39500,"net_tfa":22300,"tfa_he":132300,"tw":133800,"age":62,"inc":23514,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":17300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4150,"tfa":0,"net_tfa":-4150,"tfa_he":-4150,"tw":-4150,"age":28,"inc":48162,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-4150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":28500,"hequity":11500,"nifa":29200,"net_nifa":26700,"tfa":29200,"net_tfa":26700,"tfa_he":38200,"tw":54200,"age":38,"inc":71346,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":26700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":28000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":19471,"net_nifa":19471,"tfa":55471,"net_tfa":55471,"tfa_he":205471,"tw":205471,"age":41,"inc":104169,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":27471,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":50000,"hval":300000,"hmort":90000,"hequity":210000,"nifa":6000,"net_nifa":4600,"tfa":66000,"net_tfa":64600,"tfa_he":274600,"tw":328625,"age":49,"inc":54315,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":14600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":15200,"hval":63000,"hmort":63000,"hequity":0,"nifa":8048,"net_nifa":-5952,"tfa":28248,"net_tfa":14248,"tfa_he":14248,"tw":18748,"age":43,"inc":80490,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-952,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":100000,"net_nifa":100000,"tfa":102300,"net_tfa":102300,"tfa_he":102300,"tw":157300,"age":45,"inc":42174,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":100000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":170000,"hmort":118000,"hequity":52000,"nifa":37749,"net_nifa":22349,"tfa":117749,"net_tfa":102349,"tfa_he":154349,"tw":162349,"age":55,"inc":93756,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":22349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":826,"a401":650,"hval":40000,"hmort":32000,"hequity":8000,"nifa":600,"net_nifa":-1600,"tfa":2076,"net_tfa":-124,"tfa_he":7876,"tw":23376,"age":45,"inc":41292,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":-774,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5800,"hval":103900,"hmort":92000,"hequity":11900,"nifa":2115,"net_nifa":-5035,"tfa":7915,"net_tfa":765,"tfa_he":12665,"tw":20415,"age":30,"inc":57834,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-5035,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":8500,"net_nifa":4800,"tfa":8500,"net_tfa":4800,"tfa_he":99800,"tw":102300,"age":54,"inc":29310,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":4800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19165,"a401":832,"hval":0,"hmort":0,"hequity":0,"nifa":46950,"net_nifa":46950,"tfa":66947,"net_tfa":66947,"tfa_he":66947,"tw":68697,"age":46,"inc":52248,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.3108,"net_n401":66115,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5509,"a401":0,"hval":120000,"hmort":96000,"hequity":24000,"nifa":1700,"net_nifa":-4300,"tfa":7209,"net_tfa":1209,"tfa_he":25209,"tw":32059,"age":31,"inc":31017,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":1209,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8800,"a401":100,"hval":60000,"hmort":54000,"hequity":6000,"nifa":8672,"net_nifa":8272,"tfa":17572,"net_tfa":17172,"tfa_he":23172,"tw":32172,"age":33,"inc":64926,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":17072,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":11199,"net_nifa":2429,"tfa":12199,"net_tfa":3429,"tfa_he":3429,"tw":3429,"age":28,"inc":29739,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":2429,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-2800,"tfa":5250,"net_tfa":2200,"tfa_he":2200,"tw":4533,"age":29,"inc":29235,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-2800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":40000,"hmort":36000,"hequity":4000,"nifa":705,"net_nifa":705,"tfa":1905,"net_tfa":1905,"tfa_he":5905,"tw":25905,"age":51,"inc":44292,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":34000,"a401":50000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":100549,"net_nifa":100549,"tfa":184549,"net_tfa":184549,"tfa_he":334549,"tw":334549,"age":39,"inc":128793,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":134549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":250000,"hmort":127000,"hequity":123000,"nifa":18100,"net_nifa":16100,"tfa":24100,"net_tfa":22100,"tfa_he":145100,"tw":149100,"age":42,"inc":77706,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":16100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1329,"net_nifa":-38171,"tfa":1329,"net_tfa":-38171,"tfa_he":-38171,"tw":-27071,"age":26,"inc":47730,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-38171,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3500,"a401":834,"hval":30000,"hmort":22500,"hequity":7500,"nifa":600,"net_nifa":-1475,"tfa":4934,"net_tfa":2859,"tfa_he":10359,"tw":14359,"age":35,"inc":27600,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2025,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-220,"tfa":3000,"net_tfa":2780,"tfa_he":2780,"tw":2780,"age":27,"inc":17850,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-220,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":200000,"hmort":133000,"hequity":67000,"nifa":2000,"net_nifa":-8000,"tfa":32000,"net_tfa":22000,"tfa_he":89000,"tw":90000,"age":35,"inc":64500,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":-8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":102000,"hmort":96500,"hequity":5500,"nifa":1000,"net_nifa":-6100,"tfa":1500,"net_tfa":-5600,"tfa_he":-100,"tw":4900,"age":26,"inc":44094,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-6100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":30000,"fsize":1,"educ":14,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2700,"hval":0,"hmort":0,"hequity":0,"nifa":175,"net_nifa":-2825,"tfa":2875,"net_tfa":-125,"tfa_he":-125,"tw":2041,"age":25,"inc":20169,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2825,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":58000,"hequity":12000,"nifa":1250,"net_nifa":-3750,"tfa":1250,"net_tfa":-3750,"tfa_he":8250,"tw":8250,"age":42,"inc":28845,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":-3750,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":12575,"age":58,"inc":10200,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":30000,"hval":152500,"hmort":142000,"hequity":10500,"nifa":2000,"net_nifa":-14000,"tfa":32000,"net_tfa":16000,"tfa_he":26500,"tw":34500,"age":43,"inc":56670,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":60000,"hmort":60000,"hequity":0,"nifa":2100,"net_nifa":2100,"tfa":5600,"net_tfa":5600,"tfa_he":5600,"tw":5600,"age":39,"inc":61986,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":58000,"hmort":41900,"hequity":16100,"nifa":5000,"net_nifa":4900,"tfa":27000,"net_tfa":26900,"tfa_he":43000,"tw":46350,"age":44,"inc":27891,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":4900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":1214,"net_nifa":-1786,"tfa":5214,"net_tfa":2214,"tfa_he":2214,"tw":2214,"age":28,"inc":45621,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-1786,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":249,"tfa":3749,"net_tfa":3749,"tfa_he":3749,"tw":3749,"age":27,"inc":25689,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2062,"net_n401":749,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":70000,"hmort":62500,"hequity":7500,"nifa":7249,"net_nifa":1761,"tfa":9249,"net_tfa":3761,"tfa_he":11261,"tw":11536,"age":51,"inc":17496,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":1761,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3600,"a401":80000,"hval":98000,"hmort":56000,"hequity":42000,"nifa":5170,"net_nifa":-7015,"tfa":88770,"net_tfa":76585,"tfa_he":118585,"tw":129805,"age":43,"inc":74439,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":-3415,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13500,"a401":42000,"hval":0,"hmort":0,"hequity":0,"nifa":16798,"net_nifa":12408,"tfa":72298,"net_tfa":67908,"tfa_he":67908,"tw":67908,"age":40,"inc":44778,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71252,"net_n401":25908,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":13000,"hval":190000,"hmort":80000,"hequity":110000,"nifa":7749,"net_nifa":7299,"tfa":36749,"net_tfa":36299,"tfa_he":146299,"tw":146299,"age":44,"inc":59826,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":20400,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":16000,"hval":126000,"hmort":88000,"hequity":38000,"nifa":35400,"net_nifa":27500,"tfa":73400,"net_tfa":65500,"tfa_he":103500,"tw":135500,"age":54,"inc":51990,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":49500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1530,"net_nifa":-3670,"tfa":1530,"net_tfa":-3670,"tfa_he":-3670,"tw":4009,"age":25,"inc":16878,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":-3670,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3400,"a401":9000,"hval":159000,"hmort":36500,"hequity":122500,"nifa":3500,"net_nifa":1000,"tfa":15900,"net_tfa":13400,"tfa_he":135900,"tw":198900,"age":46,"inc":40830,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1350,"net_nifa":-11950,"tfa":4350,"net_tfa":-8950,"tfa_he":-8950,"tw":-8950,"age":29,"inc":29997,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-11950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10800,"a401":0,"hval":85000,"hmort":0,"hequity":85000,"nifa":7499,"net_nifa":6469,"tfa":18299,"net_tfa":17269,"tfa_he":102269,"tw":187269,"age":47,"inc":37962,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":17269,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":34000,"a401":37000,"hval":255000,"hmort":150000,"hequity":105000,"nifa":9000,"net_nifa":3800,"tfa":80000,"net_tfa":74800,"tfa_he":179800,"tw":179800,"age":40,"inc":84687,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":900,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":662,"net_nifa":-11338,"tfa":2562,"net_tfa":-9438,"tfa_he":-9438,"tw":-6563,"age":33,"inc":23415,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":-10438,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":-2400,"tfa":2600,"net_tfa":-2400,"tfa_he":-2400,"tw":81600,"age":35,"inc":39360,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":6999,"net_tfa":6999,"tfa_he":6999,"tw":34999,"age":47,"inc":42147,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":4999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":53000,"hmort":48000,"hequity":5000,"nifa":3150,"net_nifa":3150,"tfa":3150,"net_tfa":3150,"tfa_he":8150,"tw":17203,"age":31,"inc":24390,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":3150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":950,"a401":390,"hval":66000,"hmort":65000,"hequity":1000,"nifa":500,"net_nifa":-3890,"tfa":1840,"net_tfa":-2550,"tfa_he":-1550,"tw":-1050,"age":37,"inc":35070,"fsize":5,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":-2940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":85000,"hmort":75000,"hequity":10000,"nifa":999,"net_nifa":999,"tfa":10999,"net_tfa":10999,"tfa_he":20999,"tw":22999,"age":39,"inc":27615,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":20000,"hmort":10500,"hequity":9500,"nifa":1200,"net_nifa":950,"tfa":3200,"net_tfa":2950,"tfa_he":12450,"tw":27079,"age":60,"inc":23325,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":32250,"hmort":32250,"hequity":0,"nifa":2863,"net_nifa":-387,"tfa":2863,"net_tfa":-387,"tfa_he":-387,"tw":8313,"age":47,"inc":36906,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-387,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":12000,"hequity":63000,"nifa":3456,"net_nifa":3006,"tfa":3456,"net_tfa":3006,"tfa_he":66006,"tw":66006,"age":49,"inc":53649,"fsize":3,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3006,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":2500,"hval":169000,"hmort":139000,"hequity":30000,"nifa":18598,"net_nifa":9098,"tfa":29098,"net_tfa":19598,"tfa_he":49598,"tw":175598,"age":42,"inc":37236,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":17098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":48000,"hmort":25000,"hequity":23000,"nifa":0,"net_nifa":0,"tfa":4000,"net_tfa":4000,"tfa_he":27000,"tw":37679,"age":49,"inc":23319,"fsize":5,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19000,"a401":15000,"hval":200000,"hmort":65000,"hequity":135000,"nifa":145000,"net_nifa":143000,"tfa":179000,"net_tfa":177000,"tfa_he":312000,"tw":342000,"age":44,"inc":133596,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":162000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":112000,"hmort":85000,"hequity":27000,"nifa":4249,"net_nifa":4149,"tfa":4249,"net_tfa":4149,"tfa_he":31149,"tw":32349,"age":38,"inc":48327,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":4149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":80000,"hval":130000,"hmort":70000,"hequity":60000,"nifa":24000,"net_nifa":23000,"tfa":129000,"net_tfa":128000,"tfa_he":188000,"tw":188000,"age":45,"inc":79485,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":48000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":131000,"net_nifa":123000,"tfa":133000,"net_tfa":125000,"tfa_he":125000,"tw":221553,"age":54,"inc":29040,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":123000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25000,"a401":80000,"hval":200000,"hmort":122000,"hequity":78000,"nifa":93010,"net_nifa":77010,"tfa":198010,"net_tfa":182010,"tfa_he":260010,"tw":310385,"age":41,"inc":74532,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":102010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":23450,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":21000,"net_nifa":20914,"tfa":44450,"net_tfa":44364,"tfa_he":219364,"tw":219364,"age":48,"inc":34275,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":44364,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":120000,"hmort":42000,"hequity":78000,"nifa":13349,"net_nifa":2349,"tfa":19349,"net_tfa":8349,"tfa_he":86349,"tw":100749,"age":40,"inc":54594,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":9750,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":9750,"net_tfa":9750,"tfa_he":9750,"tw":9750,"age":31,"inc":12000,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":200,"hval":200000,"hmort":114000,"hequity":86000,"nifa":25274,"net_nifa":16674,"tfa":35474,"net_tfa":26874,"tfa_he":112874,"tw":114474,"age":32,"inc":112500,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":26674,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":35459,"net_nifa":35459,"tfa":47459,"net_tfa":47459,"tfa_he":47459,"tw":47959,"age":51,"inc":33585,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":47459,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":46000,"a401":2900,"hval":150000,"hmort":0,"hequity":150000,"nifa":60900,"net_nifa":60900,"tfa":109800,"net_tfa":109800,"tfa_he":259800,"tw":259800,"age":37,"inc":67512,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":106900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":40000,"hmort":18000,"hequity":22000,"nifa":1812,"net_nifa":-3188,"tfa":7312,"net_tfa":2312,"tfa_he":24312,"tw":24312,"age":60,"inc":14181,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-3188,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":13000,"hval":300000,"hmort":34000,"hequity":266000,"nifa":262000,"net_nifa":262000,"tfa":290000,"net_tfa":290000,"tfa_he":556000,"tw":676000,"age":61,"inc":79872,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":277000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":700,"tfa":5700,"net_tfa":3700,"tfa_he":3700,"tw":8875,"age":35,"inc":44205,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":3700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5700,"a401":10000,"hval":130000,"hmort":75000,"hequity":55000,"nifa":3000,"net_nifa":-9300,"tfa":18700,"net_tfa":6400,"tfa_he":61400,"tw":65700,"age":38,"inc":82995,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-8500,"tfa":7500,"net_tfa":-2500,"tfa_he":-2500,"tw":0,"age":31,"inc":26925,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-8500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":26400,"hval":215000,"hmort":145000,"hequity":70000,"nifa":7050,"net_nifa":5750,"tfa":40450,"net_tfa":39150,"tfa_he":109150,"tw":182150,"age":44,"inc":81000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":12750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":205000,"hmort":150000,"hequity":55000,"nifa":40000,"net_nifa":40000,"tfa":62000,"net_tfa":62000,"tfa_he":117000,"tw":117000,"age":33,"inc":100296,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":62000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":12450,"hval":0,"hmort":0,"hequity":0,"nifa":20700,"net_nifa":20700,"tfa":46150,"net_tfa":46150,"tfa_he":46150,"tw":46150,"age":32,"inc":46500,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":33700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":0,"hmort":0,"hequity":0,"nifa":2360,"net_nifa":1860,"tfa":3260,"net_tfa":2760,"tfa_he":2760,"tw":6110,"age":42,"inc":25257,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":1860,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5260,"hval":120000,"hmort":85000,"hequity":35000,"nifa":7799,"net_nifa":7799,"tfa":13059,"net_tfa":13059,"tfa_he":48059,"tw":59655,"age":29,"inc":43047,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":7799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":43500,"hequity":16500,"nifa":4480,"net_nifa":-3520,"tfa":4480,"net_tfa":-3520,"tfa_he":12980,"tw":19980,"age":36,"inc":54768,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3520,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2600,"a401":28000,"hval":65000,"hmort":59200,"hequity":5800,"nifa":10200,"net_nifa":8200,"tfa":40800,"net_tfa":38800,"tfa_he":44600,"tw":64200,"age":47,"inc":45870,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":10800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":31075,"hval":190000,"hmort":140000,"hequity":50000,"nifa":12200,"net_nifa":10400,"tfa":54275,"net_tfa":52475,"tfa_he":102475,"tw":102475,"age":44,"inc":68352,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":21400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8438,"tfa":1000,"net_tfa":-7438,"tfa_he":-7438,"tw":-5938,"age":36,"inc":1962,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":-8438,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8500,"hval":75000,"hmort":58500,"hequity":16500,"nifa":4000,"net_nifa":1750,"tfa":12500,"net_tfa":10250,"tfa_he":26750,"tw":34750,"age":27,"inc":53340,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":120000,"hmort":95500,"hequity":24500,"nifa":0,"net_nifa":-13100,"tfa":9000,"net_tfa":-4100,"tfa_he":20400,"tw":22733,"age":38,"inc":45600,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":-13100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":180,"hval":80000,"hmort":62000,"hequity":18000,"nifa":1700,"net_nifa":-700,"tfa":1880,"net_tfa":-520,"tfa_he":17480,"tw":17480,"age":31,"inc":25080,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":64500,"net_nifa":62700,"tfa":94500,"net_tfa":92700,"tfa_he":242700,"tw":243200,"age":46,"inc":53775,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":62700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":500,"hval":70000,"hmort":58000,"hequity":12000,"nifa":0,"net_nifa":-1500,"tfa":500,"net_tfa":-1000,"tfa_he":11000,"tw":16075,"age":35,"inc":41886,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":35000,"hval":150000,"hmort":80000,"hequity":70000,"nifa":57010,"net_nifa":57010,"tfa":101010,"net_tfa":101010,"tfa_he":171010,"tw":251010,"age":46,"inc":75600,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":66010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":20000,"net_nifa":16000,"tfa":20000,"net_tfa":16000,"tfa_he":46000,"tw":46000,"age":60,"inc":0,"fsize":6,"educ":4,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.06231,"net_n401":16000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":9000,"hval":110000,"hmort":57000,"hequity":53000,"nifa":6500,"net_nifa":4600,"tfa":15500,"net_tfa":13600,"tfa_he":66600,"tw":66600,"age":37,"inc":41994,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":23190,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10447,"net_nifa":10447,"tfa":33637,"net_tfa":33637,"tfa_he":33637,"tw":105137,"age":37,"inc":37476,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":33637,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9223,"net_nifa":9223,"tfa":9223,"net_tfa":9223,"tfa_he":9223,"tw":10723,"age":56,"inc":27276,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":9223,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":300,"hval":16000,"hmort":0,"hequity":16000,"nifa":21000,"net_nifa":17050,"tfa":21300,"net_tfa":17350,"tfa_he":33350,"tw":133350,"age":30,"inc":30036,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":17050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4120,"a401":20000,"hval":275000,"hmort":135000,"hequity":140000,"nifa":18400,"net_nifa":17900,"tfa":67520,"net_tfa":67020,"tfa_he":207020,"tw":371020,"age":45,"inc":74100,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":22020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":25000,"hequity":40000,"nifa":9700,"net_nifa":7700,"tfa":9700,"net_tfa":7700,"tfa_he":47700,"tw":107700,"age":59,"inc":45270,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":10798,"net_nifa":9298,"tfa":10798,"net_tfa":9298,"tfa_he":67298,"tw":72973,"age":30,"inc":14643,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":9298,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":40000,"hmort":0,"hequity":40000,"nifa":31000,"net_nifa":31000,"tfa":36000,"net_tfa":36000,"tfa_he":76000,"tw":78500,"age":56,"inc":25143,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":31000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":300,"hval":55000,"hmort":39000,"hequity":16000,"nifa":6959,"net_nifa":5959,"tfa":7259,"net_tfa":6259,"tfa_he":22259,"tw":22259,"age":37,"inc":36531,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5959,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21000,"a401":80000,"hval":175000,"hmort":16500,"hequity":158500,"nifa":54312,"net_nifa":54312,"tfa":155312,"net_tfa":155312,"tfa_he":313812,"tw":313812,"age":60,"inc":90390,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":75312,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15,"hval":72000,"hmort":54900,"hequity":17100,"nifa":12399,"net_nifa":12399,"tfa":12414,"net_tfa":12414,"tfa_he":29514,"tw":29514,"age":36,"inc":59112,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":12399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":100000,"hmort":100000,"hequity":0,"nifa":24100,"net_nifa":24100,"tfa":25600,"net_tfa":25600,"tfa_he":25600,"tw":25600,"age":32,"inc":57363,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":24100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":11000,"hval":40000,"hmort":12000,"hequity":28000,"nifa":22600,"net_nifa":22600,"tfa":63600,"net_tfa":63600,"tfa_he":91600,"tw":97600,"age":60,"inc":57678,"fsize":2,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":52600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13000,"a401":0,"hval":200000,"hmort":75000,"hequity":125000,"nifa":61289,"net_nifa":61289,"tfa":74289,"net_tfa":74289,"tfa_he":199289,"tw":199289,"age":36,"inc":85689,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":74289,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":13094,"net_nifa":-1456,"tfa":13094,"net_tfa":-1456,"tfa_he":73544,"tw":75544,"age":28,"inc":57360,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-1456,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":38000,"hmort":33000,"hequity":5000,"nifa":400,"net_nifa":-7400,"tfa":4400,"net_tfa":-3400,"tfa_he":1600,"tw":1600,"age":54,"inc":22287,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-7400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":925,"a401":7800,"hval":80000,"hmort":75000,"hequity":5000,"nifa":2544,"net_nifa":1941,"tfa":11269,"net_tfa":10666,"tfa_he":15666,"tw":15666,"age":38,"inc":42597,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":2866,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":600,"hval":190000,"hmort":55000,"hequity":135000,"nifa":7500,"net_nifa":-500,"tfa":10100,"net_tfa":2100,"tfa_he":137100,"tw":353100,"age":55,"inc":116199,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9300,"a401":50000,"hval":155000,"hmort":45000,"hequity":110000,"nifa":2449,"net_nifa":2449,"tfa":61749,"net_tfa":61749,"tfa_he":171749,"tw":180055,"age":51,"inc":22902,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":11749,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":100000,"hmort":66000,"hequity":34000,"nifa":180030,"net_nifa":179830,"tfa":182030,"net_tfa":181830,"tfa_he":215830,"tw":230830,"age":38,"inc":65676,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":179830,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":80093,"age":40,"inc":16374,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":9050,"net_nifa":6650,"tfa":10050,"net_tfa":7650,"tfa_he":7650,"tw":14546,"age":27,"inc":28458,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":6650,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":406,"hequity":1594,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":1594,"tw":2444,"age":31,"inc":21600,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":550,"a401":0,"hval":43000,"hmort":0,"hequity":43000,"nifa":217,"net_nifa":-1672,"tfa":767,"net_tfa":-1122,"tfa_he":41878,"tw":44403,"age":42,"inc":32439,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":-1122,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15,"net_nifa":15,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":15,"age":49,"inc":24450,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":15,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":60,"hval":70000,"hmort":0,"hequity":70000,"nifa":0,"net_nifa":-4553,"tfa":60,"net_tfa":-4493,"tfa_he":65507,"tw":67307,"age":27,"inc":29916,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-4553,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":34800,"a401":16000,"hval":170000,"hmort":147150,"hequity":22850,"nifa":95926,"net_nifa":93626,"tfa":146726,"net_tfa":144426,"tfa_he":167276,"tw":367276,"age":45,"inc":138441,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":128426,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":15000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":20000,"tw":70000,"age":63,"inc":19380,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":55000,"hmort":0,"hequity":55000,"nifa":80000,"net_nifa":80000,"tfa":130000,"net_tfa":130000,"tfa_he":185000,"tw":192300,"age":62,"inc":27240,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":80000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2800,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":2050,"net_nifa":1850,"tfa":10850,"net_tfa":10650,"tfa_he":10650,"tw":10650,"age":28,"inc":44976,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71252,"net_n401":4650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":1500,"hval":69000,"hmort":23500,"hequity":45500,"nifa":749,"net_nifa":-6051,"tfa":4249,"net_tfa":-2551,"tfa_he":42949,"tw":57311,"age":46,"inc":54045,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":-4051,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":8500,"tfa":9000,"net_tfa":8500,"tfa_he":8500,"tw":11550,"age":36,"inc":36180,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":8500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":3100,"net_nifa":2850,"tfa":8100,"net_tfa":7850,"tfa_he":7850,"tw":7850,"age":35,"inc":28710,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4800,"a401":9000,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-300,"tfa":16000,"net_tfa":13500,"tfa_he":13500,"tw":24000,"age":42,"inc":66210,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.55004,"net_n401":4500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2600,"a401":25000,"hval":160000,"hmort":48000,"hequity":112000,"nifa":46050,"net_nifa":45050,"tfa":73650,"net_tfa":72650,"tfa_he":184650,"tw":202150,"age":45,"inc":67425,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":47650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":10000,"hequity":50000,"nifa":7580,"net_nifa":7580,"tfa":7580,"net_tfa":7580,"tfa_he":57580,"tw":62105,"age":49,"inc":19167,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":7580,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":60000,"hmort":34000,"hequity":26000,"nifa":1990,"net_nifa":1490,"tfa":3990,"net_tfa":3490,"tfa_he":29490,"tw":32065,"age":37,"inc":26895,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":1490,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":130000,"hmort":57000,"hequity":73000,"nifa":48007,"net_nifa":42507,"tfa":52007,"net_tfa":46507,"tfa_he":119507,"tw":179507,"age":26,"inc":44535,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":42507,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":4500,"hval":185000,"hmort":0,"hequity":185000,"nifa":65597,"net_nifa":65597,"tfa":120097,"net_tfa":120097,"tfa_he":305097,"tw":385097,"age":55,"inc":40641,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":115597,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-2000,"tfa":1000,"net_tfa":-2000,"tfa_he":-2000,"tw":-1300,"age":29,"inc":36618,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4304,"hval":35000,"hmort":17000,"hequity":18000,"nifa":3265,"net_nifa":2982,"tfa":7569,"net_tfa":7286,"tfa_he":25286,"tw":38186,"age":53,"inc":40125,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2982,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":14000,"hval":0,"hmort":0,"hequity":0,"nifa":7974,"net_nifa":-63376,"tfa":21974,"net_tfa":-49376,"tfa_he":-49376,"tw":-34876,"age":37,"inc":33606,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-63376,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":53500,"hmort":41000,"hequity":12500,"nifa":2300,"net_nifa":1500,"tfa":3300,"net_tfa":2500,"tfa_he":15000,"tw":15000,"age":32,"inc":36348,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":55000,"hequity":8000,"nifa":2930,"net_nifa":-3070,"tfa":2930,"net_tfa":-3070,"tfa_he":4930,"tw":5880,"age":43,"inc":15444,"fsize":7,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.40413,"net_n401":-3070,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":785,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":785,"net_tfa":785,"tfa_he":785,"tw":785,"age":43,"inc":26298,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":1000,"net_nifa":660,"tfa":1000,"net_tfa":660,"tfa_he":10660,"tw":12201,"age":30,"inc":21582,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":660,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2500,"net_tfa":2500,"tfa_he":2500,"tw":8000,"age":25,"inc":11649,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7200,"hval":250000,"hmort":135000,"hequity":115000,"nifa":11050,"net_nifa":10900,"tfa":18250,"net_tfa":18100,"tfa_he":133100,"tw":133100,"age":29,"inc":53685,"fsize":7,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":10900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2550,"net_nifa":-8100,"tfa":2550,"net_tfa":-8100,"tfa_he":-8100,"tw":-3481,"age":30,"inc":35064,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-8100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":65000,"hmort":39000,"hequity":26000,"nifa":1218,"net_nifa":-5582,"tfa":19218,"net_tfa":12418,"tfa_he":38418,"tw":43418,"age":64,"inc":29850,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-5582,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15000,"hval":200000,"hmort":150000,"hequity":50000,"nifa":525,"net_nifa":-13675,"tfa":15525,"net_tfa":1325,"tfa_he":51325,"tw":67125,"age":39,"inc":54480,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-13675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":-1600,"tw":13400,"age":45,"inc":46812,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7500,"hval":100000,"hmort":86000,"hequity":14000,"nifa":10450,"net_nifa":10450,"tfa":17950,"net_tfa":17950,"tfa_he":31950,"tw":31950,"age":41,"inc":77457,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":10450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-825,"tfa":625,"net_tfa":-225,"tfa_he":-225,"tw":-225,"age":29,"inc":21420,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-825,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":13060,"a401":5100,"hval":150000,"hmort":77000,"hequity":73000,"nifa":8255,"net_nifa":155,"tfa":26415,"net_tfa":18315,"tfa_he":91315,"tw":112815,"age":43,"inc":66033,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":13215,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":37000,"hmort":17000,"hequity":20000,"nifa":625,"net_nifa":-575,"tfa":2625,"net_tfa":1425,"tfa_he":21425,"tw":27021,"age":33,"inc":16860,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-575,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":225000,"hmort":150000,"hequity":75000,"nifa":609,"net_nifa":-2491,"tfa":7609,"net_tfa":4509,"tfa_he":79509,"tw":79509,"age":45,"inc":70668,"fsize":6,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2491,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10410,"net_nifa":10410,"tfa":10410,"net_tfa":10410,"tfa_he":10410,"tw":12335,"age":33,"inc":26943,"fsize":2,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":10410,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":101000,"hmort":101000,"hequity":0,"nifa":2600,"net_nifa":-5400,"tfa":20600,"net_tfa":12600,"tfa_he":12600,"tw":23433,"age":39,"inc":31530,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":170000,"hmort":130000,"hequity":40000,"nifa":4650,"net_nifa":2150,"tfa":14650,"net_tfa":12150,"tfa_he":52150,"tw":57650,"age":32,"inc":43620,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":178500,"hmort":150000,"hequity":28500,"nifa":5500,"net_nifa":-5450,"tfa":5500,"net_tfa":-5450,"tfa_he":23050,"tw":54250,"age":26,"inc":57519,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6273,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":11900,"tfa":24273,"net_tfa":23173,"tfa_he":23173,"tw":1338173,"age":48,"inc":126396,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.48881,"net_n401":18173,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":134,"hval":0,"hmort":0,"hequity":0,"nifa":526,"net_nifa":-14094,"tfa":660,"net_tfa":-13960,"tfa_he":-13960,"tw":-13960,"age":27,"inc":22050,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-14094,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14100,"a401":80000,"hval":72000,"hmort":60000,"hequity":12000,"nifa":30500,"net_nifa":30500,"tfa":124600,"net_tfa":124600,"tfa_he":136600,"tw":213600,"age":53,"inc":73278,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":44600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":15000,"hequity":15000,"nifa":22550,"net_nifa":22050,"tfa":22550,"net_tfa":22050,"tfa_he":37050,"tw":41729,"age":37,"inc":30504,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":22050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":37580,"hval":69000,"hmort":56000,"hequity":13000,"nifa":5204,"net_nifa":3004,"tfa":47784,"net_tfa":45584,"tfa_he":58584,"tw":91502,"age":40,"inc":50646,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":8004,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":265000,"hmort":142000,"hequity":123000,"nifa":6110,"net_nifa":6110,"tfa":6110,"net_tfa":6110,"tfa_he":129110,"tw":130610,"age":52,"inc":66000,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":6110,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":54000,"hmort":35000,"hequity":19000,"nifa":22000,"net_nifa":18000,"tfa":22000,"net_tfa":18000,"tfa_he":37000,"tw":40500,"age":52,"inc":44250,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":30000,"hequity":10000,"nifa":9499,"net_nifa":8799,"tfa":9499,"net_tfa":8799,"tfa_he":18799,"tw":218799,"age":36,"inc":65097,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":8799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":5500,"net_tfa":5500,"tfa_he":5500,"tw":21638,"age":26,"inc":42150,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":0,"net_tfa":-7000,"tfa_he":-7000,"tw":-7000,"age":33,"inc":11349,"fsize":4,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-7000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":71000,"hmort":33500,"hequity":37500,"nifa":33500,"net_nifa":33500,"tfa":33500,"net_tfa":33500,"tfa_he":71000,"tw":71000,"age":34,"inc":80694,"fsize":3,"educ":10,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.56794,"net_n401":33500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5800,"hval":130000,"hmort":96000,"hequity":34000,"nifa":8000,"net_nifa":111,"tfa":13800,"net_tfa":5911,"tfa_he":39911,"tw":39911,"age":30,"inc":24150,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":111,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":80000,"a401":10000,"hval":195000,"hmort":25000,"hequity":170000,"nifa":125600,"net_nifa":125600,"tfa":215600,"net_tfa":215600,"tfa_he":385600,"tw":386600,"age":53,"inc":111282,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":205600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":24000,"hval":55000,"hmort":48000,"hequity":7000,"nifa":875,"net_nifa":-1882,"tfa":24875,"net_tfa":22118,"tfa_he":29118,"tw":40118,"age":30,"inc":38457,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-1882,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":93000,"hmort":93000,"hequity":0,"nifa":3799,"net_nifa":2299,"tfa":13799,"net_tfa":12299,"tfa_he":12299,"tw":16149,"age":47,"inc":68553,"fsize":2,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":2299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":23000,"hval":74000,"hmort":53000,"hequity":21000,"nifa":16100,"net_nifa":14100,"tfa":39100,"net_tfa":37100,"tfa_he":58100,"tw":64275,"age":38,"inc":27060,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":14100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":39,"inc":10899,"fsize":3,"educ":6,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-500,"tfa":25000,"net_tfa":24500,"tfa_he":24500,"tw":24500,"age":53,"inc":60741,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":425,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-1990,"tfa":435,"net_tfa":-1565,"tfa_he":-1565,"tw":-1565,"age":32,"inc":41724,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":-1990,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":81000,"hval":115000,"hmort":36000,"hequity":79000,"nifa":121000,"net_nifa":121000,"tfa":242000,"net_tfa":242000,"tfa_he":321000,"tw":321000,"age":47,"inc":100530,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":161000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":106000,"hmort":51000,"hequity":55000,"nifa":7749,"net_nifa":-1301,"tfa":11749,"net_tfa":2699,"tfa_he":57699,"tw":62699,"age":43,"inc":39255,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1301,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":60000,"hmort":45000,"hequity":15000,"nifa":6348,"net_nifa":6348,"tfa":15348,"net_tfa":15348,"tfa_he":30348,"tw":53348,"age":56,"inc":23415,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":15348,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":3000,"hval":150000,"hmort":139900,"hequity":10100,"nifa":5499,"net_nifa":-20701,"tfa":12499,"net_tfa":-13701,"tfa_he":-3601,"tw":-3601,"age":34,"inc":82488,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":-16701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":20000,"hequity":30000,"nifa":499,"net_nifa":-1,"tfa":499,"net_tfa":-1,"tfa_he":29999,"tw":29999,"age":41,"inc":27786,"fsize":3,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":-1,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-16978,"tfa":16000,"net_tfa":-3978,"tfa_he":-3978,"tw":-3978,"age":29,"inc":32244,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-16978,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7700,"net_nifa":5700,"tfa":7700,"net_tfa":5700,"tfa_he":5700,"tw":7650,"age":36,"inc":24750,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":5700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6392,"a401":19200,"hval":128700,"hmort":128700,"hequity":0,"nifa":9000,"net_nifa":7400,"tfa":34592,"net_tfa":32992,"tfa_he":32992,"tw":77992,"age":40,"inc":80664,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":13792,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5300,"a401":37000,"hval":80000,"hmort":33000,"hequity":47000,"nifa":2200,"net_nifa":-1800,"tfa":44500,"net_tfa":40500,"tfa_he":87500,"tw":132084,"age":61,"inc":74091,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":164000,"hmort":150000,"hequity":14000,"nifa":349,"net_nifa":-851,"tfa":349,"net_tfa":-851,"tfa_he":13149,"tw":19349,"age":40,"inc":33615,"fsize":4,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-851,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10500,"a401":30000,"hval":240000,"hmort":150000,"hequity":90000,"nifa":127000,"net_nifa":112000,"tfa":167500,"net_tfa":152500,"tfa_he":242500,"tw":257500,"age":48,"inc":121173,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":122500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":600,"hval":25000,"hmort":0,"hequity":25000,"nifa":7000,"net_nifa":7000,"tfa":42600,"net_tfa":42600,"tfa_he":67600,"tw":68600,"age":50,"inc":25452,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":42000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-9875,"tfa":4025,"net_tfa":-5875,"tfa_he":-5875,"tw":-1625,"age":31,"inc":18216,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-9875,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7595,"hval":55000,"hmort":36500,"hequity":18500,"nifa":32591,"net_nifa":28550,"tfa":40186,"net_tfa":36145,"tfa_he":54645,"tw":64329,"age":35,"inc":36882,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":28550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-3074,"tfa":1000,"net_tfa":-3074,"tfa_he":-3074,"tw":-3074,"age":44,"inc":12774,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-3074,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":24500,"net_nifa":24335,"tfa":24500,"net_tfa":24335,"tfa_he":64335,"tw":76335,"age":44,"inc":33852,"fsize":5,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":24335,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2775,"a401":3757,"hval":90000,"hmort":58800,"hequity":31200,"nifa":23826,"net_nifa":17550,"tfa":30358,"net_tfa":24082,"tfa_he":55282,"tw":58632,"age":45,"inc":34095,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":20325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10500,"hval":100000,"hmort":75000,"hequity":25000,"nifa":82202,"net_nifa":52676,"tfa":92702,"net_tfa":63176,"tfa_he":88176,"tw":114176,"age":37,"inc":69264,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":52676,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4560,"hval":0,"hmort":0,"hequity":0,"nifa":655,"net_nifa":340,"tfa":5215,"net_tfa":4900,"tfa_he":4900,"tw":7566,"age":29,"inc":18315,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":340,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":65000,"hequity":65000,"nifa":11000,"net_nifa":11000,"tfa":11000,"net_tfa":11000,"tfa_he":76000,"tw":86000,"age":38,"inc":60225,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4760,"a401":14200,"hval":0,"hmort":0,"hequity":0,"nifa":5930,"net_nifa":1430,"tfa":24890,"net_tfa":20390,"tfa_he":20390,"tw":20390,"age":28,"inc":69615,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":6190,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":9000,"hval":85000,"hmort":0,"hequity":85000,"nifa":110548,"net_nifa":110248,"tfa":159548,"net_tfa":159248,"tfa_he":244248,"tw":247248,"age":55,"inc":53910,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":150248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-2800,"tfa":200,"net_tfa":-2800,"tfa_he":-2800,"tw":-2300,"age":34,"inc":12960,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7500,"hval":210000,"hmort":150000,"hequity":60000,"nifa":23200,"net_nifa":20700,"tfa":30700,"net_tfa":28200,"tfa_he":88200,"tw":92700,"age":32,"inc":100296,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":20700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":0,"hmort":0,"hequity":0,"nifa":9500,"net_nifa":9000,"tfa":24500,"net_tfa":24000,"tfa_he":24000,"tw":30275,"age":29,"inc":60600,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":9000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":35434,"a401":0,"hval":100000,"hmort":8000,"hequity":92000,"nifa":15250,"net_nifa":13250,"tfa":50684,"net_tfa":48684,"tfa_he":140684,"tw":140684,"age":59,"inc":39609,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":48684,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":25300,"hval":110000,"hmort":65000,"hequity":45000,"nifa":3449,"net_nifa":-10551,"tfa":30749,"net_tfa":16749,"tfa_he":61749,"tw":157249,"age":46,"inc":61044,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":-8551,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":305,"net_nifa":-695,"tfa":305,"net_tfa":-695,"tfa_he":-695,"tw":9880,"age":39,"inc":31608,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-695,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":10600,"hval":130000,"hmort":40000,"hequity":90000,"nifa":14247,"net_nifa":13647,"tfa":28847,"net_tfa":28247,"tfa_he":118247,"tw":118247,"age":54,"inc":40767,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":17647,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2700,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":2850,"net_nifa":-15150,"tfa":5550,"net_tfa":-12450,"tfa_he":137550,"tw":427550,"age":38,"inc":98850,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-12450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":987,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":3487,"net_tfa":3487,"tfa_he":3487,"tw":4387,"age":38,"inc":18012,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":1400,"hval":0,"hmort":0,"hequity":0,"nifa":526,"net_nifa":-774,"tfa":5926,"net_tfa":4626,"tfa_he":4626,"tw":6701,"age":39,"inc":12444,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":3226,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":65000,"hmort":65000,"hequity":0,"nifa":0,"net_nifa":-2880,"tfa":400,"net_tfa":-2480,"tfa_he":-2480,"tw":-2480,"age":31,"inc":32271,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":30000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":35000,"net_nifa":30000,"tfa":77000,"net_tfa":72000,"tfa_he":222000,"tw":222000,"age":38,"inc":102396,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":42000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":0,"hequity":25000,"nifa":250,"net_nifa":-1000,"tfa":250,"net_tfa":-1000,"tfa_he":24000,"tw":24000,"age":43,"inc":29544,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10089,"a401":5000,"hval":130000,"hmort":52000,"hequity":78000,"nifa":43598,"net_nifa":43527,"tfa":58687,"net_tfa":58616,"tfa_he":136616,"tw":256616,"age":59,"inc":29619,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":53616,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":60000,"hequity":0,"nifa":249,"net_nifa":249,"tfa":249,"net_tfa":249,"tfa_he":249,"tw":249,"age":42,"inc":21639,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":7447,"net_nifa":6847,"tfa":11447,"net_tfa":10847,"tfa_he":10847,"tw":10847,"age":30,"inc":35046,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":6847,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2800,"hval":195000,"hmort":85000,"hequity":110000,"nifa":2000,"net_nifa":420,"tfa":4800,"net_tfa":3220,"tfa_he":113220,"tw":123899,"age":51,"inc":43824,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":33000,"a401":50000,"hval":90000,"hmort":0,"hequity":90000,"nifa":40365,"net_nifa":40365,"tfa":123365,"net_tfa":123365,"tfa_he":213365,"tw":213365,"age":56,"inc":42417,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":73365,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":60000,"hmort":60000,"hequity":0,"nifa":20050,"net_nifa":20050,"tfa":70050,"net_tfa":70050,"tfa_he":70050,"tw":70050,"age":45,"inc":23640,"fsize":3,"educ":9,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":20050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":36000,"hmort":23500,"hequity":12500,"nifa":849,"net_nifa":849,"tfa":20849,"net_tfa":20849,"tfa_he":33349,"tw":40249,"age":45,"inc":54708,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":80000,"hval":60000,"hmort":0,"hequity":60000,"nifa":20699,"net_nifa":19699,"tfa":118699,"net_tfa":117699,"tfa_he":177699,"tw":177699,"age":50,"inc":107802,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":37699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":-16200,"tfa":2300,"net_tfa":-16200,"tfa_he":-16200,"tw":-15120,"age":29,"inc":17880,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.12833,"net_n401":-16200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1400,"hval":40000,"hmort":38000,"hequity":2000,"nifa":3208,"net_nifa":-672,"tfa":4608,"net_tfa":728,"tfa_he":2728,"tw":11028,"age":39,"inc":28614,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-672,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":76000,"hmort":44000,"hequity":32000,"nifa":4900,"net_nifa":2900,"tfa":17900,"net_tfa":15900,"tfa_he":47900,"tw":54900,"age":28,"inc":41460,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":300000,"hmort":126000,"hequity":174000,"nifa":906,"net_nifa":-24094,"tfa":80906,"net_tfa":55906,"tfa_he":229906,"tw":229906,"age":51,"inc":69873,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-24094,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6500,"hval":136000,"hmort":66500,"hequity":69500,"nifa":18150,"net_nifa":17950,"tfa":24650,"net_tfa":24450,"tfa_he":93950,"tw":93950,"age":42,"inc":35733,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":17950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":80,"net_nifa":-6420,"tfa":5080,"net_tfa":-1420,"tfa_he":-1420,"tw":1246,"age":54,"inc":38304,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-6420,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2800,"a401":11000,"hval":100000,"hmort":94000,"hequity":6000,"nifa":40000,"net_nifa":40000,"tfa":53800,"net_tfa":53800,"tfa_he":59800,"tw":59800,"age":45,"inc":61800,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":42800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":6222,"hval":200000,"hmort":128000,"hequity":72000,"nifa":7499,"net_nifa":7349,"tfa":16721,"net_tfa":16571,"tfa_he":88571,"tw":138250,"age":51,"inc":25950,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":10349,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4500,"a401":4500,"hval":0,"hmort":0,"hequity":0,"nifa":4600,"net_nifa":940,"tfa":13600,"net_tfa":9940,"tfa_he":9940,"tw":15940,"age":28,"inc":41517,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71252,"net_n401":5440,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":62000,"hmort":32500,"hequity":29500,"nifa":25,"net_nifa":-4175,"tfa":525,"net_tfa":-3675,"tfa_he":25825,"tw":29025,"age":46,"inc":44553,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-4175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":90000,"hmort":30000,"hequity":60000,"nifa":3600,"net_nifa":300,"tfa":53600,"net_tfa":50300,"tfa_he":110300,"tw":110300,"age":51,"inc":54510,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":21000,"hval":1000,"hmort":0,"hequity":1000,"nifa":36568,"net_nifa":31568,"tfa":57568,"net_tfa":52568,"tfa_he":53568,"tw":57185,"age":38,"inc":26268,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":31568,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":15000,"hequity":5000,"nifa":1198,"net_nifa":1198,"tfa":1198,"net_tfa":1198,"tfa_he":6198,"tw":14771,"age":53,"inc":29772,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1198,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":572,"net_nifa":-128,"tfa":4572,"net_tfa":3872,"tfa_he":3872,"tw":3872,"age":54,"inc":26301,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-128,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":1963,"hval":175000,"hmort":150000,"hequity":25000,"nifa":36000,"net_nifa":31000,"tfa":49963,"net_tfa":44963,"tfa_he":69963,"tw":82163,"age":37,"inc":38772,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":43000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13866,"hval":75000,"hmort":0,"hequity":75000,"nifa":2379,"net_nifa":-26,"tfa":16245,"net_tfa":13840,"tfa_he":88840,"tw":96246,"age":39,"inc":64797,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-26,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":35000,"hmort":0,"hequity":35000,"nifa":6,"net_nifa":6,"tfa":2006,"net_tfa":2006,"tfa_he":37006,"tw":37506,"age":59,"inc":8454,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.03663,"net_n401":6,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":480,"net_nifa":-21130,"tfa":480,"net_tfa":-21130,"tfa_he":-21130,"tw":-19538,"age":33,"inc":45300,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-21130,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4335,"a401":13372,"hval":0,"hmort":0,"hequity":0,"nifa":13250,"net_nifa":13250,"tfa":30957,"net_tfa":30957,"tfa_he":30957,"tw":41132,"age":27,"inc":92898,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":17585,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":0,"hequity":58000,"nifa":13000,"net_nifa":12700,"tfa":13000,"net_tfa":12700,"tfa_he":70700,"tw":71200,"age":57,"inc":26940,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":12700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":70000,"hmort":62000,"hequity":8000,"nifa":28313,"net_nifa":28313,"tfa":33313,"net_tfa":33313,"tfa_he":41313,"tw":96163,"age":44,"inc":35520,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":28313,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":72,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":272,"net_tfa":272,"tfa_he":272,"tw":2072,"age":27,"inc":31068,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":175000,"hmort":150000,"hequity":25000,"nifa":4000,"net_nifa":-12500,"tfa":6000,"net_tfa":-10500,"tfa_he":14500,"tw":14500,"age":31,"inc":129621,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-12500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7200,"net_nifa":6800,"tfa":7200,"net_tfa":6800,"tfa_he":6800,"tw":14800,"age":45,"inc":43680,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":6800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1400,"tfa":0,"net_tfa":-1400,"tfa_he":-1400,"tw":-1400,"age":33,"inc":35700,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":175000,"hmort":66000,"hequity":109000,"nifa":2043,"net_nifa":2043,"tfa":6043,"net_tfa":6043,"tfa_he":115043,"tw":115043,"age":40,"inc":44736,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2043,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":1000,"tfa":3300,"net_tfa":1300,"tfa_he":1300,"tw":9300,"age":26,"inc":38145,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":12500,"hmort":7300,"hequity":5200,"nifa":5949,"net_nifa":5269,"tfa":5949,"net_tfa":5269,"tfa_he":10469,"tw":16344,"age":49,"inc":29013,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":5269,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":1700,"hval":148000,"hmort":92000,"hequity":56000,"nifa":400,"net_nifa":-7600,"tfa":32100,"net_tfa":24100,"tfa_he":80100,"tw":80100,"age":37,"inc":32865,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":22400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3800,"a401":20000,"hval":45000,"hmort":45000,"hequity":0,"nifa":5699,"net_nifa":699,"tfa":29499,"net_tfa":24499,"tfa_he":24499,"tw":24499,"age":46,"inc":30396,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":1487,"net_nifa":1487,"tfa":9687,"net_tfa":9687,"tfa_he":9687,"tw":11112,"age":42,"inc":27948,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":9487,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-6000,"tfa":100,"net_tfa":-6000,"tfa_he":-6000,"tw":-5300,"age":39,"inc":25647,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-6000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":24000,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":-1,"tfa":25999,"net_tfa":23999,"tfa_he":23999,"tw":32999,"age":40,"inc":87030,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.45726,"net_n401":-1,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2850,"tfa":50,"net_tfa":-2850,"tfa_he":-2850,"tw":-2850,"age":36,"inc":16590,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-2850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":40000,"hmort":36000,"hequity":4000,"nifa":500,"net_nifa":-600,"tfa":1700,"net_tfa":600,"tfa_he":4600,"tw":4600,"age":37,"inc":30408,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5405,"hval":45000,"hmort":20000,"hequity":25000,"nifa":4700,"net_nifa":4669,"tfa":10105,"net_tfa":10074,"tfa_he":35074,"tw":35074,"age":50,"inc":63846,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":4669,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":875,"net_nifa":700,"tfa":875,"net_tfa":700,"tfa_he":700,"tw":700,"age":48,"inc":31404,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":0,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":5000,"tw":5300,"age":35,"inc":14805,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5800,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-16730,"tfa":6700,"net_tfa":-10930,"tfa_he":-10930,"tw":-930,"age":29,"inc":57393,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-16730,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":8100,"net_nifa":5600,"tfa":20100,"net_tfa":17600,"tfa_he":167600,"tw":177600,"age":38,"inc":99645,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":10000,"hval":110000,"hmort":0,"hequity":110000,"nifa":5749,"net_nifa":5749,"tfa":35749,"net_tfa":35749,"tfa_he":145749,"tw":145749,"age":63,"inc":51975,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.71309,"net_n401":25749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":320,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-10000,"tfa":420,"net_tfa":-9680,"tfa_he":-9680,"tw":6416,"age":28,"inc":15450,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-10000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":44000,"hequity":56000,"nifa":400,"net_nifa":-1100,"tfa":400,"net_tfa":-1100,"tfa_he":54900,"tw":57400,"age":54,"inc":19539,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-1100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":48000,"a401":37000,"hval":300000,"hmort":120000,"hequity":180000,"nifa":15500,"net_nifa":14300,"tfa":100500,"net_tfa":99300,"tfa_he":279300,"tw":282300,"age":41,"inc":84759,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":62300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":300,"a401":300,"hval":35000,"hmort":0,"hequity":35000,"nifa":4999,"net_nifa":4999,"tfa":5599,"net_tfa":5599,"tfa_he":40599,"tw":64179,"age":57,"inc":13692,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":5299,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5500,"hval":54000,"hmort":54000,"hequity":0,"nifa":13,"net_nifa":13,"tfa":5513,"net_tfa":5513,"tfa_he":5513,"tw":5513,"age":33,"inc":29325,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":13,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10200,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-6229,"tfa":10600,"net_tfa":3971,"tfa_he":3971,"tw":10971,"age":31,"inc":34710,"fsize":4,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":3971,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":48000,"hmort":23000,"hequity":25000,"nifa":11999,"net_nifa":11999,"tfa":13999,"net_tfa":13999,"tfa_he":38999,"tw":43999,"age":31,"inc":40200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":11999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":144000,"hval":190000,"hmort":97500,"hequity":92500,"nifa":303198,"net_nifa":300198,"tfa":487198,"net_tfa":484198,"tfa_he":576698,"tw":576698,"age":49,"inc":169200,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":340198,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":47000,"hval":40700,"hmort":24012,"hequity":16688,"nifa":24600,"net_nifa":24600,"tfa":71600,"net_tfa":71600,"tfa_he":88288,"tw":91338,"age":56,"inc":34002,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":24600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1400,"hval":54000,"hmort":38800,"hequity":15200,"nifa":2150,"net_nifa":-4050,"tfa":3550,"net_tfa":-2650,"tfa_he":12550,"tw":17550,"age":25,"inc":42804,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-4050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":40000,"a401":10000,"hval":300000,"hmort":25000,"hequity":275000,"nifa":77000,"net_nifa":72000,"tfa":127000,"net_tfa":122000,"tfa_he":397000,"tw":397000,"age":49,"inc":192990,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":112000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":25000,"hmort":19500,"hequity":5500,"nifa":635,"net_nifa":-4265,"tfa":2135,"net_tfa":-2765,"tfa_he":2735,"tw":6235,"age":48,"inc":30846,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-4265,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":7975,"age":44,"inc":24996,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":1400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":90000,"hmort":30000,"hequity":60000,"nifa":2000,"net_nifa":-800,"tfa":12000,"net_tfa":9200,"tfa_he":69200,"tw":69200,"age":35,"inc":42036,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":70000,"hmort":0,"hequity":70000,"nifa":9349,"net_nifa":9349,"tfa":21349,"net_tfa":21349,"tfa_he":91349,"tw":159349,"age":54,"inc":53184,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":9349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3500,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-3500,"tfa":5000,"net_tfa":0,"tfa_he":0,"tw":0,"age":31,"inc":28830,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-3500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":65000,"hequity":55000,"nifa":1040,"net_nifa":-1960,"tfa":1040,"net_tfa":-1960,"tfa_he":53040,"tw":59040,"age":38,"inc":49560,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-1960,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":80000,"hval":85000,"hmort":47500,"hequity":37500,"nifa":51548,"net_nifa":51548,"tfa":151548,"net_tfa":151548,"tfa_he":189048,"tw":588048,"age":56,"inc":55167,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":71548,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":20000,"a401":0,"hval":200000,"hmort":140500,"hequity":59500,"nifa":3000,"net_nifa":-10900,"tfa":23000,"net_tfa":9100,"tfa_he":68600,"tw":186600,"age":51,"inc":80265,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.43735,"net_n401":9100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":20000,"hval":285000,"hmort":18000,"hequity":267000,"nifa":60000,"net_nifa":60000,"tfa":95300,"net_tfa":95300,"tfa_he":362300,"tw":369425,"age":56,"inc":79404,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":75000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4370,"hval":70000,"hmort":56500,"hequity":13500,"nifa":38600,"net_nifa":36600,"tfa":42970,"net_tfa":40970,"tfa_he":54470,"tw":54670,"age":42,"inc":62889,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":36600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-5300,"tfa":200,"net_tfa":-5300,"tfa_he":-5300,"tw":-1550,"age":42,"inc":21612,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-5300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":180,"hval":56000,"hmort":26000,"hequity":30000,"nifa":25500,"net_nifa":24500,"tfa":25680,"net_tfa":24680,"tfa_he":54680,"tw":117180,"age":43,"inc":33150,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":24500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":70000,"a401":110000,"hval":100000,"hmort":30000,"hequity":70000,"nifa":266000,"net_nifa":265500,"tfa":446000,"net_tfa":445500,"tfa_he":515500,"tw":717500,"age":62,"inc":135072,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":335500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":85000,"hmort":80000,"hequity":5000,"nifa":8200,"net_nifa":2200,"tfa":12200,"net_tfa":6200,"tfa_he":11200,"tw":18200,"age":34,"inc":53100,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":2200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":85000,"hmort":82000,"hequity":3000,"nifa":18000,"net_nifa":18000,"tfa":27000,"net_tfa":27000,"tfa_he":30000,"tw":49000,"age":29,"inc":78417,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":27000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":75000,"hmort":60000,"hequity":15000,"nifa":599,"net_nifa":99,"tfa":1799,"net_tfa":1299,"tfa_he":16299,"tw":26299,"age":42,"inc":51798,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13300,"hval":70000,"hmort":31000,"hequity":39000,"nifa":1610,"net_nifa":1610,"tfa":14910,"net_tfa":14910,"tfa_he":53910,"tw":53910,"age":31,"inc":48588,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":1610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":36100,"hequity":23900,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":22300,"tw":23300,"age":54,"inc":13362,"fsize":1,"educ":10,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.36232,"net_n401":-1600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9500,"net_nifa":9500,"tfa":9500,"net_tfa":9500,"tfa_he":9500,"tw":22600,"age":43,"inc":36420,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":9500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3500,"tfa":2000,"net_tfa":-1500,"tfa_he":-1500,"tw":-1500,"age":42,"inc":16200,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-3500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":850,"hval":40000,"hmort":0,"hequity":40000,"nifa":39999,"net_nifa":27419,"tfa":40849,"net_tfa":28269,"tfa_he":68269,"tw":69269,"age":40,"inc":12600,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":27419,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-6500,"tfa":200,"net_tfa":-6500,"tfa_he":-6500,"tw":-1725,"age":31,"inc":32580,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-6500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4300,"a401":0,"hval":60000,"hmort":37000,"hequity":23000,"nifa":400,"net_nifa":-12900,"tfa":4700,"net_tfa":-8600,"tfa_he":14400,"tw":27400,"age":36,"inc":40308,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":-8600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":55000,"hequity":15000,"nifa":17099,"net_nifa":17099,"tfa":17099,"net_tfa":17099,"tfa_he":32099,"tw":41211,"age":42,"inc":41634,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":17099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":7000,"hmort":0,"hequity":7000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":7000,"tw":11000,"age":49,"inc":12084,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13000,"hval":10000,"hmort":0,"hequity":10000,"nifa":100,"net_nifa":-7410,"tfa":13100,"net_tfa":5590,"tfa_he":15590,"tw":15590,"age":44,"inc":24210,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-7410,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":100000,"hmort":21000,"hequity":79000,"nifa":4200,"net_nifa":700,"tfa":29200,"net_tfa":25700,"tfa_he":104700,"tw":145900,"age":54,"inc":68760,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15130,"hval":75000,"hmort":57600,"hequity":17400,"nifa":2532,"net_nifa":-768,"tfa":17662,"net_tfa":14362,"tfa_he":31762,"tw":31762,"age":56,"inc":75477,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-768,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":44000,"hmort":44000,"hequity":0,"nifa":75,"net_nifa":-2625,"tfa":75,"net_tfa":-2625,"tfa_he":-2625,"tw":2275,"age":29,"inc":32985,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-2625,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":6800,"hequity":168200,"nifa":17000,"net_nifa":17000,"tfa":17000,"net_tfa":17000,"tfa_he":185200,"tw":196225,"age":60,"inc":66759,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":17000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":16800,"hmort":6400,"hequity":10400,"nifa":150,"net_nifa":-3250,"tfa":150,"net_tfa":-3250,"tfa_he":7150,"tw":11450,"age":30,"inc":20700,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":40000,"hmort":1500,"hequity":38500,"nifa":0,"net_nifa":-12360,"tfa":18000,"net_tfa":5640,"tfa_he":44140,"tw":50140,"age":47,"inc":31056,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-12360,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3400,"a401":1000,"hval":60000,"hmort":44600,"hequity":15400,"nifa":2850,"net_nifa":1740,"tfa":7250,"net_tfa":6140,"tfa_he":21540,"tw":34840,"age":26,"inc":31470,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":5140,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2200,"a401":80000,"hval":75000,"hmort":0,"hequity":75000,"nifa":6828,"net_nifa":5828,"tfa":89028,"net_tfa":88028,"tfa_he":163028,"tw":163028,"age":53,"inc":36399,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":8028,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5500,"a401":350,"hval":200000,"hmort":0,"hequity":200000,"nifa":10200,"net_nifa":10200,"tfa":16050,"net_tfa":16050,"tfa_he":216050,"tw":231750,"age":34,"inc":46200,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":15700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":7100,"hval":80000,"hmort":66000,"hequity":14000,"nifa":20000,"net_nifa":18000,"tfa":34100,"net_tfa":32100,"tfa_he":46100,"tw":51100,"age":43,"inc":49596,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":25000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":4000,"hval":75000,"hmort":27000,"hequity":48000,"nifa":152250,"net_nifa":87250,"tfa":159050,"net_tfa":94050,"tfa_he":142050,"tw":145300,"age":48,"inc":17547,"fsize":2,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.31086,"net_n401":90050,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":160000,"hmort":137900,"hequity":22100,"nifa":8000,"net_nifa":5900,"tfa":14000,"net_tfa":11900,"tfa_he":34000,"tw":46000,"age":27,"inc":112350,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":4700,"age":38,"inc":20388,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":185000,"hmort":130000,"hequity":55000,"nifa":10000,"net_nifa":8000,"tfa":20000,"net_tfa":18000,"tfa_he":73000,"tw":83244,"age":36,"inc":38400,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25122,"a401":37,"hval":70000,"hmort":0,"hequity":70000,"nifa":1200,"net_nifa":1200,"tfa":26359,"net_tfa":26359,"tfa_he":96359,"tw":96359,"age":59,"inc":41082,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":26322,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":85000,"hmort":63500,"hequity":21500,"nifa":9500,"net_nifa":9500,"tfa":13500,"net_tfa":13500,"tfa_he":35000,"tw":50000,"age":51,"inc":49359,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11500,"hval":9800,"hmort":14900,"hequity":-5100,"nifa":1400,"net_nifa":1075,"tfa":12900,"net_tfa":12575,"tfa_he":7475,"tw":12475,"age":43,"inc":20724,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1075,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":60000,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":3843,"age":27,"inc":14283,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":200000,"hmort":150000,"hequity":50000,"nifa":4649,"net_nifa":-17351,"tfa":7649,"net_tfa":-14351,"tfa_he":35649,"tw":35649,"age":35,"inc":57603,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-17351,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":35000,"a401":3000,"hval":200000,"hmort":30000,"hequity":170000,"nifa":24950,"net_nifa":20950,"tfa":62950,"net_tfa":58950,"tfa_he":228950,"tw":238625,"age":50,"inc":45453,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":55950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":25000,"hval":70000,"hmort":0,"hequity":70000,"nifa":12000,"net_nifa":11800,"tfa":37000,"net_tfa":36800,"tfa_he":106800,"tw":111800,"age":48,"inc":68673,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":11800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":38000,"hval":80000,"hmort":16000,"hequity":64000,"nifa":18049,"net_nifa":16349,"tfa":72049,"net_tfa":70349,"tfa_he":134349,"tw":134349,"age":61,"inc":38754,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":32349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30500,"a401":4304,"hval":150000,"hmort":38000,"hequity":112000,"nifa":11799,"net_nifa":11799,"tfa":46603,"net_tfa":46603,"tfa_he":158603,"tw":158603,"age":54,"inc":101826,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":42299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16700,"a401":9700,"hval":80700,"hmort":53000,"hequity":27700,"nifa":52700,"net_nifa":52700,"tfa":79100,"net_tfa":79100,"tfa_he":106800,"tw":112550,"age":30,"inc":47430,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":69400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":35000,"hmort":30270,"hequity":4730,"nifa":123,"net_nifa":-1377,"tfa":1123,"net_tfa":-377,"tfa_he":4353,"tw":6103,"age":36,"inc":19302,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-1377,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":175000,"hmort":122000,"hequity":53000,"nifa":2900,"net_nifa":-3100,"tfa":10900,"net_tfa":4900,"tfa_he":57900,"tw":68925,"age":44,"inc":52170,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":180000,"hmort":90000,"hequity":90000,"nifa":19600,"net_nifa":18400,"tfa":41600,"net_tfa":40400,"tfa_he":130400,"tw":146600,"age":39,"inc":61440,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":18400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1000,"tfa":4000,"net_tfa":3500,"tfa_he":3500,"tw":6000,"age":37,"inc":16665,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":1000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":23000,"hmort":23000,"hequity":0,"nifa":13400,"net_nifa":11300,"tfa":16400,"net_tfa":14300,"tfa_he":14300,"tw":21300,"age":41,"inc":68130,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":11300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":2000,"hval":142000,"hmort":142000,"hequity":0,"nifa":85399,"net_nifa":78899,"tfa":99399,"net_tfa":92899,"tfa_he":92899,"tw":99399,"age":47,"inc":80400,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":90899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":9000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":9000,"net_tfa":2000,"tfa_he":2000,"tw":47000,"age":33,"inc":37056,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":75000,"hequity":25000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":27999,"tw":59491,"age":48,"inc":37380,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2950,"net_nifa":2150,"tfa":2950,"net_tfa":2150,"tfa_he":2150,"tw":4935,"age":46,"inc":22638,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":2150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":190000,"hmort":150000,"hequity":40000,"nifa":11000,"net_nifa":10000,"tfa":13000,"net_tfa":12000,"tfa_he":52000,"tw":67000,"age":42,"inc":91776,"fsize":5,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3800,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":800,"tfa":9800,"net_tfa":4600,"tfa_he":4600,"tw":5300,"age":25,"inc":58050,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1750,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1116,"net_nifa":1116,"tfa":5866,"net_tfa":5866,"tfa_he":5866,"tw":11108,"age":31,"inc":20922,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":2866,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":255,"hval":104000,"hmort":90000,"hequity":14000,"nifa":3516,"net_nifa":1516,"tfa":3771,"net_tfa":1771,"tfa_he":15771,"tw":31771,"age":32,"inc":69612,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":1516,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":130000,"hmort":50000,"hequity":80000,"nifa":519,"net_nifa":519,"tfa":17519,"net_tfa":17519,"tfa_he":97519,"tw":97519,"age":41,"inc":109587,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":17519,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":28500,"a401":2000,"hval":72000,"hmort":56000,"hequity":16000,"nifa":210545,"net_nifa":210545,"tfa":241045,"net_tfa":241045,"tfa_he":257045,"tw":262045,"age":46,"inc":64449,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":239045,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":40000,"hequity":23000,"nifa":5300,"net_nifa":-10300,"tfa":5300,"net_tfa":-10300,"tfa_he":12700,"tw":12700,"age":37,"inc":59817,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":102000,"hmort":102000,"hequity":0,"nifa":6500,"net_nifa":-500,"tfa":6500,"net_tfa":-500,"tfa_he":-500,"tw":16500,"age":37,"inc":94530,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":60000,"hmort":0,"hequity":60000,"nifa":3300,"net_nifa":3200,"tfa":4300,"net_tfa":4200,"tfa_he":64200,"tw":64200,"age":61,"inc":38412,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":80000,"hmort":58000,"hequity":22000,"nifa":4000,"net_nifa":2000,"tfa":5000,"net_tfa":3000,"tfa_he":25000,"tw":39000,"age":60,"inc":64419,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":85000,"hequity":25000,"nifa":75,"net_nifa":-25925,"tfa":75,"net_tfa":-25925,"tfa_he":-925,"tw":3075,"age":39,"inc":66813,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-25925,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":31000,"hval":62000,"hmort":62000,"hequity":0,"nifa":2000,"net_nifa":1500,"tfa":33000,"net_tfa":32500,"tfa_he":32500,"tw":36800,"age":37,"inc":47664,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1500,"age":30,"inc":14580,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":180,"hval":49172,"hmort":49172,"hequity":0,"nifa":300,"net_nifa":-5700,"tfa":480,"net_tfa":-5520,"tfa_he":-5520,"tw":-3995,"age":42,"inc":27105,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-5700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":720,"a401":6075,"hval":0,"hmort":0,"hequity":0,"nifa":18081,"net_nifa":11781,"tfa":24876,"net_tfa":18576,"tfa_he":18576,"tw":18576,"age":40,"inc":45693,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":12501,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":55616,"hval":100000,"hmort":75000,"hequity":25000,"nifa":66345,"net_nifa":56745,"tfa":121961,"net_tfa":112361,"tfa_he":137361,"tw":163878,"age":48,"inc":68538,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":56745,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":107000,"hmort":55000,"hequity":52000,"nifa":11010,"net_nifa":9810,"tfa":23010,"net_tfa":21810,"tfa_he":73810,"tw":73810,"age":38,"inc":45741,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":9810,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3100,"a401":500,"hval":74950,"hmort":74100,"hequity":850,"nifa":3150,"net_nifa":-600,"tfa":6750,"net_tfa":3000,"tfa_he":3850,"tw":3850,"age":32,"inc":32427,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":46000,"hequity":14000,"nifa":9999,"net_nifa":5999,"tfa":9999,"net_tfa":5999,"tfa_he":19999,"tw":89999,"age":31,"inc":39126,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":5999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":33000,"hval":84000,"hmort":63000,"hequity":21000,"nifa":8100,"net_nifa":6400,"tfa":41100,"net_tfa":39400,"tfa_he":60400,"tw":61150,"age":33,"inc":45846,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":78000,"hmort":76000,"hequity":2000,"nifa":1700,"net_nifa":-5500,"tfa":1700,"net_tfa":-5500,"tfa_he":-3500,"tw":-3000,"age":37,"inc":44754,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":21000,"hval":90000,"hmort":24200,"hequity":65800,"nifa":55599,"net_nifa":55599,"tfa":94599,"net_tfa":94599,"tfa_he":160399,"tw":168399,"age":63,"inc":54450,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":73599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":35000,"a401":10000,"hval":100000,"hmort":94500,"hequity":5500,"nifa":73000,"net_nifa":73000,"tfa":118000,"net_tfa":118000,"tfa_he":123500,"tw":250500,"age":39,"inc":88971,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":108000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12371,"a401":13455,"hval":80000,"hmort":36000,"hequity":44000,"nifa":5754,"net_nifa":5404,"tfa":31580,"net_tfa":31230,"tfa_he":75230,"tw":75599,"age":43,"inc":45798,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":17775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":50000,"hequity":25000,"nifa":200,"net_nifa":-4150,"tfa":200,"net_tfa":-4150,"tfa_he":20850,"tw":25652,"age":44,"inc":45468,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":6000,"hval":108000,"hmort":101000,"hequity":7000,"nifa":7600,"net_nifa":-10400,"tfa":24600,"net_tfa":6600,"tfa_he":13600,"tw":13600,"age":43,"inc":55473,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":49000,"hval":0,"hmort":0,"hequity":0,"nifa":22599,"net_nifa":22599,"tfa":131599,"net_tfa":131599,"tfa_he":131599,"tw":191599,"age":55,"inc":74523,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35337,"net_n401":82599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":33000,"hmort":20000,"hequity":13000,"nifa":50,"net_nifa":-1950,"tfa":50,"net_tfa":-1950,"tfa_he":11050,"tw":16925,"age":39,"inc":24015,"fsize":3,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-1950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":47000,"hmort":47000,"hequity":0,"nifa":4400,"net_nifa":-600,"tfa":6900,"net_tfa":1900,"tfa_he":1900,"tw":5250,"age":32,"inc":31830,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":200000,"hmort":90000,"hequity":110000,"nifa":400,"net_nifa":263,"tfa":13400,"net_tfa":13263,"tfa_he":123263,"tw":134263,"age":45,"inc":43326,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":263,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4700,"tfa":1500,"net_tfa":-3200,"tfa_he":-3200,"tw":-3200,"age":35,"inc":39522,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20130,"a401":51000,"hval":254000,"hmort":95000,"hequity":159000,"nifa":36169,"net_nifa":34669,"tfa":107299,"net_tfa":105799,"tfa_he":264799,"tw":274799,"age":39,"inc":101637,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":54799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":170000,"hmort":15200,"hequity":154800,"nifa":1500,"net_nifa":0,"tfa":4000,"net_tfa":2500,"tfa_he":157300,"tw":165761,"age":31,"inc":36390,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2300,"a401":1800,"hval":37500,"hmort":37500,"hequity":0,"nifa":0,"net_nifa":-1700,"tfa":4100,"net_tfa":2400,"tfa_he":2400,"tw":3650,"age":30,"inc":30600,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11800,"a401":10000,"hval":53000,"hmort":53000,"hequity":0,"nifa":5150,"net_nifa":5150,"tfa":26950,"net_tfa":26950,"tfa_he":26950,"tw":30350,"age":34,"inc":54879,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":16950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":5000,"hmort":5000,"hequity":0,"nifa":800,"net_nifa":-700,"tfa":2300,"net_tfa":800,"tfa_he":800,"tw":6318,"age":54,"inc":45900,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":825,"net_nifa":499,"tfa":825,"net_tfa":499,"tfa_he":499,"tw":7832,"age":42,"inc":32418,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":499,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2700,"a401":12600,"hval":110000,"hmort":78000,"hequity":32000,"nifa":11200,"net_nifa":10500,"tfa":26500,"net_tfa":25800,"tfa_he":57800,"tw":87800,"age":46,"inc":95580,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":13200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3022,"a401":20000,"hval":192000,"hmort":100000,"hequity":92000,"nifa":21300,"net_nifa":20480,"tfa":44322,"net_tfa":43502,"tfa_he":135502,"tw":135502,"age":39,"inc":67836,"fsize":6,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23502,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":50000,"hequity":2000,"nifa":7500,"net_nifa":5500,"tfa":7500,"net_tfa":5500,"tfa_he":7500,"tw":18478,"age":38,"inc":24150,"fsize":5,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":250,"hval":39900,"hmort":25000,"hequity":14900,"nifa":1600,"net_nifa":200,"tfa":1850,"net_tfa":450,"tfa_he":15350,"tw":15350,"age":36,"inc":20400,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5278,"a401":52652,"hval":137900,"hmort":107000,"hequity":30900,"nifa":6607,"net_nifa":6407,"tfa":64537,"net_tfa":64337,"tfa_he":95237,"tw":110532,"age":49,"inc":111372,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":11685,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":73000,"hequity":2000,"nifa":675,"net_nifa":-7278,"tfa":675,"net_tfa":-7278,"tfa_he":-5278,"tw":2122,"age":39,"inc":49140,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-7278,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":4500,"hmort":2500,"hequity":2000,"nifa":0,"net_nifa":-230,"tfa":0,"net_tfa":-230,"tfa_he":1770,"tw":2770,"age":43,"inc":13395,"fsize":2,"educ":8,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-230,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":35000,"hmort":30000,"hequity":5000,"nifa":15,"net_nifa":-985,"tfa":5015,"net_tfa":4015,"tfa_he":9015,"tw":9429,"age":60,"inc":29148,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-985,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1400,"hval":58000,"hmort":12000,"hequity":46000,"nifa":2000,"net_nifa":-3000,"tfa":3400,"net_tfa":-1600,"tfa_he":44400,"tw":51037,"age":32,"inc":93120,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15694,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12500,"net_nifa":11403,"tfa":28194,"net_tfa":27097,"tfa_he":27097,"tw":40997,"age":42,"inc":49710,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71252,"net_n401":27097,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":2000,"hval":50000,"hmort":0,"hequity":50000,"nifa":48000,"net_nifa":47825,"tfa":80000,"net_tfa":79825,"tfa_he":129825,"tw":139825,"age":63,"inc":23952,"fsize":2,"educ":8,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.37883,"net_n401":77825,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":-4400,"tfa":2800,"net_tfa":-4400,"tfa_he":-4400,"tw":-2300,"age":52,"inc":25128,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-4400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4500,"hval":75000,"hmort":30000,"hequity":45000,"nifa":1200,"net_nifa":-1400,"tfa":5700,"net_tfa":3100,"tfa_he":48100,"tw":56100,"age":33,"inc":33363,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":130000,"hmort":105000,"hequity":25000,"nifa":5500,"net_nifa":4300,"tfa":7000,"net_tfa":5800,"tfa_he":30800,"tw":44800,"age":26,"inc":61410,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":4300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":47000,"hequity":0,"nifa":500,"net_nifa":-16500,"tfa":500,"net_tfa":-16500,"tfa_he":-16500,"tw":-13834,"age":36,"inc":23820,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-16500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10500,"a401":0,"hval":300000,"hmort":38000,"hequity":262000,"nifa":3510,"net_nifa":-29390,"tfa":14010,"net_tfa":-18890,"tfa_he":243110,"tw":270110,"age":48,"inc":37338,"fsize":7,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":-18890,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":23850,"a401":7500,"hval":250000,"hmort":0,"hequity":250000,"nifa":3899,"net_nifa":3499,"tfa":35249,"net_tfa":34849,"tfa_he":284849,"tw":344849,"age":51,"inc":63363,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":27349,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1537,"net_nifa":-613,"tfa":1537,"net_tfa":-613,"tfa_he":-613,"tw":1937,"age":43,"inc":26877,"fsize":3,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-613,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":1249,"net_nifa":1249,"tfa":1249,"net_tfa":1249,"tfa_he":16249,"tw":18749,"age":58,"inc":15207,"fsize":1,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":1249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1800,"tfa":1300,"net_tfa":-500,"tfa_he":-500,"tw":400,"age":35,"inc":18744,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1800,"a401":56000,"hval":68000,"hmort":45000,"hequity":23000,"nifa":23000,"net_nifa":22200,"tfa":80800,"net_tfa":80000,"tfa_he":103000,"tw":104775,"age":43,"inc":54330,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":24000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20,"hval":42000,"hmort":42000,"hequity":0,"nifa":100,"net_nifa":-700,"tfa":120,"net_tfa":-680,"tfa_he":-680,"tw":-680,"age":34,"inc":21810,"fsize":5,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":16500,"hequity":13500,"nifa":300,"net_nifa":-700,"tfa":300,"net_tfa":-700,"tfa_he":12800,"tw":14800,"age":30,"inc":33111,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":36000,"hequity":39000,"nifa":36448,"net_nifa":34948,"tfa":36448,"net_tfa":34948,"tfa_he":73948,"tw":73948,"age":40,"inc":38859,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":34948,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":1200,"net_nifa":-3800,"tfa":1200,"net_tfa":-3800,"tfa_he":71200,"tw":76942,"age":41,"inc":19140,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-3800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":520,"net_nifa":-19280,"tfa":520,"net_tfa":-19280,"tfa_he":-19280,"tw":-18780,"age":27,"inc":21729,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-19280,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":7500,"tfa":15000,"net_tfa":13500,"tfa_he":13500,"tw":35862,"age":31,"inc":30576,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":7500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":15,"net_tfa":15,"tfa_he":15,"tw":15,"age":39,"inc":17079,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":46400,"hequity":8600,"nifa":750,"net_nifa":350,"tfa":750,"net_tfa":350,"tfa_he":8950,"tw":15950,"age":34,"inc":28980,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":90000,"hval":210000,"hmort":103000,"hequity":107000,"nifa":80000,"net_nifa":78500,"tfa":184000,"net_tfa":182500,"tfa_he":289500,"tw":289500,"age":50,"inc":104400,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":92500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":77000,"hmort":77000,"hequity":0,"nifa":2500,"net_nifa":1500,"tfa":2500,"net_tfa":1500,"tfa_he":1500,"tw":2960,"age":47,"inc":33819,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":120000,"hmort":54000,"hequity":66000,"nifa":13700,"net_nifa":13700,"tfa":18700,"net_tfa":18700,"tfa_he":84700,"tw":96725,"age":32,"inc":51816,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":13700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":300000,"hmort":75000,"hequity":225000,"nifa":1425115,"net_nifa":1425115,"tfa":1462115,"net_tfa":1462115,"tfa_he":1687115,"tw":1887115,"age":61,"inc":169896,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":1450115,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13000,"a401":8000,"hval":120000,"hmort":74000,"hequity":46000,"nifa":7600,"net_nifa":7600,"tfa":28600,"net_tfa":28600,"tfa_he":74600,"tw":81150,"age":38,"inc":51150,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":20600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2600,"hval":0,"hmort":0,"hequity":0,"nifa":560,"net_nifa":-440,"tfa":3160,"net_tfa":2160,"tfa_he":2160,"tw":7993,"age":30,"inc":23070,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-440,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":45000,"hmort":28000,"hequity":17000,"nifa":2037,"net_nifa":-5763,"tfa":52037,"net_tfa":44237,"tfa_he":61237,"tw":64462,"age":62,"inc":29880,"fsize":1,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":-5763,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":153000,"hval":150000,"hmort":85000,"hequity":65000,"nifa":32400,"net_nifa":32400,"tfa":196400,"net_tfa":196400,"tfa_he":261400,"tw":261400,"age":33,"inc":100845,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":43400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":11799,"net_nifa":10499,"tfa":11799,"net_tfa":10499,"tfa_he":135499,"tw":165499,"age":50,"inc":50430,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":10499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11500,"a401":80000,"hval":250000,"hmort":140000,"hequity":110000,"nifa":31999,"net_nifa":7699,"tfa":123499,"net_tfa":99199,"tfa_he":209199,"tw":274199,"age":58,"inc":101946,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":19199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4600,"hval":0,"hmort":0,"hequity":0,"nifa":1024,"net_nifa":-3476,"tfa":5624,"net_tfa":1124,"tfa_he":1124,"tw":4549,"age":29,"inc":39522,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-3476,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":62200,"hval":68000,"hmort":4200,"hequity":63800,"nifa":4050,"net_nifa":50,"tfa":66250,"net_tfa":62250,"tfa_he":126050,"tw":129050,"age":32,"inc":40503,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":180000,"hmort":139,"hequity":179861,"nifa":3600,"net_nifa":3485,"tfa":13600,"net_tfa":13485,"tfa_he":193346,"tw":193346,"age":37,"inc":63885,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":3485,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":155,"hval":53000,"hmort":50000,"hequity":3000,"nifa":600,"net_nifa":-4400,"tfa":755,"net_tfa":-4245,"tfa_he":-1245,"tw":-1245,"age":26,"inc":33363,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":62000,"hmort":59000,"hequity":3000,"nifa":73400,"net_nifa":68000,"tfa":153400,"net_tfa":148000,"tfa_he":151000,"tw":152200,"age":47,"inc":74196,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":68000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":50000,"hmort":39000,"hequity":11000,"nifa":120,"net_nifa":120,"tfa":1120,"net_tfa":1120,"tfa_he":12120,"tw":12620,"age":58,"inc":19200,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":120,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":600,"hval":60000,"hmort":47000,"hequity":13000,"nifa":835,"net_nifa":-2818,"tfa":1435,"net_tfa":-2218,"tfa_he":10782,"tw":13282,"age":49,"inc":32430,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-2818,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-2541,"tfa":2500,"net_tfa":-541,"tfa_he":-541,"tw":-541,"age":26,"inc":13275,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":-2541,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":330,"hval":135000,"hmort":0,"hequity":135000,"nifa":41097,"net_nifa":35979,"tfa":41427,"net_tfa":36309,"tfa_he":171309,"tw":307309,"age":60,"inc":58056,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":35979,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":220,"hval":50000,"hmort":50000,"hequity":0,"nifa":270,"net_nifa":-2680,"tfa":490,"net_tfa":-2460,"tfa_he":-2460,"tw":-2460,"age":36,"inc":40725,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-2680,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34300,"a401":0,"hval":168500,"hmort":126000,"hequity":42500,"nifa":123800,"net_nifa":37800,"tfa":158100,"net_tfa":72100,"tfa_he":114600,"tw":114600,"age":50,"inc":119364,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":72100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1400,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1800,"tfa":3200,"net_tfa":3200,"tfa_he":3200,"tw":10279,"age":41,"inc":11106,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11000,"net_nifa":11000,"tfa":11000,"net_tfa":11000,"tfa_he":11000,"tw":16200,"age":27,"inc":39900,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":11000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":1149,"net_nifa":1149,"tfa":3149,"net_tfa":3149,"tfa_he":3149,"tw":5124,"age":34,"inc":16884,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":1149,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28000,"a401":15000,"hval":65000,"hmort":0,"hequity":65000,"nifa":118000,"net_nifa":118000,"tfa":161000,"net_tfa":161000,"tfa_he":226000,"tw":426000,"age":62,"inc":66240,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":146000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":20000,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":20600,"net_tfa":20600,"tfa_he":20600,"tw":20600,"age":61,"inc":32490,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.66008,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10089,"a401":5000,"hval":120000,"hmort":76000,"hequity":44000,"nifa":28398,"net_nifa":8998,"tfa":43487,"net_tfa":24087,"tfa_he":68087,"tw":81387,"age":55,"inc":59976,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":19087,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15,"hval":50000,"hmort":17000,"hequity":33000,"nifa":200,"net_nifa":-1000,"tfa":215,"net_tfa":-985,"tfa_he":32015,"tw":32015,"age":43,"inc":14010,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10100,"hval":98000,"hmort":72900,"hequity":25100,"nifa":2175,"net_nifa":-425,"tfa":12275,"net_tfa":9675,"tfa_he":34775,"tw":35375,"age":39,"inc":38856,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":49000,"a401":130000,"hval":150000,"hmort":45000,"hequity":105000,"nifa":182990,"net_nifa":182990,"tfa":361990,"net_tfa":361990,"tfa_he":466990,"tw":466990,"age":54,"inc":76899,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":231990,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":43,"inc":22800,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":-3800,"tfa":4200,"net_tfa":-1300,"tfa_he":-1300,"tw":-1300,"age":43,"inc":23541,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-3800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":31000,"hmort":31000,"hequity":0,"nifa":945,"net_nifa":945,"tfa":945,"net_tfa":945,"tfa_he":945,"tw":1445,"age":43,"inc":16866,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":945,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":62000,"hequity":33000,"nifa":9199,"net_nifa":9199,"tfa":9199,"net_tfa":9199,"tfa_he":42199,"tw":48199,"age":40,"inc":67500,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":9199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":46000,"hval":120000,"hmort":60000,"hequity":60000,"nifa":35749,"net_nifa":31249,"tfa":86749,"net_tfa":82249,"tfa_he":142249,"tw":147681,"age":39,"inc":60120,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":36249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-1025,"tfa":75,"net_tfa":-1025,"tfa_he":-1025,"tw":2575,"age":39,"inc":37431,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1025,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":687,"a401":291,"hval":128000,"hmort":109397,"hequity":18603,"nifa":2800,"net_nifa":-5400,"tfa":3778,"net_tfa":-4422,"tfa_he":14181,"tw":14181,"age":32,"inc":24840,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.2696,"net_n401":-4713,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14500,"a401":0,"hval":124000,"hmort":98000,"hequity":26000,"nifa":4750,"net_nifa":4750,"tfa":19250,"net_tfa":19250,"tfa_he":45250,"tw":70250,"age":35,"inc":58911,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":19250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":1700,"hval":175000,"hmort":90000,"hequity":85000,"nifa":0,"net_nifa":-5200,"tfa":5700,"net_tfa":500,"tfa_he":85500,"tw":125500,"age":43,"inc":63894,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":36000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":310200,"net_nifa":310200,"tfa":358200,"net_tfa":358200,"tfa_he":508200,"tw":598200,"age":48,"inc":143787,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":322200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":45000,"hval":200000,"hmort":90000,"hequity":110000,"nifa":55000,"net_nifa":49000,"tfa":100000,"net_tfa":94000,"tfa_he":204000,"tw":236000,"age":42,"inc":103050,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":49000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":214000,"hmort":150000,"hequity":64000,"nifa":4725,"net_nifa":4725,"tfa":4725,"net_tfa":4725,"tfa_he":68725,"tw":68725,"age":32,"inc":111972,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":4725,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":7000,"hval":144900,"hmort":103000,"hequity":41900,"nifa":4000,"net_nifa":300,"tfa":19000,"net_tfa":15300,"tfa_he":57200,"tw":107200,"age":46,"inc":58347,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":8300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":7999,"net_nifa":7699,"tfa":32999,"net_tfa":32699,"tfa_he":32699,"tw":32699,"age":51,"inc":43404,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":7699,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":22,"hval":55000,"hmort":53000,"hequity":2000,"nifa":160,"net_nifa":-17840,"tfa":182,"net_tfa":-17818,"tfa_he":-15818,"tw":-9018,"age":33,"inc":38484,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-17840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":172,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-300,"tfa":372,"net_tfa":-128,"tfa_he":-128,"tw":1997,"age":27,"inc":12180,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3420,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":5000,"tfa":8420,"net_tfa":8420,"tfa_he":8420,"tw":18500,"age":26,"inc":22992,"fsize":2,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":5350,"age":36,"inc":10386,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11521,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":45000,"hmort":39500,"hequity":5500,"nifa":2023,"net_nifa":-177,"tfa":3523,"net_tfa":1323,"tfa_he":6823,"tw":13348,"age":34,"inc":24120,"fsize":3,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-177,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":90000,"hmort":0,"hequity":90000,"nifa":24985,"net_nifa":17185,"tfa":64985,"net_tfa":57185,"tfa_he":147185,"tw":147385,"age":53,"inc":29238,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":17185,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":800,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-25001,"tfa":2799,"net_tfa":-23701,"tfa_he":-23701,"tw":-19701,"age":33,"inc":26040,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.41722,"net_n401":-24201,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":62000,"hmort":57500,"hequity":4500,"nifa":376,"net_nifa":-3424,"tfa":376,"net_tfa":-3424,"tfa_he":1076,"tw":11576,"age":26,"inc":34356,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-3424,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":110000,"hmort":78000,"hequity":32000,"nifa":20000,"net_nifa":20000,"tfa":34000,"net_tfa":34000,"tfa_he":66000,"tw":98242,"age":34,"inc":29376,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":45000,"hmort":0,"hequity":45000,"nifa":12351,"net_nifa":12351,"tfa":24351,"net_tfa":24351,"tfa_he":69351,"tw":89351,"age":64,"inc":21192,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":12351,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":20000,"hval":300000,"hmort":71900,"hequity":228100,"nifa":25600,"net_nifa":25600,"tfa":45600,"net_tfa":45600,"tfa_he":273700,"tw":273700,"age":45,"inc":63288,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":25600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11500,"net_nifa":4500,"tfa":11500,"net_tfa":4500,"tfa_he":4500,"tw":8000,"age":30,"inc":43314,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":4500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2300,"a401":460,"hval":62000,"hmort":60000,"hequity":2000,"nifa":8400,"net_nifa":8200,"tfa":11160,"net_tfa":10960,"tfa_he":12960,"tw":20310,"age":42,"inc":34764,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":93000,"net_nifa":92810,"tfa":93000,"net_tfa":92810,"tfa_he":92810,"tw":104910,"age":49,"inc":35142,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":92810,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8500,"hval":65000,"hmort":31500,"hequity":33500,"nifa":11050,"net_nifa":7610,"tfa":19550,"net_tfa":16110,"tfa_he":49610,"tw":65960,"age":40,"inc":51540,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":7610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5600,"net_nifa":3200,"tfa":5600,"net_tfa":3200,"tfa_he":3200,"tw":3700,"age":35,"inc":25731,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":3200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":49000,"hmort":43500,"hequity":5500,"nifa":6400,"net_nifa":6300,"tfa":11400,"net_tfa":11300,"tfa_he":16800,"tw":18800,"age":43,"inc":69690,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":6300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5800,"hval":67000,"hmort":25000,"hequity":42000,"nifa":8940,"net_nifa":8940,"tfa":14740,"net_tfa":14740,"tfa_he":56740,"tw":56740,"age":39,"inc":44880,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":8940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":120000,"hequity":40000,"nifa":12000,"net_nifa":12000,"tfa":12000,"net_tfa":12000,"tfa_he":52000,"tw":52000,"age":26,"inc":70368,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":39000,"hmort":24000,"hequity":15000,"nifa":2999,"net_nifa":1749,"tfa":12999,"net_tfa":11749,"tfa_he":26749,"tw":34155,"age":37,"inc":39744,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":9000,"hval":70000,"hmort":29000,"hequity":41000,"nifa":1952,"net_nifa":1452,"tfa":12952,"net_tfa":12452,"tfa_he":53452,"tw":53452,"age":43,"inc":33954,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":3452,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":310,"net_nifa":-3790,"tfa":610,"net_tfa":-3490,"tfa_he":-3490,"tw":-3490,"age":39,"inc":31878,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-3790,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":82000,"a401":16000,"hval":125000,"hmort":0,"hequity":125000,"nifa":151500,"net_nifa":151500,"tfa":249500,"net_tfa":249500,"tfa_he":374500,"tw":384100,"age":64,"inc":56871,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":233500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":30000,"hval":110000,"hmort":101559,"hequity":8441,"nifa":1725,"net_nifa":-6848,"tfa":31725,"net_tfa":23152,"tfa_he":31593,"tw":40326,"age":48,"inc":77523,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-6848,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":638,"net_nifa":-9312,"tfa":638,"net_tfa":-9312,"tfa_he":-9312,"tw":-8812,"age":37,"inc":25443,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-9312,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1656,"a401":4500,"hval":82000,"hmort":71000,"hequity":11000,"nifa":1635,"net_nifa":-18665,"tfa":7791,"net_tfa":-12509,"tfa_he":-1509,"tw":5491,"age":40,"inc":52110,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-17009,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":8857,"age":33,"inc":11112,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":4000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1800,"a401":13000,"hval":65000,"hmort":59500,"hequity":5500,"nifa":17369,"net_nifa":17029,"tfa":32169,"net_tfa":31829,"tfa_he":37329,"tw":39329,"age":28,"inc":78879,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":18829,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":70,"a401":100,"hval":60000,"hmort":35000,"hequity":25000,"nifa":499,"net_nifa":-6101,"tfa":669,"net_tfa":-5931,"tfa_he":19069,"tw":23419,"age":46,"inc":24030,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":-6031,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":40000,"hval":80000,"hmort":0,"hequity":80000,"nifa":114000,"net_nifa":114000,"tfa":154000,"net_tfa":154000,"tfa_he":234000,"tw":252450,"age":35,"inc":61230,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":114000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":140000,"hmort":124000,"hequity":16000,"nifa":6400,"net_nifa":3400,"tfa":6600,"net_tfa":3600,"tfa_he":19600,"tw":19600,"age":37,"inc":57720,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3900,"a401":5304,"hval":60000,"hmort":0,"hequity":60000,"nifa":11449,"net_nifa":9649,"tfa":20653,"net_tfa":18853,"tfa_he":78853,"tw":78853,"age":50,"inc":44172,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":13549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":1480,"net_nifa":-1520,"tfa":8480,"net_tfa":5480,"tfa_he":5480,"tw":37210,"age":29,"inc":42771,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":-1520,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":53000,"hmort":53000,"hequity":0,"nifa":1625,"net_nifa":-2535,"tfa":11625,"net_tfa":7465,"tfa_he":7465,"tw":14465,"age":38,"inc":38712,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2535,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":2000,"hval":45000,"hmort":0,"hequity":45000,"nifa":61323,"net_nifa":60823,"tfa":65823,"net_tfa":65323,"tfa_he":110323,"tw":114323,"age":41,"inc":50400,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":63323,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":96600,"hequity":68400,"nifa":6100,"net_nifa":-2800,"tfa":6100,"net_tfa":-2800,"tfa_he":65600,"tw":71825,"age":34,"inc":44043,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":132500,"hequity":92500,"nifa":28200,"net_nifa":12900,"tfa":28200,"net_tfa":12900,"tfa_he":105400,"tw":112700,"age":52,"inc":79701,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":12900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3365,"net_nifa":3365,"tfa":12365,"net_tfa":12365,"tfa_he":12365,"tw":17365,"age":51,"inc":15303,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.32681,"net_n401":12365,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":1924,"hval":60000,"hmort":36000,"hequity":24000,"nifa":8000,"net_nifa":2000,"tfa":14924,"net_tfa":8924,"tfa_he":32924,"tw":35590,"age":48,"inc":29952,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":4998,"net_nifa":3998,"tfa":6498,"net_tfa":5498,"tfa_he":5498,"tw":25498,"age":38,"inc":54165,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":3998,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":0,"hval":72500,"hmort":63200,"hequity":9300,"nifa":4000,"net_nifa":1200,"tfa":7500,"net_tfa":4700,"tfa_he":14000,"tw":14000,"age":30,"inc":44352,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":45000,"hmort":35000,"hequity":10000,"nifa":500,"net_nifa":250,"tfa":6500,"net_tfa":6250,"tfa_he":16250,"tw":16250,"age":45,"inc":19200,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":25000,"hval":80000,"hmort":45000,"hequity":35000,"nifa":1000,"net_nifa":-2575,"tfa":26000,"net_tfa":22425,"tfa_he":57425,"tw":81425,"age":54,"inc":65025,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2575,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":20000,"hequity":40000,"nifa":2100,"net_nifa":100,"tfa":2100,"net_tfa":100,"tfa_he":40100,"tw":41600,"age":53,"inc":12588,"fsize":2,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":25500,"net_nifa":17600,"tfa":25500,"net_tfa":17600,"tfa_he":117600,"tw":123600,"age":37,"inc":59430,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":17600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-6100,"tfa":200,"net_tfa":-6100,"tfa_he":-6100,"tw":-2600,"age":40,"inc":52263,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":-6100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":109100,"net_nifa":108700,"tfa":165100,"net_tfa":164700,"tfa_he":164700,"tw":183753,"age":59,"inc":28785,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":158700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":20000,"hval":0,"hmort":0,"hequity":0,"nifa":14100,"net_nifa":-4300,"tfa":34100,"net_tfa":15700,"tfa_he":15700,"tw":15700,"age":39,"inc":42975,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-4300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":71000,"a401":28000,"hval":70000,"hmort":50000,"hequity":20000,"nifa":124999,"net_nifa":123999,"tfa":223999,"net_tfa":222999,"tfa_he":242999,"tw":258249,"age":46,"inc":54000,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":194999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":39000,"a401":80000,"hval":250000,"hmort":0,"hequity":250000,"nifa":4598,"net_nifa":4598,"tfa":123598,"net_tfa":123598,"tfa_he":373598,"tw":373598,"age":47,"inc":110457,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":43598,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8500,"hval":165000,"hmort":87500,"hequity":77500,"nifa":9378,"net_nifa":8960,"tfa":17878,"net_tfa":17460,"tfa_he":94960,"tw":108556,"age":50,"inc":34935,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":8960,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9800,"a401":20000,"hval":112000,"hmort":75000,"hequity":37000,"nifa":33099,"net_nifa":29099,"tfa":62899,"net_tfa":58899,"tfa_he":95899,"tw":145899,"age":32,"inc":100491,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":38899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":300000,"hmort":49000,"hequity":251000,"nifa":444,"net_nifa":-46,"tfa":5944,"net_tfa":5454,"tfa_he":256454,"tw":260954,"age":30,"inc":39249,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-46,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":180000,"hmort":150000,"hequity":30000,"nifa":8500,"net_nifa":-7500,"tfa":11000,"net_tfa":-5000,"tfa_he":25000,"tw":48000,"age":26,"inc":44442,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-7500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":2000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4349,"net_nifa":3749,"tfa":7849,"net_tfa":7249,"tfa_he":157249,"tw":232249,"age":54,"inc":88689,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":5249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-72800,"tfa":200,"net_tfa":-72800,"tfa_he":-72800,"tw":-72800,"age":28,"inc":31200,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":-72800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8147,"a401":0,"hval":65000,"hmort":20000,"hequity":45000,"nifa":1210,"net_nifa":-1190,"tfa":9357,"net_tfa":6957,"tfa_he":51957,"tw":60307,"age":53,"inc":51090,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":6957,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":40700,"hval":0,"hmort":0,"hequity":0,"nifa":5117,"net_nifa":117,"tfa":47817,"net_tfa":42817,"tfa_he":42817,"tw":48296,"age":30,"inc":31221,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.67399,"net_n401":2117,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":600,"tfa":7600,"net_tfa":7600,"tfa_he":7600,"tw":7600,"age":51,"inc":37965,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":23000,"hequity":2000,"nifa":17499,"net_nifa":17499,"tfa":17499,"net_tfa":17499,"tfa_he":19499,"tw":21999,"age":54,"inc":21300,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":17499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24354,"a401":38000,"hval":130000,"hmort":55000,"hequity":75000,"nifa":10100,"net_nifa":2600,"tfa":72454,"net_tfa":64954,"tfa_he":139954,"tw":237004,"age":45,"inc":43179,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":26954,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":14999,"net_nifa":14499,"tfa":14999,"net_tfa":14499,"tfa_he":124499,"tw":128699,"age":48,"inc":36900,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":14499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":22000,"hval":90300,"hmort":72000,"hequity":18300,"nifa":8342,"net_nifa":7692,"tfa":30342,"net_tfa":29692,"tfa_he":47992,"tw":51842,"age":36,"inc":32994,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":7692,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":59000,"hmort":41500,"hequity":17500,"nifa":5122,"net_nifa":-515,"tfa":13122,"net_tfa":7485,"tfa_he":24985,"tw":29260,"age":37,"inc":31416,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-515,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":100,"net_nifa":-400,"tfa":100,"net_tfa":-400,"tfa_he":99600,"tw":99600,"age":35,"inc":26370,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":50,"tfa":200,"net_tfa":50,"tfa_he":50,"tw":550,"age":46,"inc":21576,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-9980,"tfa":620,"net_tfa":-9380,"tfa_he":-9380,"tw":-1380,"age":42,"inc":96864,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":-9980,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3080,"hval":0,"hmort":0,"hequity":0,"nifa":5550,"net_nifa":2390,"tfa":8630,"net_tfa":5470,"tfa_he":5470,"tw":5920,"age":28,"inc":47550,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":2390,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4900,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":300,"tfa":5700,"net_tfa":5200,"tfa_he":5200,"tw":5200,"age":37,"inc":24000,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":160000,"hmort":130000,"hequity":30000,"nifa":10,"net_nifa":-2590,"tfa":1310,"net_tfa":-1290,"tfa_he":28710,"tw":44710,"age":28,"inc":66150,"fsize":4,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-2590,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":58100,"hval":140000,"hmort":55000,"hequity":85000,"nifa":100000,"net_nifa":100000,"tfa":169100,"net_tfa":169100,"tfa_he":254100,"tw":294100,"age":44,"inc":109653,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":111000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":80000,"hequity":30000,"nifa":650,"net_nifa":-25570,"tfa":650,"net_tfa":-25570,"tfa_he":4430,"tw":17762,"age":42,"inc":63954,"fsize":6,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-25570,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":61000,"hmort":0,"hequity":61000,"nifa":600,"net_nifa":300,"tfa":600,"net_tfa":300,"tfa_he":61300,"tw":66100,"age":33,"inc":30438,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1200,"a401":900,"hval":98000,"hmort":78000,"hequity":20000,"nifa":100,"net_nifa":-300,"tfa":2200,"net_tfa":1800,"tfa_he":21800,"tw":37800,"age":39,"inc":46818,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3600,"hval":60000,"hmort":31500,"hequity":28500,"nifa":0,"net_nifa":0,"tfa":3600,"net_tfa":3600,"tfa_he":32100,"tw":32100,"age":43,"inc":26682,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":37500,"a401":34000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":1430298,"net_nifa":1430298,"tfa":1536798,"net_tfa":1536798,"tfa_he":1686798,"tw":1756798,"age":53,"inc":81948,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":1467798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":740,"hval":150000,"hmort":74400,"hequity":75600,"nifa":77100,"net_nifa":76100,"tfa":77840,"net_tfa":76840,"tfa_he":152440,"tw":152440,"age":38,"inc":100452,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":76100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3900,"a401":12000,"hval":60000,"hmort":25000,"hequity":35000,"nifa":134200,"net_nifa":133800,"tfa":150100,"net_tfa":149700,"tfa_he":184700,"tw":200725,"age":50,"inc":55296,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.78569,"net_n401":137700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19200,"a401":29044,"hval":65000,"hmort":25000,"hequity":40000,"nifa":24352,"net_nifa":24352,"tfa":72596,"net_tfa":72596,"tfa_he":112596,"tw":112596,"age":63,"inc":53757,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":43552,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4782,"hval":150000,"hmort":120000,"hequity":30000,"nifa":22979,"net_nifa":17166,"tfa":27761,"net_tfa":21948,"tfa_he":51948,"tw":66948,"age":57,"inc":54723,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":17166,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2895,"net_nifa":1730,"tfa":2895,"net_tfa":1730,"tfa_he":1730,"tw":2380,"age":26,"inc":20724,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1730,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":60000,"hval":0,"hmort":0,"hequity":0,"nifa":43999,"net_nifa":43669,"tfa":107999,"net_tfa":107669,"tfa_he":107669,"tw":107669,"age":64,"inc":70974,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.55004,"net_n401":47669,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":33000,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-2100,"tfa":34500,"net_tfa":30900,"tfa_he":30900,"tw":30900,"age":26,"inc":36459,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":950,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":950,"net_tfa":950,"tfa_he":950,"tw":950,"age":44,"inc":19173,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":23000,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-2900,"tfa":23100,"net_tfa":20100,"tfa_he":20100,"tw":55600,"age":41,"inc":50268,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-2900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":70000,"hmort":67000,"hequity":3000,"nifa":15472,"net_nifa":7972,"tfa":32472,"net_tfa":24972,"tfa_he":27972,"tw":29147,"age":49,"inc":43920,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":7972,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":200,"hval":150000,"hmort":0,"hequity":150000,"nifa":11249,"net_nifa":11249,"tfa":25449,"net_tfa":25449,"tfa_he":175449,"tw":175449,"age":56,"inc":33717,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":25249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6500,"tfa":6500,"net_tfa":6500,"tfa_he":6500,"tw":43012,"age":48,"inc":79311,"fsize":1,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15000,"hval":50000,"hmort":40000,"hequity":10000,"nifa":2599,"net_nifa":-901,"tfa":17599,"net_tfa":14099,"tfa_he":24099,"tw":39920,"age":54,"inc":28047,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-901,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20500,"hval":140000,"hmort":89900,"hequity":50100,"nifa":18400,"net_nifa":16000,"tfa":38900,"net_tfa":36500,"tfa_he":86600,"tw":93600,"age":34,"inc":69942,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":650,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-550,"tfa":650,"net_tfa":100,"tfa_he":100,"tw":1275,"age":32,"inc":36000,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":12000,"hval":60000,"hmort":40000,"hequity":20000,"nifa":74800,"net_nifa":73300,"tfa":104800,"net_tfa":103300,"tfa_he":123300,"tw":140300,"age":43,"inc":58050,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":91300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":60000,"hmort":0,"hequity":60000,"nifa":2039,"net_nifa":2039,"tfa":24039,"net_tfa":24039,"tfa_he":84039,"tw":84039,"age":48,"inc":11310,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2039,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":50000,"hmort":47000,"hequity":3000,"nifa":16999,"net_nifa":16799,"tfa":18999,"net_tfa":18799,"tfa_he":21799,"tw":23799,"age":57,"inc":32100,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":16799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":127000,"hmort":118000,"hequity":9000,"nifa":7400,"net_nifa":6600,"tfa":7400,"net_tfa":6600,"tfa_he":15600,"tw":21350,"age":27,"inc":39288,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":6600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":67500,"hmort":67000,"hequity":500,"nifa":4900,"net_nifa":-100,"tfa":5900,"net_tfa":900,"tfa_he":1400,"tw":4400,"age":59,"inc":49839,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1200,"a401":900,"hval":109000,"hmort":75000,"hequity":34000,"nifa":35000,"net_nifa":34400,"tfa":37100,"net_tfa":36500,"tfa_he":70500,"tw":70500,"age":56,"inc":34743,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":35600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":560,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-800,"tfa":760,"net_tfa":-240,"tfa_he":-240,"tw":-240,"age":27,"inc":23097,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12353,"net_nifa":10853,"tfa":12353,"net_tfa":10853,"tfa_he":10853,"tw":14353,"age":45,"inc":28602,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":10853,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5075,"hval":55000,"hmort":48000,"hequity":7000,"nifa":5150,"net_nifa":5150,"tfa":10225,"net_tfa":10225,"tfa_he":17225,"tw":17225,"age":30,"inc":64731,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":5150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":77000,"hequity":173000,"nifa":266499,"net_nifa":266499,"tfa":266499,"net_tfa":266499,"tfa_he":439499,"tw":459499,"age":36,"inc":67470,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":266499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6300,"a401":35600,"hval":71500,"hmort":60000,"hequity":11500,"nifa":6100,"net_nifa":4950,"tfa":48000,"net_tfa":46850,"tfa_he":58350,"tw":61050,"age":43,"inc":43788,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":11250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":31499,"net_nifa":31499,"tfa":31499,"net_tfa":31499,"tfa_he":106499,"tw":108893,"age":55,"inc":15225,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":31499,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8500,"a401":0,"hval":140000,"hmort":80000,"hequity":60000,"nifa":40517,"net_nifa":40225,"tfa":49017,"net_tfa":48725,"tfa_he":108725,"tw":114475,"age":39,"inc":48888,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":48725,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":56000,"hmort":16000,"hequity":40000,"nifa":547,"net_nifa":-1231,"tfa":1077,"net_tfa":-701,"tfa_he":39299,"tw":39799,"age":32,"inc":15384,"fsize":6,"educ":7,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1231,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":89000,"hequity":0,"nifa":200,"net_nifa":-502302,"tfa":200,"net_tfa":-502302,"tfa_he":-502302,"tw":-502302,"age":46,"inc":21240,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-502302,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":800,"hval":58000,"hmort":0,"hequity":58000,"nifa":300,"net_nifa":-895,"tfa":1100,"net_tfa":-95,"tfa_he":57905,"tw":73955,"age":33,"inc":28713,"fsize":2,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":-895,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":35600,"hval":100000,"hmort":82500,"hequity":17500,"nifa":1894,"net_nifa":1544,"tfa":37494,"net_tfa":37144,"tfa_he":54644,"tw":70044,"age":37,"inc":42975,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":1544,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21000,"a401":80000,"hval":95000,"hmort":25000,"hequity":70000,"nifa":19999,"net_nifa":16999,"tfa":120999,"net_tfa":117999,"tfa_he":187999,"tw":192499,"age":60,"inc":66921,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":37999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":58000,"hmort":27500,"hequity":30500,"nifa":7748,"net_nifa":7748,"tfa":7748,"net_tfa":7748,"tfa_he":38248,"tw":83248,"age":60,"inc":14523,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":7748,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":7500,"hval":98000,"hmort":75000,"hequity":23000,"nifa":1249,"net_nifa":1249,"tfa":8749,"net_tfa":8749,"tfa_he":31749,"tw":53111,"age":42,"inc":26475,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5254,"hval":116000,"hmort":70000,"hequity":46000,"nifa":207,"net_nifa":-3293,"tfa":5461,"net_tfa":1961,"tfa_he":47961,"tw":47961,"age":40,"inc":27117,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3293,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":28000,"hequity":17000,"nifa":949,"net_nifa":-151,"tfa":949,"net_tfa":-151,"tfa_he":16849,"tw":20699,"age":59,"inc":37950,"fsize":3,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":-151,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":8672,"hval":30000,"hmort":0,"hequity":30000,"nifa":1071,"net_nifa":212,"tfa":9743,"net_tfa":8884,"tfa_he":38884,"tw":176884,"age":48,"inc":45600,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":212,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":100000,"hmort":69000,"hequity":31000,"nifa":149,"net_nifa":-151,"tfa":1149,"net_tfa":849,"tfa_he":31849,"tw":99711,"age":54,"inc":18756,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-151,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":17000,"hequity":48000,"nifa":1777,"net_nifa":977,"tfa":1777,"net_tfa":977,"tfa_he":48977,"tw":54177,"age":43,"inc":47946,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":977,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":60000,"hmort":40000,"hequity":20000,"nifa":1800,"net_nifa":-7800,"tfa":7800,"net_tfa":-1800,"tfa_he":18200,"tw":18200,"age":33,"inc":25686,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-7800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-700,"tfa":100,"net_tfa":-700,"tfa_he":-700,"tw":-200,"age":41,"inc":9300,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-700,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":1350,"tfa":3600,"net_tfa":3350,"tfa_he":3350,"tw":134805,"age":28,"inc":36084,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":1350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":187000,"hmort":150000,"hequity":37000,"nifa":2300,"net_nifa":-9700,"tfa":8300,"net_tfa":-3700,"tfa_he":33300,"tw":39300,"age":37,"inc":78630,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-9700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":999,"net_nifa":199,"tfa":999,"net_tfa":199,"tfa_he":125199,"tw":130049,"age":51,"inc":17535,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":199,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":64,"net_nifa":-24,"tfa":1064,"net_tfa":976,"tfa_he":976,"tw":976,"age":36,"inc":21753,"fsize":6,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-24,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":3500,"hval":40000,"hmort":38500,"hequity":1500,"nifa":27400,"net_nifa":24400,"tfa":34900,"net_tfa":31900,"tfa_he":33400,"tw":48400,"age":41,"inc":58200,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":28400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":5299,"net_tfa":5299,"tfa_he":5299,"tw":5299,"age":27,"inc":26901,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2062,"net_n401":5299,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":8461,"age":34,"inc":9906,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":46000,"a401":60000,"hval":140000,"hmort":26000,"hequity":114000,"nifa":36000,"net_nifa":35550,"tfa":142000,"net_tfa":141550,"tfa_he":255550,"tw":255550,"age":53,"inc":114396,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":81550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":45000,"hmort":37500,"hequity":7500,"nifa":400,"net_nifa":-3300,"tfa":2400,"net_tfa":-1300,"tfa_he":6200,"tw":20200,"age":35,"inc":40560,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":2700,"net_tfa":2700,"tfa_he":2700,"tw":2700,"age":27,"inc":22950,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":955,"net_nifa":-1845,"tfa":955,"net_tfa":-1845,"tfa_he":2155,"tw":2407,"age":30,"inc":22413,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1845,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":30000,"hequity":60000,"nifa":19979,"net_nifa":19679,"tfa":19979,"net_tfa":19679,"tfa_he":79679,"tw":79679,"age":49,"inc":58920,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":19679,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":40000,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":560000,"net_nifa":491900,"tfa":680000,"net_tfa":611900,"tfa_he":761900,"tw":1046900,"age":55,"inc":137451,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":531900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":148000,"hmort":131000,"hequity":17000,"nifa":5668,"net_nifa":5518,"tfa":5668,"net_tfa":5518,"tfa_he":22518,"tw":37518,"age":35,"inc":75603,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":5518,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":-8000,"tfa":7000,"net_tfa":-8000,"tfa_he":-8000,"tw":-8000,"age":36,"inc":62370,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-8000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":140000,"hmort":55000,"hequity":85000,"nifa":42598,"net_nifa":42098,"tfa":46098,"net_tfa":45598,"tfa_he":130598,"tw":143598,"age":36,"inc":39597,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":42098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":70000,"hequity":15000,"nifa":7999,"net_nifa":3499,"tfa":7999,"net_tfa":3499,"tfa_he":18499,"tw":18499,"age":48,"inc":50904,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":3499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":190000,"hmort":50000,"hequity":140000,"nifa":81550,"net_nifa":81550,"tfa":84050,"net_tfa":84050,"tfa_he":224050,"tw":349400,"age":52,"inc":48639,"fsize":5,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":81550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":24000,"hmort":24000,"hequity":0,"nifa":0,"net_nifa":0,"tfa":7000,"net_tfa":7000,"tfa_he":7000,"tw":7000,"age":45,"inc":20400,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":16000,"hval":0,"hmort":0,"hequity":0,"nifa":150999,"net_nifa":150999,"tfa":166999,"net_tfa":166999,"tfa_he":166999,"tw":172249,"age":51,"inc":37980,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":150999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":50149,"net_nifa":50149,"tfa":73149,"net_tfa":73149,"tfa_he":73149,"tw":76149,"age":54,"inc":84279,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":72149,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":47000,"hmort":9000,"hequity":38000,"nifa":10200,"net_nifa":9700,"tfa":10200,"net_tfa":9700,"tfa_he":47700,"tw":51050,"age":33,"inc":27582,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":9700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":68000,"hmort":54000,"hequity":14000,"nifa":5500,"net_nifa":5000,"tfa":8000,"net_tfa":7500,"tfa_he":21500,"tw":27500,"age":28,"inc":53664,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":285000,"hmort":0,"hequity":285000,"nifa":137499,"net_nifa":136899,"tfa":137499,"net_tfa":136899,"tfa_he":421899,"tw":421899,"age":63,"inc":49440,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":136899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":17000,"a401":1600,"hval":240000,"hmort":135000,"hequity":105000,"nifa":9000,"net_nifa":9000,"tfa":27600,"net_tfa":27600,"tfa_he":132600,"tw":147375,"age":38,"inc":96756,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":962,"age":40,"inc":12360,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1500,"tfa":21000,"net_tfa":18500,"tfa_he":18500,"tw":21553,"age":43,"inc":24060,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":8500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":67223,"a401":5000,"hval":65000,"hmort":45500,"hequity":19500,"nifa":3299,"net_nifa":3199,"tfa":75522,"net_tfa":75422,"tfa_he":94922,"tw":249922,"age":52,"inc":70047,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":70422,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":438,"hval":0,"hmort":0,"hequity":0,"nifa":1989,"net_nifa":1989,"tfa":2427,"net_tfa":2427,"tfa_he":2427,"tw":2927,"age":40,"inc":64044,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":1989,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":45000,"hval":120000,"hmort":80000,"hequity":40000,"nifa":2400,"net_nifa":-7600,"tfa":47400,"net_tfa":37400,"tfa_he":77400,"tw":77400,"age":56,"inc":49380,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-7600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":640,"hval":82000,"hmort":79000,"hequity":3000,"nifa":5655,"net_nifa":-10345,"tfa":6295,"net_tfa":-9705,"tfa_he":-6705,"tw":2295,"age":35,"inc":59187,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10345,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6500,"hval":0,"hmort":0,"hequity":0,"nifa":17400,"net_nifa":11400,"tfa":23900,"net_tfa":17900,"tfa_he":17900,"tw":25068,"age":28,"inc":70071,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":11400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":1600,"age":25,"inc":18258,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":115000,"hequity":45000,"nifa":46400,"net_nifa":41400,"tfa":46400,"net_tfa":41400,"tfa_he":86400,"tw":141400,"age":44,"inc":73560,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":41400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":3200,"hval":250000,"hmort":38500,"hequity":211500,"nifa":41000,"net_nifa":39500,"tfa":52200,"net_tfa":50700,"tfa_he":262200,"tw":262200,"age":42,"inc":80400,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":47500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":9500,"hmort":0,"hequity":9500,"nifa":103000,"net_nifa":100000,"tfa":103000,"net_tfa":100000,"tfa_he":109500,"tw":259500,"age":62,"inc":66453,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":32800,"hval":115000,"hmort":36000,"hequity":79000,"nifa":16583,"net_nifa":13783,"tfa":49383,"net_tfa":46583,"tfa_he":125583,"tw":125583,"age":42,"inc":65334,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":13783,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":8839,"net_nifa":8352,"tfa":8839,"net_tfa":8352,"tfa_he":103352,"tw":103352,"age":27,"inc":62496,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":8352,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1250,"a401":2100,"hval":70000,"hmort":31200,"hequity":38800,"nifa":6900,"net_nifa":5700,"tfa":10250,"net_tfa":9050,"tfa_he":47850,"tw":47850,"age":55,"inc":37242,"fsize":3,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":6950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3000,"hval":135000,"hmort":110000,"hequity":25000,"nifa":500,"net_nifa":-1300,"tfa":3500,"net_tfa":1700,"tfa_he":26700,"tw":26700,"age":31,"inc":36000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":34000,"hequity":21000,"nifa":8774,"net_nifa":8774,"tfa":8774,"net_tfa":8774,"tfa_he":29774,"tw":29774,"age":44,"inc":41124,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":8774,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4280,"a401":15550,"hval":0,"hmort":0,"hequity":0,"nifa":105340,"net_nifa":105340,"tfa":125170,"net_tfa":125170,"tfa_he":125170,"tw":131340,"age":31,"inc":58095,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.63866,"net_n401":109620,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":4300,"net_tfa":2300,"tfa_he":2300,"tw":2300,"age":27,"inc":16596,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":4000,"net_nifa":3400,"tfa":4000,"net_tfa":3400,"tfa_he":43400,"tw":93400,"age":43,"inc":38496,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":30000,"hequity":15000,"nifa":210,"net_nifa":-16290,"tfa":210,"net_tfa":-16290,"tfa_he":-1290,"tw":-1290,"age":49,"inc":29139,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-16290,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":300,"a401":0,"hval":60000,"hmort":46000,"hequity":14000,"nifa":500,"net_nifa":180,"tfa":800,"net_tfa":480,"tfa_he":14480,"tw":22480,"age":32,"inc":39453,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":480,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":180,"hval":150000,"hmort":25000,"hequity":125000,"nifa":2030,"net_nifa":-2970,"tfa":2710,"net_tfa":-2290,"tfa_he":122710,"tw":124135,"age":53,"inc":20520,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":-2470,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":6900,"tfa":7000,"net_tfa":6900,"tfa_he":6900,"tw":13000,"age":26,"inc":19560,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":6900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":63367,"hval":300000,"hmort":150000,"hequity":150000,"nifa":56951,"net_nifa":56951,"tfa":120318,"net_tfa":120318,"tfa_he":270318,"tw":280318,"age":40,"inc":49800,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":56951,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":80000,"hmort":0,"hequity":80000,"nifa":7349,"net_nifa":-24060,"tfa":25349,"net_tfa":-6060,"tfa_he":73940,"tw":73940,"age":56,"inc":40389,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-24060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5680,"a401":16000,"hval":120000,"hmort":103000,"hequity":17000,"nifa":11390,"net_nifa":9120,"tfa":33070,"net_tfa":30800,"tfa_he":47800,"tw":50800,"age":27,"inc":73020,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":14800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2120,"hval":98000,"hmort":82500,"hequity":15500,"nifa":9300,"net_nifa":2300,"tfa":11420,"net_tfa":4420,"tfa_he":19920,"tw":19920,"age":29,"inc":50367,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-7150,"tfa":10350,"net_tfa":2850,"tfa_he":2850,"tw":2850,"age":43,"inc":23910,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-7150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":0,"hequity":68000,"nifa":375,"net_nifa":375,"tfa":375,"net_tfa":375,"tfa_he":68375,"tw":74519,"age":41,"inc":51141,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":375,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9060,"a401":0,"hval":80000,"hmort":42000,"hequity":38000,"nifa":14348,"net_nifa":14138,"tfa":23408,"net_tfa":23198,"tfa_he":61198,"tw":66998,"age":38,"inc":55992,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":23198,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":85000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":15300,"net_nifa":15300,"tfa":100300,"net_tfa":100300,"tfa_he":250300,"tw":270300,"age":51,"inc":52800,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":100300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":1350,"net_nifa":650,"tfa":1650,"net_tfa":950,"tfa_he":950,"tw":950,"age":30,"inc":27927,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":650,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":55000,"hmort":28000,"hequity":27000,"nifa":6400,"net_nifa":4000,"tfa":12400,"net_tfa":10000,"tfa_he":37000,"tw":47000,"age":33,"inc":25941,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":750,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":999,"tfa":3749,"net_tfa":1749,"tfa_he":1749,"tw":6991,"age":27,"inc":86574,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":130000,"hmort":80000,"hequity":50000,"nifa":0,"net_nifa":-11300,"tfa":15000,"net_tfa":3700,"tfa_he":53700,"tw":100700,"age":33,"inc":57780,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-11300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":75,"tfa":1100,"net_tfa":1075,"tfa_he":1075,"tw":2444,"age":59,"inc":18468,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":75,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":268,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":268,"net_tfa":-32,"tfa_he":-32,"tw":2468,"age":47,"inc":14280,"fsize":4,"educ":6,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":300,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1000,"net_nifa":500,"tfa":1300,"net_tfa":800,"tfa_he":40800,"tw":40800,"age":44,"inc":23670,"fsize":4,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":15000,"hmort":0,"hequity":15000,"nifa":200,"net_nifa":200,"tfa":730,"net_tfa":730,"tfa_he":15730,"tw":23930,"age":29,"inc":13590,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":5000,"age":43,"inc":4605,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.04868,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":36000,"hval":140000,"hmort":117000,"hequity":23000,"nifa":43400,"net_nifa":40900,"tfa":81900,"net_tfa":79400,"tfa_he":102400,"tw":195400,"age":53,"inc":110643,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":43400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":2614,"net_nifa":2614,"tfa":15614,"net_tfa":15614,"tfa_he":15614,"tw":17413,"age":32,"inc":54183,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":2614,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":403,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":99,"tfa":502,"net_tfa":502,"tfa_he":502,"tw":502,"age":38,"inc":15126,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":99,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6181,"a401":5623,"hval":180000,"hmort":72000,"hequity":108000,"nifa":22770,"net_nifa":22770,"tfa":34574,"net_tfa":34574,"tfa_he":142574,"tw":151074,"age":52,"inc":75759,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":28951,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":23000,"hmort":23000,"hequity":0,"nifa":3225,"net_nifa":2775,"tfa":7225,"net_tfa":6775,"tfa_he":6775,"tw":6775,"age":51,"inc":28902,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2775,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":68000,"hmort":64000,"hequity":4000,"nifa":7800,"net_nifa":2300,"tfa":10800,"net_tfa":5300,"tfa_he":9300,"tw":21300,"age":37,"inc":58164,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-600,"tfa":2700,"net_tfa":1900,"tfa_he":1900,"tw":1900,"age":37,"inc":49965,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":31000,"hval":90000,"hmort":0,"hequity":90000,"nifa":59798,"net_nifa":59798,"tfa":90798,"net_tfa":90798,"tfa_he":180798,"tw":186798,"age":41,"inc":41751,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":59798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":220,"hval":300000,"hmort":0,"hequity":300000,"nifa":341400,"net_nifa":341400,"tfa":351620,"net_tfa":351620,"tfa_he":651620,"tw":655620,"age":42,"inc":98292,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":351400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":22500,"hequity":47500,"nifa":80,"net_nifa":-3420,"tfa":80,"net_tfa":-3420,"tfa_he":44080,"tw":47413,"age":51,"inc":31242,"fsize":4,"educ":1,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":-3420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":6200,"hequity":15800,"nifa":5050,"net_nifa":-2050,"tfa":5050,"net_tfa":-2050,"tfa_he":13750,"tw":18992,"age":48,"inc":21969,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-2050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":98000,"hequity":52000,"nifa":10300,"net_nifa":10300,"tfa":10300,"net_tfa":10300,"tfa_he":62300,"tw":62300,"age":32,"inc":55602,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":10300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4800,"a401":17300,"hval":165000,"hmort":86000,"hequity":79000,"nifa":124200,"net_nifa":119200,"tfa":146300,"net_tfa":141300,"tfa_he":220300,"tw":240300,"age":53,"inc":139938,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":124000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":75000,"hmort":72000,"hequity":3000,"nifa":47500,"net_nifa":46700,"tfa":57500,"net_tfa":56700,"tfa_he":59700,"tw":153700,"age":36,"inc":70746,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":56700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":27500,"a401":81800,"hval":275000,"hmort":150000,"hequity":125000,"nifa":3300,"net_nifa":-12700,"tfa":112600,"net_tfa":96600,"tfa_he":221600,"tw":224100,"age":42,"inc":111978,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":14800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":179000,"hmort":150000,"hequity":29000,"nifa":4200,"net_nifa":-3800,"tfa":4200,"net_tfa":-3800,"tfa_he":25200,"tw":39200,"age":30,"inc":62700,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":60200,"hequity":34800,"nifa":15000,"net_nifa":13800,"tfa":15000,"net_tfa":13800,"tfa_he":48600,"tw":49698,"age":36,"inc":35520,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":13800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":210000,"hmort":97000,"hequity":113000,"nifa":300,"net_nifa":-4530,"tfa":1600,"net_tfa":-3230,"tfa_he":109770,"tw":237270,"age":52,"inc":78243,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-4530,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5906,"a401":5676,"hval":220000,"hmort":108600,"hequity":111400,"nifa":22190,"net_nifa":18275,"tfa":33772,"net_tfa":29857,"tfa_he":141257,"tw":146257,"age":36,"inc":61920,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":24181,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":950,"hval":0,"hmort":0,"hequity":0,"nifa":14,"net_nifa":14,"tfa":964,"net_tfa":964,"tfa_he":964,"tw":964,"age":37,"inc":18540,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":14,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":30000,"hmort":0,"hequity":30000,"nifa":1399,"net_nifa":1379,"tfa":1699,"net_tfa":1679,"tfa_he":31679,"tw":43029,"age":56,"inc":10830,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":1379,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":18000,"hval":82500,"hmort":78000,"hequity":4500,"nifa":5000,"net_nifa":3100,"tfa":23000,"net_tfa":21100,"tfa_he":25600,"tw":30050,"age":32,"inc":58710,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":3100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":169000,"hmort":150000,"hequity":19000,"nifa":2600,"net_nifa":-25000,"tfa":2600,"net_tfa":-25000,"tfa_he":-6000,"tw":-4200,"age":54,"inc":50940,"fsize":3,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.66883,"net_n401":-25000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":38000,"hmort":38000,"hequity":0,"nifa":1148,"net_nifa":-902,"tfa":2148,"net_tfa":98,"tfa_he":98,"tw":98,"age":39,"inc":16779,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-902,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-2600,"tfa":5200,"net_tfa":2400,"tfa_he":2400,"tw":3950,"age":33,"inc":21933,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":89000,"hmort":79000,"hequity":10000,"nifa":1899,"net_nifa":-4101,"tfa":11899,"net_tfa":5899,"tfa_he":15899,"tw":17299,"age":44,"inc":63849,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-4101,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1149,"net_nifa":1149,"tfa":1149,"net_tfa":1149,"tfa_he":1149,"tw":1149,"age":43,"inc":22527,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1149,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":23000,"hval":300000,"hmort":50500,"hequity":249500,"nifa":1050,"net_nifa":-6950,"tfa":24050,"net_tfa":16050,"tfa_he":265550,"tw":274474,"age":46,"inc":45486,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.42001,"net_n401":-6950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-4850,"tfa":650,"net_tfa":-4850,"tfa_he":-4850,"tw":-3725,"age":36,"inc":23100,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-4850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":95000,"hmort":90000,"hequity":5000,"nifa":14299,"net_nifa":13299,"tfa":16799,"net_tfa":15799,"tfa_he":20799,"tw":66799,"age":32,"inc":75045,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":13299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":28000,"hval":80000,"hmort":42000,"hequity":38000,"nifa":5536,"net_nifa":-10464,"tfa":59536,"net_tfa":43536,"tfa_he":81536,"tw":101036,"age":62,"inc":55128,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":15536,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":16500,"a401":0,"hval":125000,"hmort":58000,"hequity":67000,"nifa":15998,"net_nifa":15748,"tfa":52498,"net_tfa":52248,"tfa_he":119248,"tw":119248,"age":60,"inc":78432,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":32248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6000,"hval":65000,"hmort":42000,"hequity":23000,"nifa":3000,"net_nifa":2000,"tfa":9000,"net_tfa":8000,"tfa_he":31000,"tw":41000,"age":43,"inc":54735,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":13000,"hequity":14000,"nifa":500,"net_nifa":-2500,"tfa":500,"net_tfa":-2500,"tfa_he":11500,"tw":14000,"age":42,"inc":33804,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":42000,"hmort":28000,"hequity":14000,"nifa":430,"net_nifa":347,"tfa":4930,"net_tfa":4847,"tfa_he":18847,"tw":20047,"age":33,"inc":32739,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":347,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":50000,"hequity":150000,"nifa":2300,"net_nifa":1200,"tfa":2300,"net_tfa":1200,"tfa_he":151200,"tw":161200,"age":40,"inc":56037,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":95000,"hmort":30000,"hequity":65000,"nifa":5325,"net_nifa":4925,"tfa":30325,"net_tfa":29925,"tfa_he":94925,"tw":115925,"age":45,"inc":48720,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4925,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3400,"hval":46000,"hmort":17000,"hequity":29000,"nifa":0,"net_nifa":-250,"tfa":3400,"net_tfa":3150,"tfa_he":32150,"tw":32150,"age":32,"inc":28725,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":48000,"hequity":2000,"nifa":1200,"net_nifa":900,"tfa":1200,"net_tfa":900,"tfa_he":2900,"tw":11900,"age":30,"inc":36402,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":1899,"net_nifa":1099,"tfa":2299,"net_tfa":1499,"tfa_he":1499,"tw":12499,"age":38,"inc":28086,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":1099,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13500,"hval":87000,"hmort":65000,"hequity":22000,"nifa":1004998,"net_nifa":1004738,"tfa":1018498,"net_tfa":1018238,"tfa_he":1040238,"tw":1046107,"age":45,"inc":71358,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":1004738,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1373,"hval":65000,"hmort":60000,"hequity":5000,"nifa":1700,"net_nifa":-3185,"tfa":3073,"net_tfa":-1812,"tfa_he":3188,"tw":27188,"age":27,"inc":59841,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3185,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":156000,"hmort":101000,"hequity":55000,"nifa":1500,"net_nifa":-500,"tfa":2500,"net_tfa":500,"tfa_he":55500,"tw":62379,"age":26,"inc":34275,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":65000,"hmort":50000,"hequity":15000,"nifa":9500,"net_nifa":9500,"tfa":10700,"net_tfa":10700,"tfa_he":25700,"tw":27738,"age":54,"inc":27390,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":52000,"a401":52500,"hval":200000,"hmort":85000,"hequity":115000,"nifa":8149,"net_nifa":2149,"tfa":112649,"net_tfa":106649,"tfa_he":221649,"tw":270649,"age":46,"inc":144666,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":54149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":350,"hval":0,"hmort":0,"hequity":0,"nifa":1108,"net_nifa":-2074,"tfa":1458,"net_tfa":-1724,"tfa_he":-1724,"tw":11276,"age":33,"inc":28083,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2074,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-655,"tfa":0,"net_tfa":-655,"tfa_he":-655,"tw":1845,"age":37,"inc":16092,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-655,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":42000,"hequity":98000,"nifa":2899,"net_nifa":2899,"tfa":2899,"net_tfa":2899,"tfa_he":100899,"tw":100899,"age":36,"inc":34962,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":142000,"hmort":120000,"hequity":22000,"nifa":9515,"net_nifa":6515,"tfa":22515,"net_tfa":19515,"tfa_he":41515,"tw":69515,"age":47,"inc":52437,"fsize":4,"educ":17,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":6515,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":15000,"net_tfa":15000,"tfa_he":15000,"tw":22350,"age":34,"inc":31902,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":58424,"hmort":21500,"hequity":36924,"nifa":560,"net_nifa":-2840,"tfa":8560,"net_tfa":5160,"tfa_he":42084,"tw":44759,"age":49,"inc":23976,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-2840,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2600,"a401":1000,"hval":75000,"hmort":46000,"hequity":29000,"nifa":3625,"net_nifa":-11175,"tfa":7225,"net_tfa":-7575,"tfa_he":21425,"tw":48425,"age":36,"inc":47658,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":-8575,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":250,"hval":0,"hmort":0,"hequity":0,"nifa":2525,"net_nifa":1325,"tfa":2775,"net_tfa":1575,"tfa_he":1575,"tw":3475,"age":38,"inc":40596,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":1325,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":71000,"hmort":20000,"hequity":51000,"nifa":23,"net_nifa":-1677,"tfa":41023,"net_tfa":39323,"tfa_he":90323,"tw":92323,"age":56,"inc":20208,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.37883,"net_n401":23323,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":126000,"hmort":123000,"hequity":3000,"nifa":35000,"net_nifa":35000,"tfa":35000,"net_tfa":35000,"tfa_he":38000,"tw":52617,"age":56,"inc":67212,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":35000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1550,"net_nifa":-2450,"tfa":1550,"net_tfa":-2450,"tfa_he":-2450,"tw":-617,"age":27,"inc":48798,"fsize":1,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-2450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":75000,"hequity":35000,"nifa":236,"net_nifa":-64,"tfa":236,"net_tfa":-64,"tfa_he":34936,"tw":34936,"age":47,"inc":20568,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-64,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2400,"a401":6500,"hval":125000,"hmort":119000,"hequity":6000,"nifa":6780,"net_nifa":1380,"tfa":15680,"net_tfa":10280,"tfa_he":16280,"tw":41080,"age":26,"inc":49362,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":3780,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":0,"net_tfa":-700,"tfa_he":-700,"tw":-700,"age":60,"inc":70200,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":-700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4600,"a401":0,"hval":120000,"hmort":45000,"hequity":75000,"nifa":18000,"net_nifa":17750,"tfa":22600,"net_tfa":22350,"tfa_he":97350,"tw":99850,"age":41,"inc":32610,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":22350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":300000,"hmort":75000,"hequity":225000,"nifa":14025,"net_nifa":13525,"tfa":54025,"net_tfa":53525,"tfa_he":278525,"tw":293393,"age":55,"inc":50163,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":13525,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":36000,"hval":110000,"hmort":75000,"hequity":35000,"nifa":15200,"net_nifa":15200,"tfa":51200,"net_tfa":51200,"tfa_he":86200,"tw":86200,"age":36,"inc":64104,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":15200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":96000,"hequity":0,"nifa":655,"net_nifa":-15345,"tfa":655,"net_tfa":-15345,"tfa_he":-15345,"tw":7655,"age":32,"inc":36015,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-15345,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":50000,"hmort":0,"hequity":50000,"nifa":0,"net_nifa":-6000,"tfa":1000,"net_tfa":-5000,"tfa_he":45000,"tw":45000,"age":28,"inc":32160,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":5500,"hmort":3500,"hequity":2000,"nifa":550,"net_nifa":-150,"tfa":3550,"net_tfa":2850,"tfa_he":4850,"tw":6350,"age":38,"inc":24945,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-4300,"tfa":700,"net_tfa":-4300,"tfa_he":-4300,"tw":-4300,"age":31,"inc":29664,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-4300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":62400,"net_nifa":53400,"tfa":65000,"net_tfa":56000,"tfa_he":176000,"tw":179051,"age":49,"inc":61893,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":56000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":157000,"hmort":135000,"hequity":22000,"nifa":8000,"net_nifa":8000,"tfa":9000,"net_tfa":9000,"tfa_he":31000,"tw":31000,"age":59,"inc":102150,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":38,"hval":0,"hmort":0,"hequity":0,"nifa":12,"net_nifa":-512,"tfa":50,"net_tfa":-474,"tfa_he":-474,"tw":-474,"age":26,"inc":18225,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-512,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":6800,"hval":130000,"hmort":74000,"hequity":56000,"nifa":24750,"net_nifa":24550,"tfa":36550,"net_tfa":36350,"tfa_he":92350,"tw":95946,"age":46,"inc":41949,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":29550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5600,"a401":2500,"hval":165000,"hmort":112000,"hequity":53000,"nifa":35400,"net_nifa":33400,"tfa":43500,"net_tfa":41500,"tfa_he":94500,"tw":97000,"age":44,"inc":80904,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":39000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":1200,"hval":120000,"hmort":0,"hequity":120000,"nifa":5500,"net_nifa":5500,"tfa":17700,"net_tfa":17700,"tfa_he":137700,"tw":143675,"age":53,"inc":17880,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":16500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":48000,"hmort":34000,"hequity":14000,"nifa":15,"net_nifa":-2975,"tfa":11015,"net_tfa":8025,"tfa_he":22025,"tw":22025,"age":34,"inc":25068,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2975,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":62500,"hmort":53100,"hequity":9400,"nifa":750,"net_nifa":150,"tfa":17750,"net_tfa":17150,"tfa_he":26550,"tw":26550,"age":36,"inc":38481,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":99000,"hmort":0,"hequity":99000,"nifa":35,"net_nifa":35,"tfa":35,"net_tfa":35,"tfa_he":99035,"tw":101235,"age":25,"inc":9666,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.35361,"net_n401":35,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5950,"net_nifa":5950,"tfa":17950,"net_tfa":17950,"tfa_he":167950,"tw":167950,"age":42,"inc":74529,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":5950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":469,"net_nifa":-531,"tfa":469,"net_tfa":-531,"tfa_he":-531,"tw":-531,"age":54,"inc":33573,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-531,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25000,"a401":6000,"hval":235000,"hmort":8700,"hequity":226300,"nifa":610,"net_nifa":-374,"tfa":31610,"net_tfa":30626,"tfa_he":256926,"tw":256926,"age":38,"inc":36243,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":24626,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13300,"hval":0,"hmort":0,"hequity":0,"nifa":2515,"net_nifa":2515,"tfa":15815,"net_tfa":15815,"tfa_he":15815,"tw":15815,"age":45,"inc":50889,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.59061,"net_n401":2515,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":70000,"hequity":95000,"nifa":1000,"net_nifa":-9000,"tfa":1000,"net_tfa":-9000,"tfa_he":86000,"tw":86000,"age":38,"inc":42546,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":110000,"hmort":110000,"hequity":0,"nifa":1800,"net_nifa":-3200,"tfa":19800,"net_tfa":14800,"tfa_he":14800,"tw":18681,"age":35,"inc":52743,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":912,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-780,"tfa":1612,"net_tfa":132,"tfa_he":132,"tw":1374,"age":26,"inc":14415,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-780,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":85000,"hmort":62000,"hequity":23000,"nifa":550,"net_nifa":-2550,"tfa":3050,"net_tfa":-50,"tfa_he":22950,"tw":29650,"age":27,"inc":38322,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2193,"hval":300000,"hmort":117000,"hequity":183000,"nifa":25150,"net_nifa":25150,"tfa":27343,"net_tfa":27343,"tfa_he":210343,"tw":214593,"age":33,"inc":64878,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":25150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":9200,"tfa":10000,"net_tfa":9200,"tfa_he":9200,"tw":11700,"age":55,"inc":42600,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":9200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":150000,"hmort":115000,"hequity":35000,"nifa":1600,"net_nifa":1550,"tfa":1600,"net_tfa":1550,"tfa_he":36550,"tw":36550,"age":29,"inc":46383,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2600,"hval":0,"hmort":0,"hequity":0,"nifa":2150,"net_nifa":-3178,"tfa":4750,"net_tfa":-578,"tfa_he":-578,"tw":922,"age":36,"inc":34392,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-3178,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":0,"hequity":40000,"nifa":2400,"net_nifa":-100,"tfa":2400,"net_tfa":-100,"tfa_he":39900,"tw":41100,"age":42,"inc":42678,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":63900,"hmort":50000,"hequity":13900,"nifa":2500,"net_nifa":500,"tfa":2500,"net_tfa":500,"tfa_he":14400,"tw":14400,"age":33,"inc":24351,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":12050,"net_nifa":10050,"tfa":15250,"net_tfa":13250,"tfa_he":13250,"tw":13750,"age":47,"inc":47730,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":12050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":80000,"hval":105000,"hmort":40000,"hequity":65000,"nifa":22200,"net_nifa":21080,"tfa":118200,"net_tfa":117080,"tfa_he":182080,"tw":182080,"age":48,"inc":99600,"fsize":3,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37080,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1800,"a401":1200,"hval":100000,"hmort":50000,"hequity":50000,"nifa":1000,"net_nifa":1000,"tfa":4000,"net_tfa":4000,"tfa_he":54000,"tw":54000,"age":41,"inc":39351,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":6100,"tfa":43000,"net_tfa":39100,"tfa_he":39100,"tw":45100,"age":39,"inc":77493,"fsize":2,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.48881,"net_n401":14100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":67000,"hequity":8000,"nifa":1260,"net_nifa":-1840,"tfa":1260,"net_tfa":-1840,"tfa_he":6160,"tw":6160,"age":33,"inc":42408,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-1840,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":50000,"hmort":48000,"hequity":2000,"nifa":240,"net_nifa":-6860,"tfa":7240,"net_tfa":140,"tfa_he":2140,"tw":4640,"age":36,"inc":24045,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-6860,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":80000,"hmort":0,"hequity":80000,"nifa":252699,"net_nifa":252699,"tfa":256699,"net_tfa":256699,"tfa_he":336699,"tw":337949,"age":55,"inc":49050,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":252699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10300,"hval":80000,"hmort":28000,"hequity":52000,"nifa":4800,"net_nifa":4700,"tfa":15100,"net_tfa":15000,"tfa_he":67000,"tw":138787,"age":45,"inc":78663,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":29000,"a401":20000,"hval":230000,"hmort":95000,"hequity":135000,"nifa":30000,"net_nifa":28000,"tfa":79000,"net_tfa":77000,"tfa_he":212000,"tw":212000,"age":51,"inc":89964,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":57000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":80000,"hval":300000,"hmort":60000,"hequity":240000,"nifa":19369,"net_nifa":16069,"tfa":137369,"net_tfa":134069,"tfa_he":374069,"tw":374069,"age":43,"inc":70545,"fsize":6,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":32069,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":0,"hmort":0,"hequity":0,"nifa":2960,"net_nifa":-3140,"tfa":8460,"net_tfa":2360,"tfa_he":2360,"tw":4860,"age":26,"inc":22950,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-3140,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":16000,"hval":125000,"hmort":116000,"hequity":9000,"nifa":13000,"net_nifa":-6800,"tfa":29000,"net_tfa":9200,"tfa_he":18200,"tw":30625,"age":32,"inc":48180,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-6800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":200,"tfa":38000,"net_tfa":30200,"tfa_he":30200,"tw":32625,"age":50,"inc":42780,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":612,"net_nifa":-3588,"tfa":12612,"net_tfa":8412,"tfa_he":8412,"tw":11780,"age":46,"inc":33420,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-3588,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":700,"tw":8025,"age":48,"inc":20439,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1300,"hval":56000,"hmort":39100,"hequity":16900,"nifa":1100,"net_nifa":1100,"tfa":2400,"net_tfa":2400,"tfa_he":19300,"tw":25800,"age":42,"inc":36939,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":117,"hval":50000,"hmort":44000,"hequity":6000,"nifa":0,"net_nifa":-500,"tfa":117,"net_tfa":-383,"tfa_he":5617,"tw":5617,"age":45,"inc":29295,"fsize":8,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1700,"a401":2500,"hval":145000,"hmort":100000,"hequity":45000,"nifa":43900,"net_nifa":23200,"tfa":48100,"net_tfa":27400,"tfa_he":72400,"tw":82400,"age":35,"inc":54009,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":24900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-2100,"tfa":600,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":41,"inc":19527,"fsize":5,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-2100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11400,"a401":5000,"hval":240000,"hmort":103000,"hequity":137000,"nifa":77698,"net_nifa":62698,"tfa":94098,"net_tfa":79098,"tfa_he":216098,"tw":296098,"age":41,"inc":159096,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":74098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":4100,"net_nifa":0,"tfa":11100,"net_tfa":7000,"tfa_he":7000,"tw":10700,"age":29,"inc":37452,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":37045,"a401":6724,"hval":130000,"hmort":116000,"hequity":14000,"nifa":11125,"net_nifa":6825,"tfa":54894,"net_tfa":50594,"tfa_he":64594,"tw":67594,"age":43,"inc":71844,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":43870,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2669,"net_nifa":2369,"tfa":13669,"net_tfa":13369,"tfa_he":13369,"tw":13369,"age":49,"inc":69312,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.55004,"net_n401":13369,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":94000,"hequity":26000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":27000,"tw":31000,"age":41,"inc":24300,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-150,"tfa":400,"net_tfa":-150,"tfa_he":-150,"tw":3593,"age":34,"inc":22170,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":76000,"tw":79000,"age":41,"inc":20400,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21900,"a401":30000,"hval":80000,"hmort":48000,"hequity":32000,"nifa":10702,"net_nifa":3002,"tfa":62602,"net_tfa":54902,"tfa_he":86902,"tw":93602,"age":49,"inc":55428,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":24902,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":30000,"a401":55000,"hval":225000,"hmort":37000,"hequity":188000,"nifa":9500,"net_nifa":9500,"tfa":94500,"net_tfa":94500,"tfa_he":282500,"tw":282500,"age":48,"inc":65940,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":39500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13450,"hval":47000,"hmort":36000,"hequity":11000,"nifa":36,"net_nifa":36,"tfa":13486,"net_tfa":13486,"tfa_he":24486,"tw":28861,"age":46,"inc":12399,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":36,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":8599,"net_nifa":8599,"tfa":25599,"net_tfa":25599,"tfa_he":25599,"tw":28099,"age":37,"inc":35916,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":8599,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":140000,"hmort":84000,"hequity":56000,"nifa":2998,"net_nifa":-4002,"tfa":5498,"net_tfa":-1502,"tfa_he":54498,"tw":54498,"age":49,"inc":40494,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-4002,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":9499,"net_nifa":8899,"tfa":16499,"net_tfa":15899,"tfa_he":15899,"tw":20565,"age":38,"inc":20796,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":12899,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":118000,"hmort":88000,"hequity":30000,"nifa":1200,"net_nifa":-8960,"tfa":1300,"net_tfa":-8860,"tfa_he":21140,"tw":30140,"age":38,"inc":50070,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-8960,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":510,"net_nifa":-55,"tfa":510,"net_tfa":-55,"tfa_he":-55,"tw":1064,"age":36,"inc":15780,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-55,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":36000,"hval":0,"hmort":0,"hequity":0,"nifa":32723,"net_nifa":29923,"tfa":71223,"net_tfa":68423,"tfa_he":68423,"tw":68423,"age":37,"inc":75057,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":32423,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":33000,"hval":50000,"hmort":11000,"hequity":39000,"nifa":2399,"net_nifa":2399,"tfa":45399,"net_tfa":45399,"tfa_he":84399,"tw":84399,"age":52,"inc":49107,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":12399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":86000,"hequity":4000,"nifa":1015,"net_nifa":-2985,"tfa":1015,"net_tfa":-2985,"tfa_he":1015,"tw":56515,"age":42,"inc":33903,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-2985,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":886,"net_nifa":-294,"tfa":3186,"net_tfa":2006,"tfa_he":2006,"tw":5356,"age":53,"inc":16320,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-294,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":30,"hval":52000,"hmort":46000,"hequity":6000,"nifa":798,"net_nifa":798,"tfa":828,"net_tfa":828,"tfa_he":6828,"tw":6828,"age":47,"inc":44838,"fsize":3,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3210,"hval":55000,"hmort":40000,"hequity":15000,"nifa":9011,"net_nifa":8676,"tfa":12221,"net_tfa":11886,"tfa_he":26886,"tw":36591,"age":40,"inc":68388,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":8676,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":42000,"hequity":47000,"nifa":310,"net_nifa":-190,"tfa":310,"net_tfa":-190,"tfa_he":46810,"tw":52035,"age":46,"inc":27900,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-190,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1200,"a401":2500,"hval":100000,"hmort":88500,"hequity":11500,"nifa":6000,"net_nifa":6000,"tfa":9700,"net_tfa":9700,"tfa_he":21200,"tw":27000,"age":31,"inc":45093,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":7200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":45000,"hmort":42000,"hequity":3000,"nifa":4949,"net_nifa":2949,"tfa":5549,"net_tfa":3549,"tfa_he":6549,"tw":13549,"age":31,"inc":13326,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":2949,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10300,"a401":6000,"hval":82000,"hmort":10000,"hequity":72000,"nifa":34799,"net_nifa":31149,"tfa":51099,"net_tfa":47449,"tfa_he":119449,"tw":127449,"age":47,"inc":57492,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":41449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17000,"hval":165000,"hmort":6500,"hequity":158500,"nifa":27779,"net_nifa":26779,"tfa":44779,"net_tfa":43779,"tfa_he":202279,"tw":202279,"age":51,"inc":79665,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":26779,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":895,"net_nifa":-2805,"tfa":1895,"net_tfa":-1805,"tfa_he":-1805,"tw":-780,"age":26,"inc":30720,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-2805,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":23999,"net_nifa":23759,"tfa":29999,"net_tfa":29759,"tfa_he":29759,"tw":40434,"age":25,"inc":30264,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":23759,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":0,"hmort":0,"hequity":0,"nifa":6050,"net_nifa":3750,"tfa":24050,"net_tfa":21750,"tfa_he":21750,"tw":25750,"age":28,"inc":29514,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":3750,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":19000,"hval":70000,"hmort":0,"hequity":70000,"nifa":19499,"net_nifa":19249,"tfa":54499,"net_tfa":54249,"tfa_he":124249,"tw":164249,"age":61,"inc":13596,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14649,"net_n401":35249,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":3711,"net_nifa":-474,"tfa":11711,"net_tfa":7526,"tfa_he":7526,"tw":7826,"age":37,"inc":89451,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":-474,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":30,"inc":27414,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1200,"a401":22000,"hval":120000,"hmort":109000,"hequity":11000,"nifa":22499,"net_nifa":11999,"tfa":45699,"net_tfa":35199,"tfa_he":46199,"tw":59199,"age":39,"inc":61410,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":13199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-150000,"tfa":4500,"net_tfa":-148500,"tfa_he":-148500,"tw":51500,"age":29,"inc":18150,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-150000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4100,"a401":48964,"hval":120000,"hmort":60000,"hequity":60000,"nifa":1780,"net_nifa":1180,"tfa":54844,"net_tfa":54244,"tfa_he":114244,"tw":150244,"age":38,"inc":65151,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":5280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1400,"tfa":21100,"net_tfa":19600,"tfa_he":19600,"tw":19600,"age":31,"inc":36936,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2700,"hval":0,"hmort":0,"hequity":0,"nifa":37700,"net_nifa":37700,"tfa":40400,"net_tfa":40400,"tfa_he":40400,"tw":47143,"age":26,"inc":23235,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":37700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28000,"hmort":6000,"hequity":22000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":19000,"tw":19000,"age":43,"inc":18168,"fsize":7,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":45000,"a401":37000,"hval":100000,"hmort":6000,"hequity":94000,"nifa":2749,"net_nifa":-1251,"tfa":84749,"net_tfa":80749,"tfa_he":174749,"tw":188749,"age":43,"inc":58905,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":43749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-18200,"tfa":25300,"net_tfa":6800,"tfa_he":6800,"tw":6800,"age":46,"inc":83319,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":-18200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":35000,"hequity":65000,"nifa":2800,"net_nifa":2800,"tfa":2800,"net_tfa":2800,"tfa_he":67800,"tw":67800,"age":44,"inc":45744,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12238,"a401":134500,"hval":190000,"hmort":102000,"hequity":88000,"nifa":25000,"net_nifa":25000,"tfa":171738,"net_tfa":171738,"tfa_he":259738,"tw":271738,"age":33,"inc":94737,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37238,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":30050,"net_nifa":14900,"tfa":30050,"net_tfa":14900,"tfa_he":14900,"tw":22925,"age":40,"inc":40440,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":14900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":65000,"hmort":59000,"hequity":6000,"nifa":25450,"net_nifa":14450,"tfa":28450,"net_tfa":17450,"tfa_he":23450,"tw":23450,"age":34,"inc":28740,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":14450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":89000,"hmort":29500,"hequity":59500,"nifa":450,"net_nifa":-450,"tfa":1650,"net_tfa":750,"tfa_he":60250,"tw":61250,"age":31,"inc":30918,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":63000,"hequity":22000,"nifa":700,"net_nifa":-5800,"tfa":700,"net_tfa":-5800,"tfa_he":16200,"tw":16850,"age":36,"inc":52557,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":4000,"hval":190000,"hmort":25000,"hequity":165000,"nifa":115800,"net_nifa":115800,"tfa":135800,"net_tfa":135800,"tfa_he":300800,"tw":300800,"age":46,"inc":72540,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":131800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":22000,"hval":0,"hmort":0,"hequity":0,"nifa":6049,"net_nifa":6049,"tfa":28049,"net_tfa":28049,"tfa_he":28049,"tw":30049,"age":37,"inc":35706,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":6049,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":32000,"hequity":0,"nifa":3600,"net_nifa":-6400,"tfa":3600,"net_tfa":-6400,"tfa_he":-6400,"tw":-2550,"age":43,"inc":45069,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":11500,"hequity":36500,"nifa":340,"net_nifa":-485,"tfa":340,"net_tfa":-485,"tfa_he":36015,"tw":39940,"age":44,"inc":21855,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-485,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":50000,"net_tfa":43000,"tfa_he":43000,"tw":45850,"age":49,"inc":10200,"fsize":2,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-7000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":5000,"hmort":0,"hequity":5000,"nifa":5226,"net_nifa":4846,"tfa":9226,"net_tfa":8846,"tfa_he":13846,"tw":27846,"age":32,"inc":49635,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":4846,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":78000,"hequity":222000,"nifa":15005,"net_nifa":5905,"tfa":15005,"net_tfa":5905,"tfa_he":227905,"tw":232905,"age":36,"inc":48819,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":5905,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":22942,"hval":100000,"hmort":14700,"hequity":85300,"nifa":3129,"net_nifa":2825,"tfa":30071,"net_tfa":29767,"tfa_he":115067,"tw":118067,"age":48,"inc":49701,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":6825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15000,"hval":125000,"hmort":110000,"hequity":15000,"nifa":14599,"net_nifa":6099,"tfa":29599,"net_tfa":21099,"tfa_he":36099,"tw":40499,"age":43,"inc":104232,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":6099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":48300,"hval":125000,"hmort":80000,"hequity":45000,"nifa":21000,"net_nifa":20700,"tfa":69300,"net_tfa":69000,"tfa_he":114000,"tw":119000,"age":35,"inc":68655,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":20700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":92000,"hmort":78500,"hequity":13500,"nifa":4500,"net_nifa":4500,"tfa":7100,"net_tfa":7100,"tfa_he":20600,"tw":71275,"age":26,"inc":59100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":7100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":20000,"hval":57000,"hmort":56000,"hequity":1000,"nifa":1300,"net_nifa":-2710,"tfa":36300,"net_tfa":32290,"tfa_he":33290,"tw":33290,"age":48,"inc":98034,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":12290,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-1700,"tfa":300,"net_tfa":-1700,"tfa_he":-1700,"tw":400,"age":26,"inc":18378,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-1700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5500,"a401":4000,"hval":150000,"hmort":96500,"hequity":53500,"nifa":3899,"net_nifa":-9571,"tfa":13399,"net_tfa":-71,"tfa_he":53429,"tw":53429,"age":34,"inc":36147,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":-4071,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":20500,"hval":85000,"hmort":60000,"hequity":25000,"nifa":1120,"net_nifa":720,"tfa":21620,"net_tfa":21220,"tfa_he":46220,"tw":56020,"age":36,"inc":45855,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":720,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":3250,"net_nifa":3050,"tfa":3350,"net_tfa":3150,"tfa_he":3150,"tw":24150,"age":28,"inc":42345,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":3050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":50000,"hequity":45000,"nifa":6500,"net_nifa":6400,"tfa":6500,"net_tfa":6400,"tfa_he":51400,"tw":57400,"age":33,"inc":71061,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":50000,"hmort":13000,"hequity":37000,"nifa":16000,"net_nifa":14200,"tfa":56000,"net_tfa":54200,"tfa_he":91200,"tw":95200,"age":52,"inc":50220,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":14200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2300,"hval":100000,"hmort":40000,"hequity":60000,"nifa":1450,"net_nifa":-550,"tfa":3750,"net_tfa":1750,"tfa_he":61750,"tw":64883,"age":44,"inc":38820,"fsize":2,"educ":9,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":-550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":14000,"hval":159000,"hmort":137000,"hequity":22000,"nifa":6150,"net_nifa":-3750,"tfa":34150,"net_tfa":24250,"tfa_he":46250,"tw":51250,"age":37,"inc":93090,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":10250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10800,"hval":80000,"hmort":0,"hequity":80000,"nifa":1000,"net_nifa":-2000,"tfa":21800,"net_tfa":18800,"tfa_he":98800,"tw":117800,"age":27,"inc":43275,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-4700,"tfa":7400,"net_tfa":2300,"tfa_he":2300,"tw":5650,"age":35,"inc":31224,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10025,"a401":36000,"hval":95000,"hmort":61500,"hequity":33500,"nifa":16718,"net_nifa":10918,"tfa":62743,"net_tfa":56943,"tfa_he":90443,"tw":94443,"age":47,"inc":61575,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":20943,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":35000,"hval":130000,"hmort":129000,"hequity":1000,"nifa":25000,"net_nifa":25000,"tfa":64000,"net_tfa":64000,"tfa_he":65000,"tw":65000,"age":28,"inc":96339,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":390,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-3300,"tfa":590,"net_tfa":-2910,"tfa_he":-2910,"tw":-2910,"age":50,"inc":24114,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-3300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1500,"a401":6000,"hval":70000,"hmort":21100,"hequity":48900,"nifa":14500,"net_nifa":13500,"tfa":22000,"net_tfa":21000,"tfa_he":69900,"tw":133900,"age":50,"inc":67335,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":4000,"hval":135000,"hmort":121000,"hequity":14000,"nifa":8420,"net_nifa":3220,"tfa":17420,"net_tfa":12220,"tfa_he":26220,"tw":26220,"age":31,"inc":71673,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":8220,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":1000,"hval":150000,"hmort":85000,"hequity":65000,"nifa":57999,"net_nifa":55899,"tfa":72999,"net_tfa":70899,"tfa_he":135899,"tw":140599,"age":49,"inc":91362,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":69899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":102500,"hequity":42500,"nifa":0,"net_nifa":-1600,"tfa":0,"net_tfa":-1600,"tfa_he":40900,"tw":45125,"age":27,"inc":54444,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":75000,"hmort":20080,"hequity":54920,"nifa":100,"net_nifa":-3200,"tfa":180,"net_tfa":-3120,"tfa_he":51800,"tw":60800,"age":25,"inc":34800,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":66000,"hmort":48000,"hequity":18000,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":20500,"tw":35500,"age":37,"inc":89319,"fsize":7,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6500,"a401":50000,"hval":220000,"hmort":111000,"hequity":109000,"nifa":108000,"net_nifa":106800,"tfa":164500,"net_tfa":163300,"tfa_he":272300,"tw":461675,"age":53,"inc":9294,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.26963,"net_n401":113300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":70000,"hmort":65000,"hequity":5000,"nifa":357700,"net_nifa":345700,"tfa":362700,"net_tfa":350700,"tfa_he":355700,"tw":364700,"age":32,"inc":53880,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":345700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":4000,"net_nifa":500,"tfa":34000,"net_tfa":30500,"tfa_he":180500,"tw":196000,"age":42,"inc":60069,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-21000,"tfa":51000,"net_tfa":29000,"tfa_he":29000,"tw":32733,"age":35,"inc":59430,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":-21000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":36000,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":25,"tfa":36025,"net_tfa":36025,"tfa_he":36025,"tw":36025,"age":60,"inc":10755,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":25,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-5900,"tfa":1000,"net_tfa":-5500,"tfa_he":-5500,"tw":-4300,"age":26,"inc":18666,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-5900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":125000,"hmort":20000,"hequity":105000,"nifa":500,"net_nifa":-2500,"tfa":30500,"net_tfa":27500,"tfa_he":132500,"tw":135850,"age":54,"inc":36375,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":42000,"hval":73000,"hmort":24000,"hequity":49000,"nifa":2412,"net_nifa":1612,"tfa":44412,"net_tfa":43612,"tfa_he":92612,"tw":94612,"age":57,"inc":39921,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1612,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":29,"net_nifa":-2971,"tfa":4029,"net_tfa":1029,"tfa_he":1029,"tw":7029,"age":32,"inc":15840,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-2971,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":168500,"hmort":112000,"hequity":56500,"nifa":599,"net_nifa":599,"tfa":6599,"net_tfa":6599,"tfa_he":63099,"tw":63099,"age":40,"inc":65844,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":6599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":40000,"hmort":21000,"hequity":19000,"nifa":0,"net_nifa":-3500,"tfa":22000,"net_tfa":18500,"tfa_he":37500,"tw":37500,"age":51,"inc":24087,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":23400,"a401":2500,"hval":65000,"hmort":35345,"hequity":29655,"nifa":56100,"net_nifa":55423,"tfa":82000,"net_tfa":81323,"tfa_he":110978,"tw":124478,"age":44,"inc":51294,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":78823,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":48000,"hmort":46000,"hequity":2000,"nifa":180,"net_nifa":180,"tfa":1680,"net_tfa":1680,"tfa_he":3680,"tw":5680,"age":33,"inc":20130,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":180,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5200,"tfa":0,"net_tfa":-5200,"tfa_he":-5200,"tw":-3700,"age":50,"inc":23136,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-5200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":250000,"hmort":45000,"hequity":205000,"nifa":2000,"net_nifa":1750,"tfa":82000,"net_tfa":81750,"tfa_he":286750,"tw":286750,"age":64,"inc":69900,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":9000,"hval":82000,"hmort":65000,"hequity":17000,"nifa":1549,"net_nifa":1549,"tfa":10549,"net_tfa":10549,"tfa_he":27549,"tw":31549,"age":32,"inc":28935,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1549,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":35000,"hmort":33250,"hequity":1750,"nifa":194,"net_nifa":-1006,"tfa":1194,"net_tfa":-6,"tfa_he":1744,"tw":1744,"age":35,"inc":16347,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":-1006,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":53300,"hval":210000,"hmort":137000,"hequity":73000,"nifa":1999,"net_nifa":-2801,"tfa":55299,"net_tfa":50499,"tfa_he":123499,"tw":123499,"age":53,"inc":78801,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":-2801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":28,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-306,"tfa":28,"net_tfa":-278,"tfa_he":-278,"tw":2055,"age":28,"inc":12684,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-306,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":225000,"hmort":31000,"hequity":194000,"nifa":41400,"net_nifa":41400,"tfa":61400,"net_tfa":61400,"tfa_he":255400,"tw":269496,"age":54,"inc":81282,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":61400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":92000,"hmort":63000,"hequity":29000,"nifa":23405,"net_nifa":22705,"tfa":103405,"net_tfa":102705,"tfa_he":131705,"tw":131705,"age":45,"inc":71010,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":22705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1300,"hval":70000,"hmort":64000,"hequity":6000,"nifa":500,"net_nifa":500,"tfa":1800,"net_tfa":1800,"tfa_he":7800,"tw":7800,"age":34,"inc":21600,"fsize":7,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":19790,"a401":10000,"hval":140000,"hmort":35000,"hequity":105000,"nifa":122500,"net_nifa":122500,"tfa":152290,"net_tfa":152290,"tfa_he":257290,"tw":258290,"age":51,"inc":52410,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":142290,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":45500,"hmort":45500,"hequity":0,"nifa":75,"net_nifa":-1425,"tfa":75,"net_tfa":-1425,"tfa_he":-1425,"tw":-275,"age":32,"inc":24678,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1425,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10842,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1499,"net_nifa":-4501,"tfa":12341,"net_tfa":6341,"tfa_he":6341,"tw":15191,"age":35,"inc":10578,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.32681,"net_n401":6341,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5533,"net_nifa":4339,"tfa":5533,"net_tfa":4339,"tfa_he":4339,"tw":10889,"age":38,"inc":28131,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4339,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":145000,"hmort":135000,"hequity":10000,"nifa":25550,"net_nifa":25550,"tfa":32550,"net_tfa":32550,"tfa_he":42550,"tw":42550,"age":26,"inc":73902,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":25550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5200,"a401":5000,"hval":30000,"hmort":0,"hequity":30000,"nifa":200,"net_nifa":-650,"tfa":10400,"net_tfa":9550,"tfa_he":39550,"tw":39550,"age":43,"inc":40854,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":50000,"hmort":0,"hequity":50000,"nifa":772,"net_nifa":-228,"tfa":3072,"net_tfa":2072,"tfa_he":52072,"tw":53072,"age":55,"inc":32805,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-228,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":2000,"net_nifa":-6000,"tfa":2000,"net_tfa":-6000,"tfa_he":-6000,"tw":-6000,"age":29,"inc":52800,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1800,"a401":19000,"hval":70000,"hmort":0,"hequity":70000,"nifa":17000,"net_nifa":17000,"tfa":37800,"net_tfa":37800,"tfa_he":107800,"tw":112225,"age":57,"inc":11520,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.31086,"net_n401":18800,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5690,"hval":0,"hmort":0,"hequity":0,"nifa":12400,"net_nifa":12400,"tfa":18090,"net_tfa":18090,"tfa_he":18090,"tw":20243,"age":41,"inc":34692,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":12400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":720,"hval":97000,"hmort":97000,"hequity":0,"nifa":38316,"net_nifa":38316,"tfa":39036,"net_tfa":39036,"tfa_he":39036,"tw":44997,"age":42,"inc":29289,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":38316,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5400,"net_nifa":900,"tfa":5400,"net_tfa":900,"tfa_he":900,"tw":7775,"age":43,"inc":27204,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":49500,"hmort":22000,"hequity":27500,"nifa":9300,"net_nifa":9040,"tfa":9300,"net_tfa":9040,"tfa_he":36540,"tw":45525,"age":44,"inc":31665,"fsize":4,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":9040,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4600,"net_nifa":2600,"tfa":6100,"net_tfa":4100,"tfa_he":4100,"tw":60600,"age":38,"inc":70692,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":92000,"hmort":85000,"hequity":7000,"nifa":7800,"net_nifa":-3200,"tfa":47800,"net_tfa":36800,"tfa_he":43800,"tw":46553,"age":54,"inc":57603,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":80000,"hmort":42000,"hequity":38000,"nifa":850,"net_nifa":-4450,"tfa":8850,"net_tfa":3550,"tfa_he":41550,"tw":42150,"age":49,"inc":43206,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4900,"a401":2300,"hval":99500,"hmort":76000,"hequity":23500,"nifa":2900,"net_nifa":-2600,"tfa":10100,"net_tfa":4600,"tfa_he":28100,"tw":31100,"age":59,"inc":58716,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":68000,"a401":32500,"hval":55000,"hmort":55000,"hequity":0,"nifa":32000,"net_nifa":32000,"tfa":132500,"net_tfa":132500,"tfa_he":132500,"tw":137500,"age":41,"inc":131781,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":16000,"hval":125000,"hmort":16000,"hequity":109000,"nifa":12497,"net_nifa":10447,"tfa":28497,"net_tfa":26447,"tfa_he":135447,"tw":167447,"age":51,"inc":45051,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":10447,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":85000,"hequity":35000,"nifa":1098,"net_nifa":-25402,"tfa":1098,"net_tfa":-25402,"tfa_he":9598,"tw":9598,"age":37,"inc":56784,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-25402,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3800,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":4800,"net_tfa":4800,"tfa_he":4800,"tw":4800,"age":32,"inc":42864,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":66099,"net_nifa":66049,"tfa":66099,"net_tfa":66049,"tfa_he":141049,"tw":164049,"age":45,"inc":35913,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":66049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":175000,"hmort":21000,"hequity":154000,"nifa":63000,"net_nifa":63000,"tfa":65500,"net_tfa":65500,"tfa_he":219500,"tw":224742,"age":53,"inc":44778,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":63000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2722,"hval":0,"hmort":0,"hequity":0,"nifa":20445,"net_nifa":20445,"tfa":23167,"net_tfa":23167,"tfa_he":23167,"tw":28828,"age":46,"inc":55779,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":20445,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":27430,"a401":80000,"hval":200000,"hmort":0,"hequity":200000,"nifa":24200,"net_nifa":24200,"tfa":131630,"net_tfa":131630,"tfa_he":331630,"tw":381630,"age":60,"inc":128040,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":51630,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":31000,"hval":300000,"hmort":0,"hequity":300000,"nifa":81340,"net_nifa":80940,"tfa":162340,"net_tfa":161940,"tfa_he":461940,"tw":461940,"age":47,"inc":59736,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":130940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":57000,"hmort":57000,"hequity":0,"nifa":4200,"net_nifa":-1111,"tfa":4200,"net_tfa":-1111,"tfa_he":-1111,"tw":7589,"age":31,"inc":50520,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1111,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":58000,"hmort":42000,"hequity":16000,"nifa":12388,"net_nifa":10188,"tfa":21388,"net_tfa":19188,"tfa_he":35188,"tw":37488,"age":45,"inc":30090,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":10188,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":100,"hval":85000,"hmort":75000,"hequity":10000,"nifa":3680,"net_nifa":3080,"tfa":3780,"net_tfa":3180,"tfa_he":13180,"tw":17880,"age":30,"inc":33999,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":3080,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":73000,"hmort":32000,"hequity":41000,"nifa":12400,"net_nifa":9664,"tfa":92400,"net_tfa":89664,"tfa_he":130664,"tw":133914,"age":47,"inc":42840,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":9664,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":21000,"hval":65000,"hmort":0,"hequity":65000,"nifa":69762,"net_nifa":69762,"tfa":90762,"net_tfa":90762,"tfa_he":155762,"tw":155762,"age":60,"inc":73614,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":69762,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1450,"hval":74000,"hmort":68100,"hequity":5900,"nifa":1260,"net_nifa":-1740,"tfa":2710,"net_tfa":-290,"tfa_he":5610,"tw":5610,"age":30,"inc":48363,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-1740,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":85000,"hequity":115000,"nifa":17500,"net_nifa":-500,"tfa":17500,"net_tfa":-500,"tfa_he":114500,"tw":126495,"age":53,"inc":47658,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4500,"hval":90000,"hmort":71500,"hequity":18500,"nifa":4475,"net_nifa":3075,"tfa":8975,"net_tfa":7575,"tfa_he":26075,"tw":59425,"age":53,"inc":40494,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":3075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2300,"a401":3000,"hval":115000,"hmort":0,"hequity":115000,"nifa":13249,"net_nifa":13249,"tfa":18549,"net_tfa":18549,"tfa_he":133549,"tw":133549,"age":55,"inc":33540,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":15549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":71478,"hval":105000,"hmort":70500,"hequity":34500,"nifa":2949,"net_nifa":-51,"tfa":74427,"net_tfa":71427,"tfa_he":105927,"tw":105927,"age":39,"inc":66165,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-51,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13500,"a401":0,"hval":125000,"hmort":50000,"hequity":75000,"nifa":7666,"net_nifa":7303,"tfa":21166,"net_tfa":20803,"tfa_he":95803,"tw":100653,"age":57,"inc":23565,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":20803,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":200,"a401":10000,"hval":32000,"hmort":22500,"hequity":9500,"nifa":287,"net_nifa":-3970,"tfa":10487,"net_tfa":6230,"tfa_he":15730,"tw":15730,"age":41,"inc":42927,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":-3770,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":10000,"hval":145000,"hmort":110000,"hequity":35000,"nifa":45198,"net_nifa":45198,"tfa":62198,"net_tfa":62198,"tfa_he":97198,"tw":130698,"age":44,"inc":54627,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":52198,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2400,"a401":30000,"hval":210000,"hmort":119000,"hequity":91000,"nifa":21748,"net_nifa":21548,"tfa":54148,"net_tfa":53948,"tfa_he":144948,"tw":177948,"age":55,"inc":46155,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":23948,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":30000,"hval":95000,"hmort":64000,"hequity":31000,"nifa":6477,"net_nifa":5077,"tfa":36477,"net_tfa":35077,"tfa_he":66077,"tw":76077,"age":35,"inc":69789,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":5077,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13499,"net_nifa":13499,"tfa":13499,"net_tfa":13499,"tfa_he":13499,"tw":21960,"age":31,"inc":24750,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":13499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":125000,"hmort":79000,"hequity":46000,"nifa":6600,"net_nifa":6300,"tfa":11600,"net_tfa":11300,"tfa_he":57300,"tw":104300,"age":35,"inc":41850,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":6300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":69000,"hval":280000,"hmort":40000,"hequity":240000,"nifa":1150,"net_nifa":1150,"tfa":79150,"net_tfa":79150,"tfa_he":319150,"tw":319150,"age":40,"inc":61176,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":10150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":55000,"hmort":35000,"hequity":20000,"nifa":425,"net_nifa":-19250,"tfa":4425,"net_tfa":-15250,"tfa_he":4750,"tw":5250,"age":37,"inc":27027,"fsize":4,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-19250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3360,"tfa":700,"net_tfa":-2760,"tfa_he":-2760,"tw":-2760,"age":26,"inc":24192,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3360,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22000,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":2699,"net_nifa":-18301,"tfa":45699,"net_tfa":24699,"tfa_he":24699,"tw":45699,"age":56,"inc":34803,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60444,"net_n401":3699,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4200,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":4300,"tfa":9700,"net_tfa":9500,"tfa_he":9500,"tw":12525,"age":33,"inc":31623,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":8500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":42000,"hequity":10000,"nifa":2400,"net_nifa":-26600,"tfa":2400,"net_tfa":-26600,"tfa_he":-16600,"tw":-14900,"age":41,"inc":51300,"fsize":3,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.4938,"net_n401":-26600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":25000,"hequity":90000,"nifa":34300,"net_nifa":34300,"tfa":34300,"net_tfa":34300,"tfa_he":124300,"tw":624300,"age":63,"inc":41991,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":34300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1500,"a401":35000,"hval":235000,"hmort":150000,"hequity":85000,"nifa":4660,"net_nifa":3250,"tfa":41160,"net_tfa":39750,"tfa_he":124750,"tw":139850,"age":45,"inc":67455,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":4750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":26,"inc":10827,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":130000,"hmort":75000,"hequity":55000,"nifa":43000,"net_nifa":40000,"tfa":58000,"net_tfa":55000,"tfa_he":110000,"tw":110000,"age":36,"inc":57543,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":100000,"hmort":0,"hequity":100000,"nifa":10149,"net_nifa":5049,"tfa":12449,"net_tfa":7349,"tfa_he":107349,"tw":108349,"age":58,"inc":33471,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":5049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6028,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":504,"net_nifa":-4496,"tfa":7732,"net_tfa":2732,"tfa_he":2732,"tw":49007,"age":45,"inc":36294,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":1532,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":48000,"hequity":52000,"nifa":7676,"net_nifa":7676,"tfa":7676,"net_tfa":7676,"tfa_he":59676,"tw":59676,"age":39,"inc":29577,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":7676,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2455,"hval":60000,"hmort":60000,"hequity":0,"nifa":149,"net_nifa":-1626,"tfa":2604,"net_tfa":829,"tfa_he":829,"tw":829,"age":28,"inc":15363,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-1626,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":20970,"hval":36733,"hmort":36733,"hequity":0,"nifa":8498,"net_nifa":5198,"tfa":29468,"net_tfa":26168,"tfa_he":26168,"tw":32768,"age":43,"inc":49728,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":5198,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":69000,"hequity":21000,"nifa":4600,"net_nifa":3648,"tfa":4600,"net_tfa":3648,"tfa_he":24648,"tw":32148,"age":61,"inc":45492,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":3648,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5600,"a401":0,"hval":80000,"hmort":80000,"hequity":0,"nifa":19600,"net_nifa":18700,"tfa":30400,"net_tfa":29500,"tfa_he":29500,"tw":35300,"age":31,"inc":62640,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":24300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":220000,"hmort":145000,"hequity":75000,"nifa":3420,"net_nifa":-2080,"tfa":43420,"net_tfa":37920,"tfa_he":112920,"tw":121120,"age":33,"inc":42816,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-2080,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":-16925,"tfa":50075,"net_tfa":33075,"tfa_he":33075,"tw":35375,"age":33,"inc":30117,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-16925,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":56000,"hval":75000,"hmort":38000,"hequity":37000,"nifa":34000,"net_nifa":31000,"tfa":110000,"net_tfa":107000,"tfa_he":144000,"tw":157596,"age":44,"inc":44790,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":51000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":28,"hval":0,"hmort":0,"hequity":0,"nifa":170,"net_nifa":-4480,"tfa":198,"net_tfa":-4452,"tfa_he":-4452,"tw":-4452,"age":27,"inc":45747,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-4480,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":25000,"hmort":0,"hequity":25000,"nifa":21075,"net_nifa":21075,"tfa":31075,"net_tfa":31075,"tfa_he":56075,"tw":70175,"age":59,"inc":36342,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":21075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9000,"a401":12000,"hval":95000,"hmort":60000,"hequity":35000,"nifa":19416,"net_nifa":19416,"tfa":40416,"net_tfa":40416,"tfa_he":75416,"tw":75416,"age":38,"inc":68739,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":28416,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":4700,"age":27,"inc":31005,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":31000,"hval":75000,"hmort":44000,"hequity":31000,"nifa":0,"net_nifa":-8200,"tfa":31000,"net_tfa":22800,"tfa_he":53800,"tw":53800,"age":47,"inc":48423,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-8200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":75000,"hmort":0,"hequity":75000,"nifa":3500,"net_nifa":3500,"tfa":10500,"net_tfa":10500,"tfa_he":85500,"tw":132500,"age":55,"inc":39378,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":68500,"hequity":21500,"nifa":2226,"net_nifa":-17674,"tfa":2226,"net_tfa":-17674,"tfa_he":3826,"tw":18026,"age":47,"inc":70101,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-17674,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":5000,"hval":50000,"hmort":0,"hequity":50000,"nifa":33500,"net_nifa":33500,"tfa":42500,"net_tfa":42500,"tfa_he":92500,"tw":94000,"age":49,"inc":33840,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":37500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":130000,"hmort":31000,"hequity":99000,"nifa":2400,"net_nifa":2400,"tfa":13400,"net_tfa":13400,"tfa_he":112400,"tw":112400,"age":36,"inc":26136,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":2400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-5000,"tfa":1500,"net_tfa":-4000,"tfa_he":-4000,"tw":-4000,"age":40,"inc":35718,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":52000,"a401":10000,"hval":90000,"hmort":75000,"hequity":15000,"nifa":15200,"net_nifa":15200,"tfa":77200,"net_tfa":77200,"tfa_he":92200,"tw":92200,"age":47,"inc":90450,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":67200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":70,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1512,"net_nifa":-14230,"tfa":1582,"net_tfa":-14160,"tfa_he":-14160,"tw":-3485,"age":37,"inc":37407,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":-14160,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":390,"hval":150000,"hmort":25000,"hequity":125000,"nifa":22125,"net_nifa":22125,"tfa":33515,"net_tfa":33515,"tfa_he":158515,"tw":158515,"age":45,"inc":39168,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":33125,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":32500,"hequity":47500,"nifa":26832,"net_nifa":22332,"tfa":26832,"net_tfa":22332,"tfa_he":69832,"tw":92832,"age":45,"inc":82575,"fsize":7,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":22332,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5200,"a401":0,"hval":105250,"hmort":105250,"hequity":0,"nifa":5100,"net_nifa":2100,"tfa":10300,"net_tfa":7300,"tfa_he":7300,"tw":7300,"age":30,"inc":44040,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1099,"net_nifa":1099,"tfa":1099,"net_tfa":1099,"tfa_he":1099,"tw":10099,"age":34,"inc":24300,"fsize":4,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.43669,"net_n401":1099,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":54000,"hequity":36000,"nifa":1500,"net_nifa":-11530,"tfa":1500,"net_tfa":-11530,"tfa_he":24470,"tw":35470,"age":43,"inc":34404,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-11530,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9115,"a401":0,"hval":65000,"hmort":44000,"hequity":21000,"nifa":2299,"net_nifa":-1401,"tfa":11414,"net_tfa":7714,"tfa_he":28714,"tw":34134,"age":43,"inc":40842,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":7714,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2200,"hval":115000,"hmort":108000,"hequity":7000,"nifa":908,"net_nifa":-23092,"tfa":3108,"net_tfa":-20892,"tfa_he":-13892,"tw":-3292,"age":31,"inc":62592,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-23092,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":300000,"hmort":120000,"hequity":180000,"nifa":39000,"net_nifa":37500,"tfa":51000,"net_tfa":49500,"tfa_he":229500,"tw":229500,"age":52,"inc":83610,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":37500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2700,"a401":8000,"hval":90000,"hmort":90000,"hequity":0,"nifa":27200,"net_nifa":21200,"tfa":37900,"net_tfa":31900,"tfa_he":31900,"tw":52006,"age":30,"inc":60369,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":23900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":70000,"hmort":69000,"hequity":1000,"nifa":1000,"net_nifa":-4200,"tfa":11000,"net_tfa":5800,"tfa_he":6800,"tw":11025,"age":41,"inc":36000,"fsize":5,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":162950,"hmort":98000,"hequity":64950,"nifa":1299,"net_nifa":-8701,"tfa":1299,"net_tfa":-8701,"tfa_he":56249,"tw":57249,"age":41,"inc":75450,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-8701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34000,"a401":24500,"hval":185000,"hmort":127920,"hequity":57080,"nifa":333436,"net_nifa":329336,"tfa":391936,"net_tfa":387836,"tfa_he":444916,"tw":444916,"age":29,"inc":169962,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":363336,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":15,"hval":215000,"hmort":150000,"hequity":65000,"nifa":532,"net_nifa":-1068,"tfa":6547,"net_tfa":4947,"tfa_he":69947,"tw":69947,"age":40,"inc":10368,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":4932,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15623,"a401":39000,"hval":70000,"hmort":0,"hequity":70000,"nifa":86600,"net_nifa":86600,"tfa":141223,"net_tfa":141223,"tfa_he":211223,"tw":215023,"age":60,"inc":136389,"fsize":2,"educ":1,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.58017,"net_n401":102223,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":18000,"hequity":42000,"nifa":550,"net_nifa":-3800,"tfa":550,"net_tfa":-3800,"tfa_he":38200,"tw":39350,"age":42,"inc":50460,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":0,"hmort":0,"hequity":0,"nifa":236,"net_nifa":-44764,"tfa":2036,"net_tfa":-42964,"tfa_he":-42964,"tw":-32964,"age":43,"inc":23412,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-44764,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":25000,"hequity":115000,"nifa":9197,"net_nifa":8947,"tfa":9197,"net_tfa":8947,"tfa_he":123947,"tw":123947,"age":46,"inc":47139,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":8947,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":3400,"net_nifa":-37904,"tfa":3800,"net_tfa":-37504,"tfa_he":-37504,"tw":-37504,"age":27,"inc":17364,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-37904,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":79100,"hmort":79100,"hequity":0,"nifa":6500,"net_nifa":5500,"tfa":6500,"net_tfa":5500,"tfa_he":5500,"tw":12500,"age":40,"inc":39828,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":150,"a401":4000,"hval":99000,"hmort":73950,"hequity":25050,"nifa":4900,"net_nifa":1900,"tfa":9050,"net_tfa":6050,"tfa_he":31100,"tw":31100,"age":32,"inc":39996,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":2050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4600,"hval":135000,"hmort":28500,"hequity":106500,"nifa":2800,"net_nifa":-1400,"tfa":7400,"net_tfa":3200,"tfa_he":109700,"tw":123700,"age":42,"inc":73722,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":300,"tfa":500,"net_tfa":300,"tfa_he":300,"tw":1800,"age":47,"inc":20406,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":42000,"hmort":0,"hequity":42000,"nifa":4325,"net_nifa":-5675,"tfa":5325,"net_tfa":-4675,"tfa_he":37325,"tw":37325,"age":32,"inc":62382,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-5675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":37000,"a401":3500,"hval":65000,"hmort":37000,"hequity":28000,"nifa":6150,"net_nifa":5650,"tfa":46650,"net_tfa":46150,"tfa_he":74150,"tw":83537,"age":43,"inc":46857,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":42650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-9150,"tfa":1850,"net_tfa":-7350,"tfa_he":-7350,"tw":-1050,"age":26,"inc":35244,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":-9150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":45000,"hmort":45000,"hequity":0,"nifa":230,"net_nifa":-7300,"tfa":7230,"net_tfa":-300,"tfa_he":-300,"tw":400,"age":43,"inc":39261,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":31000,"a401":3000,"hval":142000,"hmort":142000,"hequity":0,"nifa":4500,"net_nifa":1300,"tfa":38500,"net_tfa":35300,"tfa_he":35300,"tw":73300,"age":43,"inc":105156,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":32300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":95000,"hmort":82000,"hequity":13000,"nifa":40,"net_nifa":-30460,"tfa":10040,"net_tfa":-20460,"tfa_he":-7460,"tw":-6960,"age":43,"inc":29703,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-30460,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":46000,"hmort":0,"hequity":46000,"nifa":3712,"net_nifa":3312,"tfa":23712,"net_tfa":23312,"tfa_he":69312,"tw":70812,"age":41,"inc":27111,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":3312,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":4398,"net_nifa":-6602,"tfa":6398,"net_tfa":-4602,"tfa_he":65398,"tw":65398,"age":59,"inc":36864,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":-4602,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":8900,"hval":68000,"hmort":48000,"hequity":20000,"nifa":299,"net_nifa":-6701,"tfa":13199,"net_tfa":6199,"tfa_he":26199,"tw":26199,"age":28,"inc":44925,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":-2701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":150,"net_nifa":-850,"tfa":1450,"net_tfa":450,"tfa_he":450,"tw":5450,"age":27,"inc":44400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":40000,"hmort":0,"hequity":40000,"nifa":0,"net_nifa":0,"tfa":2500,"net_tfa":2500,"tfa_he":42500,"tw":42500,"age":51,"inc":10800,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9000,"a401":31000,"hval":0,"hmort":0,"hequity":0,"nifa":3499,"net_nifa":3432,"tfa":43499,"net_tfa":43432,"tfa_he":43432,"tw":43432,"age":47,"inc":34236,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60444,"net_n401":12432,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":85000,"hval":70000,"hmort":46000,"hequity":24000,"nifa":2475,"net_nifa":-7025,"tfa":87475,"net_tfa":77975,"tfa_he":101975,"tw":124975,"age":47,"inc":77016,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-7025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":35000,"hval":94000,"hmort":72000,"hequity":22000,"nifa":6500,"net_nifa":5500,"tfa":47500,"net_tfa":46500,"tfa_he":68500,"tw":77500,"age":39,"inc":68949,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":50000,"hmort":0,"hequity":50000,"nifa":3300,"net_nifa":-675,"tfa":9300,"net_tfa":5325,"tfa_he":55325,"tw":61325,"age":47,"inc":38820,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":26000,"hequity":174000,"nifa":27135,"net_nifa":21135,"tfa":27135,"net_tfa":21135,"tfa_he":195135,"tw":207135,"age":46,"inc":74625,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":21135,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":122000,"hequity":48000,"nifa":352475,"net_nifa":281100,"tfa":352475,"net_tfa":281100,"tfa_he":329100,"tw":493600,"age":62,"inc":58848,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":281100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7000,"a401":15,"hval":18000,"hmort":15000,"hequity":3000,"nifa":350,"net_nifa":-4450,"tfa":7365,"net_tfa":2565,"tfa_he":5565,"tw":11565,"age":36,"inc":21366,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":2550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":100,"tfa":1100,"net_tfa":100,"tfa_he":100,"tw":10100,"age":32,"inc":42231,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":20000,"hval":185000,"hmort":100000,"hequity":85000,"nifa":32000,"net_nifa":32000,"tfa":72000,"net_tfa":72000,"tfa_he":157000,"tw":157000,"age":37,"inc":67509,"fsize":5,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":52000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":80000,"hmort":10000,"hequity":70000,"nifa":39999,"net_nifa":39599,"tfa":42299,"net_tfa":41899,"tfa_he":111899,"tw":111899,"age":44,"inc":22668,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":39599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":19000,"hval":145000,"hmort":145000,"hequity":0,"nifa":9685,"net_nifa":4185,"tfa":38685,"net_tfa":33185,"tfa_he":33185,"tw":215685,"age":30,"inc":122802,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":14185,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":6500,"tfa":38000,"net_tfa":36500,"tfa_he":36500,"tw":44175,"age":37,"inc":25002,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":83000,"hmort":83000,"hequity":0,"nifa":1050,"net_nifa":-6950,"tfa":2750,"net_tfa":-5250,"tfa_he":-5250,"tw":8750,"age":38,"inc":44472,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-6950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":2800,"hval":0,"hmort":0,"hequity":0,"nifa":12046,"net_nifa":10746,"tfa":34846,"net_tfa":33546,"tfa_he":33546,"tw":36971,"age":34,"inc":43887,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":30746,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":36000,"hmort":14000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":800,"net_tfa":800,"tfa_he":22800,"tw":24934,"age":35,"inc":19023,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":154000,"hmort":70000,"hequity":84000,"nifa":6650,"net_nifa":1250,"tfa":18650,"net_tfa":13250,"tfa_he":97250,"tw":97250,"age":44,"inc":45927,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":1250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":3000,"tw":11075,"age":61,"inc":35292,"fsize":1,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.30866,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":3000,"hmort":0,"hequity":3000,"nifa":7000,"net_nifa":7000,"tfa":8000,"net_tfa":8000,"tfa_he":11000,"tw":19806,"age":29,"inc":168,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":7000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10800,"hval":110000,"hmort":70000,"hequity":40000,"nifa":44798,"net_nifa":34898,"tfa":55598,"net_tfa":45698,"tfa_he":85698,"tw":90198,"age":43,"inc":88062,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":34898,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":17000,"net_nifa":16700,"tfa":17000,"net_tfa":16700,"tfa_he":16700,"tw":29879,"age":31,"inc":28047,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":16700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":159900,"hmort":100000,"hequity":59900,"nifa":2600,"net_nifa":-5400,"tfa":5600,"net_tfa":-2400,"tfa_he":57500,"tw":66700,"age":34,"inc":66396,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-5400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":500,"hval":119000,"hmort":36000,"hequity":83000,"nifa":500,"net_nifa":-1100,"tfa":6000,"net_tfa":4400,"tfa_he":87400,"tw":88400,"age":64,"inc":22983,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":3900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":75000,"hmort":42000,"hequity":33000,"nifa":700,"net_nifa":-200,"tfa":5700,"net_tfa":4800,"tfa_he":37800,"tw":43150,"age":44,"inc":36156,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":10000,"hval":240000,"hmort":125000,"hequity":115000,"nifa":12000,"net_nifa":6000,"tfa":34000,"net_tfa":28000,"tfa_he":143000,"tw":147000,"age":47,"inc":80211,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6508,"hval":80000,"hmort":43000,"hequity":37000,"nifa":46234,"net_nifa":43134,"tfa":52742,"net_tfa":49642,"tfa_he":86642,"tw":89242,"age":45,"inc":39018,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":43134,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":255,"hval":55000,"hmort":17000,"hequity":38000,"nifa":2907,"net_nifa":2107,"tfa":3162,"net_tfa":2362,"tfa_he":40362,"tw":42862,"age":34,"inc":37620,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":2107,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":25000,"hequity":40000,"nifa":40000,"net_nifa":39750,"tfa":40000,"net_tfa":39750,"tfa_he":79750,"tw":80750,"age":54,"inc":41799,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":39750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":33700,"net_nifa":33700,"tfa":33700,"net_tfa":33700,"tfa_he":113700,"tw":138700,"age":54,"inc":53862,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":33700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24000,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":7400,"net_nifa":6800,"tfa":52400,"net_tfa":51800,"tfa_he":51800,"tw":51800,"age":36,"inc":78765,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":30800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":35000,"hmort":15000,"hequity":20000,"nifa":19999,"net_nifa":19749,"tfa":22999,"net_tfa":22749,"tfa_he":42749,"tw":42749,"age":35,"inc":34854,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":19749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":210,"net_nifa":-290,"tfa":210,"net_tfa":-290,"tfa_he":-290,"tw":3560,"age":44,"inc":20652,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-290,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":75,"net_nifa":75,"tfa":75,"net_tfa":75,"tfa_he":75,"tw":-605,"age":26,"inc":20403,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":75,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14433,"a401":80000,"hval":220000,"hmort":130000,"hequity":90000,"nifa":26199,"net_nifa":22199,"tfa":120632,"net_tfa":116632,"tfa_he":206632,"tw":219207,"age":39,"inc":93120,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":36632,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":800,"a401":80000,"hval":83000,"hmort":83000,"hequity":0,"nifa":53848,"net_nifa":39448,"tfa":134648,"net_tfa":120248,"tfa_he":120248,"tw":178798,"age":33,"inc":146076,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":40248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":50000,"hmort":30000,"hequity":20000,"nifa":1550,"net_nifa":-2150,"tfa":9550,"net_tfa":5850,"tfa_he":25850,"tw":31850,"age":50,"inc":37635,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":60000,"hmort":0,"hequity":60000,"nifa":5000,"net_nifa":4200,"tfa":9000,"net_tfa":8200,"tfa_he":68200,"tw":73075,"age":44,"inc":54543,"fsize":6,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10107,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-6100,"tfa":10707,"net_tfa":4007,"tfa_he":4007,"tw":5507,"age":50,"inc":34986,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-6100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17000,"hval":170000,"hmort":80000,"hequity":90000,"nifa":13349,"net_nifa":-2451,"tfa":30349,"net_tfa":14549,"tfa_he":104549,"tw":177549,"age":47,"inc":92583,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-2451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":44,"net_nifa":-456,"tfa":44,"net_tfa":-456,"tfa_he":69544,"tw":71730,"age":53,"inc":34653,"fsize":1,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-456,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":75000,"hmort":21000,"hequity":54000,"nifa":549,"net_nifa":-451,"tfa":50549,"net_tfa":49549,"tfa_he":103549,"tw":103549,"age":50,"inc":30189,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1900,"a401":1800,"hval":0,"hmort":0,"hequity":0,"nifa":1480,"net_nifa":-9520,"tfa":5180,"net_tfa":-5820,"tfa_he":-5820,"tw":-2295,"age":30,"inc":33585,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":-7620,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1900,"hval":225000,"hmort":150000,"hequity":75000,"nifa":500,"net_nifa":-4500,"tfa":2400,"net_tfa":-2600,"tfa_he":72400,"tw":72400,"age":64,"inc":36693,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2600,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-3100,"tfa":2650,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":36,"inc":38253,"fsize":5,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-3100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":63000,"hmort":62000,"hequity":1000,"nifa":2240,"net_nifa":-5060,"tfa":3540,"net_tfa":-3760,"tfa_he":-2760,"tw":5240,"age":33,"inc":49776,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-5060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6800,"hval":0,"hmort":0,"hequity":0,"nifa":4022,"net_nifa":-8478,"tfa":10822,"net_tfa":-1678,"tfa_he":-1678,"tw":-1678,"age":29,"inc":33744,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-8478,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-1800,"tfa":50700,"net_tfa":48200,"tfa_he":48200,"tw":55796,"age":27,"inc":30015,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-1800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":4000,"hval":240000,"hmort":147000,"hequity":93000,"nifa":8025,"net_nifa":8025,"tfa":16025,"net_tfa":16025,"tfa_he":109025,"tw":119704,"age":29,"inc":74070,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":12025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":890,"hval":300000,"hmort":45000,"hequity":255000,"nifa":20,"net_nifa":-2980,"tfa":910,"net_tfa":-2090,"tfa_he":252910,"tw":263910,"age":38,"inc":45786,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":2000,"hval":250000,"hmort":106000,"hequity":144000,"nifa":500,"net_nifa":440,"tfa":10500,"net_tfa":10440,"tfa_he":154440,"tw":182440,"age":51,"inc":46980,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":8440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4786,"hval":0,"hmort":0,"hequity":0,"nifa":5318,"net_nifa":5288,"tfa":10104,"net_tfa":10074,"tfa_he":10074,"tw":10074,"age":36,"inc":35364,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":5288,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1600,"a401":3000,"hval":84000,"hmort":54000,"hequity":30000,"nifa":4550,"net_nifa":-15750,"tfa":9150,"net_tfa":-11150,"tfa_he":18850,"tw":22850,"age":32,"inc":57441,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-14150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":56000,"a401":25000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":101300,"net_nifa":100500,"tfa":182300,"net_tfa":181500,"tfa_he":331500,"tw":411500,"age":59,"inc":67482,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":156500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":67000,"hmort":67000,"hequity":0,"nifa":3000,"net_nifa":-13500,"tfa":8000,"net_tfa":-8500,"tfa_he":-8500,"tw":-5900,"age":27,"inc":49200,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-13500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3966,"a401":0,"hval":170000,"hmort":97000,"hequity":73000,"nifa":1750,"net_nifa":-2450,"tfa":5716,"net_tfa":1516,"tfa_he":74516,"tw":74516,"age":48,"inc":76209,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":1516,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":203,"a401":15000,"hval":265000,"hmort":67500,"hequity":197500,"nifa":2523,"net_nifa":2523,"tfa":17726,"net_tfa":17726,"tfa_he":215226,"tw":215226,"age":42,"inc":60090,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":2726,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":248,"net_nifa":248,"tfa":50248,"net_tfa":50248,"tfa_he":50248,"tw":50248,"age":50,"inc":34545,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":248,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":12000,"net_nifa":10800,"tfa":31400,"net_tfa":30200,"tfa_he":30200,"tw":30200,"age":29,"inc":83610,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.48881,"net_n401":27800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":63000,"hequity":19000,"nifa":2999,"net_nifa":2999,"tfa":2999,"net_tfa":2999,"tfa_he":21999,"tw":21999,"age":53,"inc":54486,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9000,"a401":50800,"hval":48000,"hmort":16500,"hequity":31500,"nifa":10049,"net_nifa":10049,"tfa":69849,"net_tfa":69849,"tfa_he":101349,"tw":106749,"age":47,"inc":34149,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":19049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":800,"hval":90000,"hmort":0,"hequity":90000,"nifa":4000,"net_nifa":4000,"tfa":4800,"net_tfa":4800,"tfa_he":94800,"tw":97775,"age":48,"inc":13800,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":4000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":96000,"hmort":69000,"hequity":27000,"nifa":28500,"net_nifa":20080,"tfa":28500,"net_tfa":20080,"tfa_he":47080,"tw":47080,"age":46,"inc":76233,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":20080,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":40000,"hmort":23500,"hequity":16500,"nifa":1500,"net_nifa":-5500,"tfa":2100,"net_tfa":-4900,"tfa_he":11600,"tw":14950,"age":37,"inc":35976,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-5500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":23900,"hequity":28100,"nifa":3500,"net_nifa":2750,"tfa":3500,"net_tfa":2750,"tfa_he":30850,"tw":30850,"age":45,"inc":44067,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15996,"a401":1000,"hval":85000,"hmort":12000,"hequity":73000,"nifa":19474,"net_nifa":19274,"tfa":36470,"net_tfa":36270,"tfa_he":109270,"tw":159270,"age":56,"inc":47790,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":35270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":775,"age":26,"inc":19548,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":10000,"hval":120000,"hmort":0,"hequity":120000,"nifa":52375,"net_nifa":52375,"tfa":92375,"net_tfa":92375,"tfa_he":212375,"tw":214725,"age":57,"inc":26142,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":82375,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3756,"hval":187000,"hmort":0,"hequity":187000,"nifa":3917,"net_nifa":-15533,"tfa":7673,"net_tfa":-11777,"tfa_he":175223,"tw":191247,"age":30,"inc":66123,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-15533,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":39000,"hmort":32000,"hequity":7000,"nifa":4999,"net_nifa":4999,"tfa":4999,"net_tfa":4999,"tfa_he":11999,"tw":14499,"age":43,"inc":6450,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.375,"net_n401":4999,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13467,"a401":6000,"hval":65000,"hmort":23000,"hequity":42000,"nifa":47000,"net_nifa":42100,"tfa":66467,"net_tfa":61567,"tfa_he":103567,"tw":103567,"age":60,"inc":46071,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":55567,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1900,"a401":35000,"hval":124000,"hmort":99000,"hequity":25000,"nifa":56582,"net_nifa":49532,"tfa":93482,"net_tfa":86432,"tfa_he":111432,"tw":113798,"age":45,"inc":91575,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":51432,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":2300,"hval":58000,"hmort":40000,"hequity":18000,"nifa":5648,"net_nifa":-3262,"tfa":11948,"net_tfa":3038,"tfa_he":21038,"tw":21038,"age":30,"inc":47001,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":738,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":65000,"hmort":0,"hequity":65000,"nifa":700,"net_nifa":0,"tfa":3700,"net_tfa":3000,"tfa_he":68000,"tw":69500,"age":33,"inc":41283,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":24000,"hval":155000,"hmort":87000,"hequity":68000,"nifa":1200,"net_nifa":-2100,"tfa":25200,"net_tfa":21900,"tfa_he":89900,"tw":105953,"age":40,"inc":54591,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":10000,"hmort":13000,"hequity":-3000,"nifa":185,"net_nifa":-5815,"tfa":285,"net_tfa":-5715,"tfa_he":-8715,"tw":-8715,"age":42,"inc":26526,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5815,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":583,"net_nifa":583,"tfa":583,"net_tfa":583,"tfa_he":583,"tw":583,"age":44,"inc":24678,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":583,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":0,"hmort":0,"hequity":0,"nifa":1599,"net_nifa":-4401,"tfa":21599,"net_tfa":15599,"tfa_he":15599,"tw":17099,"age":31,"inc":31905,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-4401,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":90000,"hmort":74900,"hequity":15100,"nifa":29999,"net_nifa":28299,"tfa":31699,"net_tfa":29999,"tfa_he":45099,"tw":48267,"age":41,"inc":24558,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":28299,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":12757,"net_nifa":7557,"tfa":13057,"net_tfa":7857,"tfa_he":7857,"tw":17357,"age":29,"inc":55851,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":7557,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5204,"a401":3200,"hval":0,"hmort":0,"hequity":0,"nifa":505,"net_nifa":-2495,"tfa":8909,"net_tfa":5909,"tfa_he":5909,"tw":107009,"age":51,"inc":29196,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2062,"net_n401":2709,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":68000,"hmort":65000,"hequity":3000,"nifa":600,"net_nifa":-1900,"tfa":6600,"net_tfa":4100,"tfa_he":7100,"tw":7100,"age":41,"inc":69840,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":75000,"hmort":73500,"hequity":1500,"nifa":970,"net_nifa":-11030,"tfa":1970,"net_tfa":-10030,"tfa_he":-8530,"tw":-6030,"age":37,"inc":38292,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-11030,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":42000,"hmort":15000,"hequity":27000,"nifa":0,"net_nifa":-6000,"tfa":4000,"net_tfa":-2000,"tfa_he":25000,"tw":31543,"age":44,"inc":36600,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":58000,"hmort":52500,"hequity":5500,"nifa":300,"net_nifa":-4200,"tfa":3300,"net_tfa":-1200,"tfa_he":4300,"tw":4300,"age":32,"inc":47361,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":5000,"hval":86000,"hmort":49000,"hequity":37000,"nifa":7600,"net_nifa":7525,"tfa":25600,"net_tfa":25525,"tfa_he":62525,"tw":62525,"age":42,"inc":49668,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":20525,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1550,"net_nifa":-59450,"tfa":1550,"net_tfa":-59450,"tfa_he":-59450,"tw":-56950,"age":25,"inc":40800,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":-59450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":7200,"tfa":11500,"net_tfa":11200,"tfa_he":11200,"tw":15150,"age":30,"inc":23550,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":7200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":4000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":60000,"net_nifa":60000,"tfa":87000,"net_tfa":87000,"tfa_he":237000,"tw":299000,"age":43,"inc":155196,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":83000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":35000,"a401":13250,"hval":135000,"hmort":68000,"hequity":67000,"nifa":35150,"net_nifa":32750,"tfa":83400,"net_tfa":81000,"tfa_he":148000,"tw":148350,"age":43,"inc":76581,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":67750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":28160,"hval":52000,"hmort":17500,"hequity":34500,"nifa":6501,"net_nifa":-13451,"tfa":34661,"net_tfa":14709,"tfa_he":49209,"tw":49459,"age":42,"inc":58182,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-13451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":14,"net_nifa":-5280,"tfa":14,"net_tfa":-5280,"tfa_he":-5280,"tw":-2780,"age":32,"inc":30360,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-5280,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":140000,"hmort":80000,"hequity":60000,"nifa":13030,"net_nifa":12130,"tfa":26030,"net_tfa":25130,"tfa_he":85130,"tw":85130,"age":35,"inc":49920,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":25130,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":116000,"hmort":60000,"hequity":56000,"nifa":31450,"net_nifa":31450,"tfa":53450,"net_tfa":53450,"tfa_he":109450,"tw":109450,"age":35,"inc":60303,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":31450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":30000,"hmort":18200,"hequity":11800,"nifa":50,"net_nifa":-1250,"tfa":2350,"net_tfa":1050,"tfa_he":12850,"tw":27850,"age":42,"inc":17244,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-1250,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":7000,"net_nifa":3000,"tfa":97000,"net_tfa":93000,"tfa_he":243000,"tw":443000,"age":52,"inc":106896,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":640,"a401":0,"hval":60000,"hmort":58000,"hequity":2000,"nifa":8800,"net_nifa":5300,"tfa":9440,"net_tfa":5940,"tfa_he":7940,"tw":18940,"age":31,"inc":55920,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":5940,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":250,"hval":0,"hmort":0,"hequity":0,"nifa":6180,"net_nifa":4180,"tfa":6430,"net_tfa":4430,"tfa_he":4430,"tw":4430,"age":33,"inc":29712,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":4180,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":-49000,"tfa":19000,"net_tfa":-36000,"tfa_he":-36000,"tw":67500,"age":30,"inc":64995,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":-41000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":700,"a401":20000,"hval":70000,"hmort":40500,"hequity":29500,"nifa":12610,"net_nifa":12054,"tfa":33310,"net_tfa":32754,"tfa_he":62254,"tw":76566,"age":34,"inc":74472,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":12754,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":47942,"hval":75000,"hmort":0,"hequity":75000,"nifa":2000,"net_nifa":-2000,"tfa":49942,"net_tfa":45942,"tfa_he":120942,"tw":127942,"age":52,"inc":61200,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":15000,"hval":300000,"hmort":125000,"hequity":175000,"nifa":20500,"net_nifa":19000,"tfa":35500,"net_tfa":34000,"tfa_he":209000,"tw":217750,"age":30,"inc":62652,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":19000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":8000,"hval":48000,"hmort":0,"hequity":48000,"nifa":7300,"net_nifa":7300,"tfa":25300,"net_tfa":25300,"tfa_he":73300,"tw":78625,"age":46,"inc":23985,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":17300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":650,"hval":35000,"hmort":35000,"hequity":0,"nifa":760,"net_nifa":185,"tfa":1410,"net_tfa":835,"tfa_he":835,"tw":4285,"age":32,"inc":17655,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":185,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":30000,"hequity":0,"nifa":15000,"net_nifa":15000,"tfa":15000,"net_tfa":15000,"tfa_he":15000,"tw":15000,"age":34,"inc":50262,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5700,"a401":2500,"hval":85000,"hmort":85000,"hequity":0,"nifa":15210,"net_nifa":14910,"tfa":23410,"net_tfa":23110,"tfa_he":23110,"tw":23110,"age":34,"inc":39450,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":20610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":22000,"net_nifa":21400,"tfa":39000,"net_tfa":38400,"tfa_he":38400,"tw":39475,"age":31,"inc":41058,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":21400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":90000,"hmort":72000,"hequity":18000,"nifa":23200,"net_nifa":20800,"tfa":23900,"net_tfa":21500,"tfa_he":39500,"tw":41450,"age":33,"inc":45750,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":20800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":65000,"hval":110000,"hmort":33000,"hequity":77000,"nifa":44000,"net_nifa":44000,"tfa":109000,"net_tfa":109000,"tfa_he":186000,"tw":269550,"age":46,"inc":69600,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":44000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":13000,"hval":240000,"hmort":150000,"hequity":90000,"nifa":12704,"net_nifa":-28396,"tfa":28704,"net_tfa":-12396,"tfa_he":77604,"tw":89104,"age":37,"inc":85320,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":-25396,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":23474,"a401":11000,"hval":275000,"hmort":150000,"hequity":125000,"nifa":52770,"net_nifa":-328830,"tfa":98244,"net_tfa":-283356,"tfa_he":-158356,"tw":-155756,"age":44,"inc":155415,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":-305356,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-350,"tfa":50,"net_tfa":-350,"tfa_he":-350,"tw":-350,"age":32,"inc":27285,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10200,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-4500,"tfa":15800,"net_tfa":9700,"tfa_he":9700,"tw":14296,"age":26,"inc":26430,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":5700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3200,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":51725,"net_nifa":49225,"tfa":134925,"net_tfa":132425,"tfa_he":282425,"tw":282425,"age":45,"inc":80850,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":52425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8500,"a401":80000,"hval":200000,"hmort":130000,"hequity":70000,"nifa":5499,"net_nifa":3499,"tfa":93999,"net_tfa":91999,"tfa_he":161999,"tw":161999,"age":41,"inc":40296,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":11999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":77000,"hequity":23000,"nifa":10000,"net_nifa":10000,"tfa":10000,"net_tfa":10000,"tfa_he":33000,"tw":41596,"age":42,"inc":52434,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10,"hval":54000,"hmort":35000,"hequity":19000,"nifa":186,"net_nifa":-1917,"tfa":196,"net_tfa":-1907,"tfa_he":17093,"tw":17093,"age":39,"inc":23259,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1917,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":1900,"hval":0,"hmort":0,"hequity":0,"nifa":5750,"net_nifa":-6750,"tfa":16650,"net_tfa":4150,"tfa_he":4150,"tw":14150,"age":46,"inc":63240,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35337,"net_n401":2250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":22000,"hval":85000,"hmort":58000,"hequity":27000,"nifa":4000,"net_nifa":3100,"tfa":26000,"net_tfa":25100,"tfa_he":52100,"tw":65100,"age":52,"inc":52050,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":3100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2600,"a401":18000,"hval":140000,"hmort":121000,"hequity":19000,"nifa":18189,"net_nifa":12189,"tfa":38789,"net_tfa":32789,"tfa_he":51789,"tw":68789,"age":33,"inc":53436,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":14789,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":13700,"net_nifa":2700,"tfa":15000,"net_tfa":4000,"tfa_he":4000,"tw":4800,"age":35,"inc":117900,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.43478,"net_n401":2700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":62000,"hmort":0,"hequity":62000,"nifa":300,"net_nifa":-2800,"tfa":7300,"net_tfa":4200,"tfa_he":66200,"tw":114400,"age":41,"inc":36975,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-1300,"tfa":200,"net_tfa":-1300,"tfa_he":-1300,"tw":848,"age":26,"inc":16068,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-1300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2800,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":2900,"net_nifa":-30500,"tfa":5700,"net_tfa":-27700,"tfa_he":17300,"tw":17300,"age":40,"inc":46026,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":-27700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":65000,"hmort":34000,"hequity":31000,"nifa":749,"net_nifa":549,"tfa":12749,"net_tfa":12549,"tfa_he":43549,"tw":45549,"age":56,"inc":52245,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-5000,"tfa":50000,"net_tfa":45000,"tfa_he":75000,"tw":75000,"age":61,"inc":16800,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-5000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":24000,"hmort":0,"hequity":24000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":24000,"tw":24000,"age":39,"inc":24582,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":506,"net_nifa":506,"tfa":506,"net_tfa":506,"tfa_he":506,"tw":506,"age":42,"inc":23451,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":506,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":59200,"hval":180000,"hmort":58000,"hequity":122000,"nifa":5575,"net_nifa":3275,"tfa":74775,"net_tfa":72475,"tfa_he":194475,"tw":194475,"age":41,"inc":91689,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":13275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2339,"hval":225000,"hmort":114000,"hequity":111000,"nifa":1100,"net_nifa":-9400,"tfa":3439,"net_tfa":-7061,"tfa_he":103939,"tw":108539,"age":50,"inc":45762,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-9400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4643,"net_nifa":-24557,"tfa":4643,"net_tfa":-24557,"tfa_he":-24557,"tw":-22757,"age":26,"inc":38160,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-24557,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":13800,"net_tfa":13800,"tfa_he":13800,"tw":13800,"age":43,"inc":22950,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":84000,"hequity":36000,"nifa":1200,"net_nifa":550,"tfa":1200,"net_tfa":550,"tfa_he":36550,"tw":36550,"age":36,"inc":33462,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":20600,"net_nifa":20470,"tfa":28600,"net_tfa":28470,"tfa_he":203470,"tw":203470,"age":43,"inc":44298,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":28470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":42000,"hmort":15000,"hequity":27000,"nifa":2499,"net_nifa":2499,"tfa":4499,"net_tfa":4499,"tfa_he":31499,"tw":31499,"age":50,"inc":30138,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24000,"a401":56500,"hval":158000,"hmort":126000,"hequity":32000,"nifa":29750,"net_nifa":28750,"tfa":110250,"net_tfa":109250,"tfa_he":141250,"tw":141250,"age":36,"inc":100125,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":52750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":1000,"hval":133000,"hmort":133000,"hequity":0,"nifa":24500,"net_nifa":24500,"tfa":31500,"net_tfa":31500,"tfa_he":31500,"tw":37975,"age":42,"inc":44898,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":30500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":8306,"age":38,"inc":20163,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":28000,"hequity":62000,"nifa":22200,"net_nifa":22200,"tfa":22200,"net_tfa":22200,"tfa_he":84200,"tw":87150,"age":49,"inc":42915,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":22200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":13500,"hequity":151500,"nifa":3600,"net_nifa":-3400,"tfa":3600,"net_tfa":-3400,"tfa_he":148100,"tw":152100,"age":36,"inc":64038,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":6000,"hval":230000,"hmort":0,"hequity":230000,"nifa":20499,"net_nifa":20099,"tfa":46499,"net_tfa":46099,"tfa_he":276099,"tw":466695,"age":61,"inc":59166,"fsize":5,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":40099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":66000,"hmort":27999,"hequity":38001,"nifa":300,"net_nifa":-200,"tfa":300,"net_tfa":-200,"tfa_he":37801,"tw":38901,"age":54,"inc":31203,"fsize":5,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13866,"hval":80000,"hmort":31000,"hequity":49000,"nifa":1050,"net_nifa":-3550,"tfa":14916,"net_tfa":10316,"tfa_he":59316,"tw":59316,"age":35,"inc":32265,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-3550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-800,"tfa":25400,"net_tfa":24200,"tfa_he":24200,"tw":24200,"age":55,"inc":47328,"fsize":5,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.59958,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7600,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":48833,"net_nifa":48333,"tfa":56433,"net_tfa":55933,"tfa_he":175933,"tw":184529,"age":64,"inc":49440,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":55933,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3000,"hval":120000,"hmort":48000,"hequity":72000,"nifa":3000,"net_nifa":-2000,"tfa":6000,"net_tfa":1000,"tfa_he":73000,"tw":74125,"age":43,"inc":38205,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":100,"hval":61000,"hmort":40000,"hequity":21000,"nifa":830,"net_nifa":-11820,"tfa":10930,"net_tfa":-1720,"tfa_he":19280,"tw":21280,"age":42,"inc":41607,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":-1820,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":250,"a401":7600,"hval":45000,"hmort":26350,"hequity":18650,"nifa":21945,"net_nifa":21280,"tfa":29795,"net_tfa":29130,"tfa_he":47780,"tw":47780,"age":38,"inc":64974,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":21530,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":125000,"hmort":80000,"hequity":45000,"nifa":2260,"net_nifa":1760,"tfa":12260,"net_tfa":11760,"tfa_he":56760,"tw":56760,"age":27,"inc":26523,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":11760,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":80000,"hmort":50000,"hequity":30000,"nifa":54000,"net_nifa":53500,"tfa":55700,"net_tfa":55200,"tfa_he":85200,"tw":124200,"age":42,"inc":50064,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":53500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-8128,"tfa":1650,"net_tfa":-7128,"tfa_he":-7128,"tw":-7128,"age":41,"inc":58293,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-8128,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":950,"hval":60000,"hmort":26000,"hequity":34000,"nifa":700,"net_nifa":-6700,"tfa":1650,"net_tfa":-5750,"tfa_he":28250,"tw":47650,"age":42,"inc":37914,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2600,"hval":70000,"hmort":62000,"hequity":8000,"nifa":4500,"net_nifa":2000,"tfa":7100,"net_tfa":4600,"tfa_he":12600,"tw":21600,"age":36,"inc":46467,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8900,"hval":62900,"hmort":48000,"hequity":14900,"nifa":3125,"net_nifa":1833,"tfa":12025,"net_tfa":10733,"tfa_he":25633,"tw":30833,"age":34,"inc":44661,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1833,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2000,"tfa":0,"net_tfa":-2000,"tfa_he":-2000,"tw":-1000,"age":25,"inc":10059,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":45000,"hmort":27000,"hequity":18000,"nifa":650,"net_nifa":-2350,"tfa":1050,"net_tfa":-1950,"tfa_he":16050,"tw":18098,"age":33,"inc":18477,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-2350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":16250,"hval":130000,"hmort":97500,"hequity":32500,"nifa":21500,"net_nifa":17000,"tfa":53750,"net_tfa":49250,"tfa_he":81750,"tw":81750,"age":35,"inc":48180,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":33000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":125,"hval":70000,"hmort":50000,"hequity":20000,"nifa":1700,"net_nifa":1520,"tfa":1825,"net_tfa":1645,"tfa_he":21645,"tw":30645,"age":51,"inc":68172,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1520,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2207,"hval":80000,"hmort":68500,"hequity":11500,"nifa":9594,"net_nifa":8610,"tfa":11801,"net_tfa":10817,"tfa_he":22317,"tw":25768,"age":43,"inc":52425,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":8610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":30950,"hval":0,"hmort":0,"hequity":0,"nifa":7460,"net_nifa":2960,"tfa":38410,"net_tfa":33910,"tfa_he":33910,"tw":35910,"age":42,"inc":82035,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.45726,"net_n401":2960,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":36000,"a401":14000,"hval":300000,"hmort":55000,"hequity":245000,"nifa":84000,"net_nifa":29000,"tfa":134000,"net_tfa":79000,"tfa_he":324000,"tw":324000,"age":34,"inc":59922,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":65000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":15240,"net_nifa":8240,"tfa":34240,"net_tfa":27240,"tfa_he":27240,"tw":28315,"age":45,"inc":46521,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.64307,"net_n401":20240,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":39000,"net_nifa":32800,"tfa":139000,"net_tfa":132800,"tfa_he":132800,"tw":198800,"age":60,"inc":49944,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":82800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6000,"hval":90000,"hmort":38000,"hequity":52000,"nifa":9500,"net_nifa":9500,"tfa":15500,"net_tfa":15500,"tfa_he":67500,"tw":72500,"age":49,"inc":23670,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":500,"hval":95000,"hmort":80000,"hequity":15000,"nifa":15000,"net_nifa":15000,"tfa":15500,"net_tfa":15500,"tfa_he":30500,"tw":36961,"age":25,"inc":26730,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":36000,"hval":100000,"hmort":49000,"hequity":51000,"nifa":30000,"net_nifa":29000,"tfa":66000,"net_tfa":65000,"tfa_he":116000,"tw":118000,"age":64,"inc":39537,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4575,"a401":5000,"hval":150000,"hmort":16900,"hequity":133100,"nifa":5500,"net_nifa":5500,"tfa":15075,"net_tfa":15075,"tfa_he":148175,"tw":148175,"age":53,"inc":46683,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":1000,"hequity":4000,"nifa":149,"net_nifa":-1251,"tfa":149,"net_tfa":-1251,"tfa_he":2749,"tw":2749,"age":44,"inc":21273,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-1251,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":349,"net_nifa":-4451,"tfa":2849,"net_tfa":-1951,"tfa_he":-1951,"tw":2774,"age":31,"inc":27015,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4451,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":6499,"net_nifa":6499,"tfa":52499,"net_tfa":52499,"tfa_he":52499,"tw":55849,"age":38,"inc":29952,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":22499,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":101900,"hequity":23100,"nifa":1376,"net_nifa":-4624,"tfa":1376,"net_tfa":-4624,"tfa_he":18476,"tw":24476,"age":53,"inc":52110,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-4624,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":1250,"net_nifa":1250,"tfa":2750,"net_tfa":2750,"tfa_he":2750,"tw":3350,"age":36,"inc":28800,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":1250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":12000,"hval":90000,"hmort":65000,"hequity":25000,"nifa":181500,"net_nifa":164500,"tfa":198500,"net_tfa":181500,"tfa_he":206500,"tw":406500,"age":47,"inc":56580,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":169500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":120000,"hmort":17000,"hequity":103000,"nifa":55339,"net_nifa":50769,"tfa":67339,"net_tfa":62769,"tfa_he":165769,"tw":167269,"age":46,"inc":75687,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":50769,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":80400,"hval":85000,"hmort":22500,"hequity":62500,"nifa":4795,"net_nifa":2895,"tfa":92195,"net_tfa":90295,"tfa_he":152795,"tw":169295,"age":46,"inc":51150,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":9895,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":31000,"a401":68357,"hval":190000,"hmort":0,"hequity":190000,"nifa":9099,"net_nifa":499,"tfa":113456,"net_tfa":104856,"tfa_he":294856,"tw":294856,"age":59,"inc":99318,"fsize":6,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":31499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6538,"a401":68000,"hval":200000,"hmort":70000,"hequity":130000,"nifa":2900,"net_nifa":-3100,"tfa":77438,"net_tfa":71438,"tfa_he":201438,"tw":201438,"age":57,"inc":100026,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":3438,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":92000,"hmort":76000,"hequity":16000,"nifa":1630,"net_nifa":-4770,"tfa":1630,"net_tfa":-4770,"tfa_he":11230,"tw":19230,"age":47,"inc":61800,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-4770,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":65000,"hval":130000,"hmort":129000,"hequity":1000,"nifa":18048,"net_nifa":16348,"tfa":83048,"net_tfa":81348,"tfa_he":82348,"tw":82348,"age":34,"inc":88770,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":16348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":43800,"hequity":1200,"nifa":2500,"net_nifa":2500,"tfa":2500,"net_tfa":2500,"tfa_he":3700,"tw":4300,"age":34,"inc":40545,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":47000,"hval":300000,"hmort":58000,"hequity":242000,"nifa":81024,"net_nifa":80174,"tfa":128024,"net_tfa":127174,"tfa_he":369174,"tw":377149,"age":51,"inc":43560,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":80174,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1600,"a401":0,"hval":80000,"hmort":57000,"hequity":23000,"nifa":949,"net_nifa":-551,"tfa":2549,"net_tfa":1049,"tfa_he":24049,"tw":24949,"age":37,"inc":33489,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":1049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":105000,"hmort":62000,"hequity":43000,"nifa":17224,"net_nifa":17224,"tfa":18224,"net_tfa":18224,"tfa_he":61224,"tw":68424,"age":43,"inc":21672,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":17224,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29600,"a401":0,"hval":175000,"hmort":150000,"hequity":25000,"nifa":1300,"net_nifa":1300,"tfa":30900,"net_tfa":30900,"tfa_he":55900,"tw":84900,"age":47,"inc":22542,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":30900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":891,"hval":70000,"hmort":0,"hequity":70000,"nifa":1598,"net_nifa":-902,"tfa":2489,"net_tfa":-11,"tfa_he":69989,"tw":79989,"age":25,"inc":38496,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-902,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":16700,"a401":3000,"hval":12000,"hmort":0,"hequity":12000,"nifa":2250,"net_nifa":2250,"tfa":21950,"net_tfa":21950,"tfa_he":33950,"tw":33950,"age":47,"inc":29886,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":18950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":200,"hval":70000,"hmort":58000,"hequity":12000,"nifa":8220,"net_nifa":8220,"tfa":8420,"net_tfa":8420,"tfa_he":20420,"tw":28420,"age":41,"inc":57252,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":8220,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":8450,"net_nifa":7250,"tfa":18450,"net_tfa":17250,"tfa_he":17250,"tw":18075,"age":38,"inc":26538,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":7250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":780,"hval":38600,"hmort":38600,"hequity":0,"nifa":1500,"net_nifa":1500,"tfa":2280,"net_tfa":2280,"tfa_he":2280,"tw":1280,"age":41,"inc":29706,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":21347,"hval":75000,"hmort":36000,"hequity":39000,"nifa":17850,"net_nifa":17850,"tfa":39197,"net_tfa":39197,"tfa_he":78197,"tw":78197,"age":33,"inc":44466,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":17850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":451,"net_nifa":-11199,"tfa":451,"net_tfa":-11199,"tfa_he":-11199,"tw":-7849,"age":40,"inc":33177,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-11199,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":-1801,"tfa":799,"net_tfa":-1801,"tfa_he":-1801,"tw":-301,"age":28,"inc":20100,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-1801,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":45000,"hequity":0,"nifa":8111,"net_nifa":8111,"tfa":8111,"net_tfa":8111,"tfa_he":8111,"tw":17111,"age":55,"inc":18375,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":8111,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":34000,"hequity":41000,"nifa":1300,"net_nifa":-1000,"tfa":1300,"net_tfa":-1000,"tfa_he":40000,"tw":52000,"age":35,"inc":39162,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":171,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-13400,"tfa":771,"net_tfa":-13229,"tfa_he":-13229,"tw":-13229,"age":33,"inc":30714,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-13400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9500,"hval":48000,"hmort":36500,"hequity":11500,"nifa":3260,"net_nifa":1200,"tfa":12760,"net_tfa":10700,"tfa_he":22200,"tw":24700,"age":42,"inc":38091,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":32600,"hequity":12400,"nifa":606,"net_nifa":-1894,"tfa":606,"net_tfa":-1894,"tfa_he":10506,"tw":30506,"age":37,"inc":29523,"fsize":4,"educ":13,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1894,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":750,"a401":0,"hval":60000,"hmort":35100,"hequity":24900,"nifa":300,"net_nifa":-5400,"tfa":1050,"net_tfa":-4650,"tfa_he":20250,"tw":20250,"age":35,"inc":44379,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":-4650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":58000,"a401":13767,"hval":163000,"hmort":130400,"hequity":32600,"nifa":94325,"net_nifa":92625,"tfa":166092,"net_tfa":164392,"tfa_he":196992,"tw":230592,"age":46,"inc":91017,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":150625,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":3000,"hval":55000,"hmort":45000,"hequity":10000,"nifa":18174,"net_nifa":13974,"tfa":31174,"net_tfa":26974,"tfa_he":36974,"tw":40974,"age":40,"inc":52920,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":23974,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15700,"a401":3909,"hval":175000,"hmort":150000,"hequity":25000,"nifa":67900,"net_nifa":67900,"tfa":87509,"net_tfa":87509,"tfa_he":112509,"tw":121509,"age":29,"inc":91536,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":83600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":139000,"hmort":139000,"hequity":0,"nifa":8830,"net_nifa":-670,"tfa":15830,"net_tfa":6330,"tfa_he":6330,"tw":5330,"age":48,"inc":76680,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":-670,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":14000,"hval":23000,"hmort":15000,"hequity":8000,"nifa":350,"net_nifa":350,"tfa":14350,"net_tfa":14350,"tfa_he":22350,"tw":23350,"age":43,"inc":15300,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-1500,"tfa":10500,"net_tfa":6500,"tfa_he":6500,"tw":7500,"age":37,"inc":73665,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":100000,"hmort":30000,"hequity":70000,"nifa":9000,"net_nifa":-1400,"tfa":14000,"net_tfa":3600,"tfa_he":73600,"tw":73600,"age":58,"inc":33816,"fsize":3,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":20000,"hval":88000,"hmort":25000,"hequity":63000,"nifa":11500,"net_nifa":11500,"tfa":31500,"net_tfa":31500,"tfa_he":94500,"tw":100800,"age":46,"inc":32637,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":0,"hmort":0,"hequity":0,"nifa":6400,"net_nifa":-1100,"tfa":17400,"net_tfa":9900,"tfa_he":9900,"tw":14125,"age":35,"inc":40860,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":-1100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":80600,"hval":150000,"hmort":25000,"hequity":125000,"nifa":6099,"net_nifa":5299,"tfa":98699,"net_tfa":97899,"tfa_he":222899,"tw":222899,"age":57,"inc":40152,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":17299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":30000,"hval":160000,"hmort":70000,"hequity":90000,"nifa":8575,"net_nifa":7775,"tfa":88575,"net_tfa":87775,"tfa_he":177775,"tw":185850,"age":38,"inc":45948,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":57775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":80000,"hval":100000,"hmort":78000,"hequity":22000,"nifa":60999,"net_nifa":56999,"tfa":142999,"net_tfa":138999,"tfa_he":160999,"tw":252749,"age":54,"inc":57063,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":58999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":600,"net_nifa":-1087,"tfa":600,"net_tfa":-1087,"tfa_he":18913,"tw":18913,"age":29,"inc":10791,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-1087,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":95000,"hmort":0,"hequity":95000,"nifa":8000,"net_nifa":8000,"tfa":15000,"net_tfa":15000,"tfa_he":110000,"tw":115000,"age":56,"inc":31350,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":2849,"net_nifa":2849,"tfa":5249,"net_tfa":5249,"tfa_he":5249,"tw":22612,"age":35,"inc":23892,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":2849,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":405,"hval":72000,"hmort":67000,"hequity":5000,"nifa":3720,"net_nifa":-2789,"tfa":4125,"net_tfa":-2384,"tfa_he":2616,"tw":8216,"age":30,"inc":43728,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-2789,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":25000,"hval":275000,"hmort":35000,"hequity":240000,"nifa":78600,"net_nifa":78600,"tfa":133600,"net_tfa":133600,"tfa_he":373600,"tw":381696,"age":53,"inc":83460,"fsize":4,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":108600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":15000,"hval":60000,"hmort":52000,"hequity":8000,"nifa":8700,"net_nifa":5961,"tfa":27700,"net_tfa":24961,"tfa_he":32961,"tw":33511,"age":54,"inc":68010,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":9961,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":97100,"hval":150000,"hmort":49000,"hequity":101000,"nifa":9250,"net_nifa":8850,"tfa":106350,"net_tfa":105950,"tfa_he":206950,"tw":231950,"age":54,"inc":70179,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":8850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":27000,"hval":100000,"hmort":55000,"hequity":45000,"nifa":30,"net_nifa":-1430,"tfa":27030,"net_tfa":25570,"tfa_he":70570,"tw":79070,"age":39,"inc":19806,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":-1430,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":133900,"hmort":48000,"hequity":85900,"nifa":1500,"net_nifa":-1000,"tfa":7000,"net_tfa":4500,"tfa_he":90400,"tw":94600,"age":44,"inc":74277,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":0,"hmort":0,"hequity":0,"nifa":19999,"net_nifa":19999,"tfa":33999,"net_tfa":33999,"tfa_he":33999,"tw":35499,"age":41,"inc":22800,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":19999,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":75000,"hmort":51000,"hequity":24000,"nifa":8548,"net_nifa":2748,"tfa":9548,"net_tfa":3748,"tfa_he":27748,"tw":27748,"age":33,"inc":58026,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2748,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":100000,"hmort":80000,"hequity":20000,"nifa":14685,"net_nifa":11885,"tfa":21685,"net_tfa":18885,"tfa_he":38885,"tw":38885,"age":34,"inc":112509,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":11885,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10500,"a401":2000,"hval":80000,"hmort":33750,"hequity":46250,"nifa":3748,"net_nifa":2748,"tfa":16248,"net_tfa":15248,"tfa_he":61498,"tw":62048,"age":50,"inc":16521,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.31086,"net_n401":13248,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":30000,"hval":120000,"hmort":45000,"hequity":75000,"nifa":26560,"net_nifa":26560,"tfa":56560,"net_tfa":56560,"tfa_he":131560,"tw":141560,"age":39,"inc":49689,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":26560,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":2148,"hval":300000,"hmort":131000,"hequity":169000,"nifa":30198,"net_nifa":29048,"tfa":61346,"net_tfa":60196,"tfa_he":229196,"tw":267050,"age":44,"inc":97887,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":58048,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10042,"net_nifa":6442,"tfa":10042,"net_tfa":6442,"tfa_he":6442,"tw":8942,"age":31,"inc":23481,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":6442,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":21000,"hmort":18000,"hequity":3000,"nifa":2200,"net_nifa":1600,"tfa":2800,"net_tfa":2200,"tfa_he":5200,"tw":7468,"age":32,"inc":18789,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":1600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1750,"tfa":42000,"net_tfa":41750,"tfa_he":41750,"tw":99175,"age":50,"inc":35700,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":1750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":65000,"hmort":38000,"hequity":27000,"nifa":500,"net_nifa":-400,"tfa":1100,"net_tfa":200,"tfa_he":27200,"tw":40200,"age":31,"inc":24006,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":30000,"hmort":26998,"hequity":3002,"nifa":800,"net_nifa":-1200,"tfa":22800,"net_tfa":20800,"tfa_he":23802,"tw":27602,"age":50,"inc":36210,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":45,"net_nifa":-2455,"tfa":445,"net_tfa":-2055,"tfa_he":-2055,"tw":-55,"age":26,"inc":17619,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-2455,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10095,"a401":20200,"hval":140000,"hmort":69000,"hequity":71000,"nifa":49033,"net_nifa":49033,"tfa":79328,"net_tfa":79328,"tfa_he":150328,"tw":161003,"age":48,"inc":88596,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":59128,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1600,"hval":30000,"hmort":21500,"hequity":8500,"nifa":500,"net_nifa":-2100,"tfa":2100,"net_tfa":-500,"tfa_he":8000,"tw":12000,"age":40,"inc":39045,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":46000,"hmort":37400,"hequity":8600,"nifa":2700,"net_nifa":2700,"tfa":22700,"net_tfa":22700,"tfa_he":31300,"tw":40300,"age":30,"inc":36486,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":25,"inc":20400,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":499,"net_tfa":499,"tfa_he":499,"tw":3774,"age":55,"inc":17913,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":499,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":420,"hval":100000,"hmort":69850,"hequity":30150,"nifa":2500,"net_nifa":1050,"tfa":2920,"net_tfa":1470,"tfa_he":31620,"tw":39620,"age":28,"inc":42579,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":53000,"hmort":53000,"hequity":0,"nifa":3500,"net_nifa":3500,"tfa":8500,"net_tfa":8500,"tfa_he":8500,"tw":13775,"age":30,"inc":20430,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":95000,"hmort":63000,"hequity":32000,"nifa":121000,"net_nifa":117100,"tfa":128000,"net_tfa":124100,"tfa_he":156100,"tw":164379,"age":35,"inc":32874,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":117100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":579,"net_tfa":579,"tfa_he":579,"tw":11079,"age":32,"inc":22383,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":49,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":50000,"hval":250000,"hmort":150000,"hequity":100000,"nifa":51408,"net_nifa":51408,"tfa":131408,"net_tfa":131408,"tfa_he":231408,"tw":234504,"age":48,"inc":34290,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":81408,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-1500,"tfa":400,"net_tfa":-1500,"tfa_he":-1500,"tw":-1000,"age":42,"inc":16224,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":912,"hval":0,"hmort":0,"hequity":0,"nifa":2350,"net_nifa":-1910,"tfa":3262,"net_tfa":-998,"tfa_he":-998,"tw":502,"age":28,"inc":9042,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":-1910,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":2000,"hval":58000,"hmort":52100,"hequity":5900,"nifa":7405,"net_nifa":7355,"tfa":9905,"net_tfa":9855,"tfa_he":15755,"tw":21614,"age":42,"inc":35244,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":7855,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":100000,"hmort":78000,"hequity":22000,"nifa":4400,"net_nifa":3400,"tfa":15400,"net_tfa":14400,"tfa_he":36400,"tw":51275,"age":35,"inc":50628,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":3400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":963,"hval":0,"hmort":0,"hequity":0,"nifa":198,"net_nifa":-2802,"tfa":3161,"net_tfa":161,"tfa_he":161,"tw":161,"age":28,"inc":38478,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":-802,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15742,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10641,"net_nifa":10591,"tfa":26383,"net_tfa":26333,"tfa_he":26333,"tw":26333,"age":52,"inc":19107,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.11816,"net_n401":26333,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":150000,"hmort":98950,"hequity":51050,"nifa":20577,"net_nifa":20527,"tfa":40577,"net_tfa":40527,"tfa_he":91577,"tw":100315,"age":29,"inc":61161,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.74723,"net_n401":20527,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":68000,"hmort":67250,"hequity":750,"nifa":10342,"net_nifa":-6658,"tfa":10742,"net_tfa":-6258,"tfa_he":-5508,"tw":-5508,"age":40,"inc":50292,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-6658,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":75000,"hval":95000,"hmort":68000,"hequity":27000,"nifa":1750,"net_nifa":-400,"tfa":76750,"net_tfa":74600,"tfa_he":101600,"tw":102987,"age":38,"inc":51528,"fsize":6,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":14600,"hval":175000,"hmort":35000,"hequity":140000,"nifa":2950,"net_nifa":2450,"tfa":23550,"net_tfa":23050,"tfa_he":163050,"tw":163050,"age":46,"inc":99597,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":8450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":2000,"hval":140000,"hmort":90000,"hequity":50000,"nifa":24000,"net_nifa":17000,"tfa":31000,"net_tfa":24000,"tfa_he":74000,"tw":92000,"age":52,"inc":80565,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":22000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":125000,"hmort":0,"hequity":125000,"nifa":35750,"net_nifa":35750,"tfa":115750,"net_tfa":115750,"tfa_he":240750,"tw":313750,"age":36,"inc":108276,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":35750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":170000,"hmort":150000,"hequity":20000,"nifa":10024,"net_nifa":10024,"tfa":60024,"net_tfa":60024,"tfa_he":80024,"tw":80024,"age":47,"inc":40200,"fsize":3,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":10024,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":656,"net_nifa":56,"tfa":4956,"net_tfa":4356,"tfa_he":4356,"tw":18731,"age":34,"inc":34062,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":56,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":29900,"hequity":220100,"nifa":81000,"net_nifa":80850,"tfa":81000,"net_tfa":80850,"tfa_he":300950,"tw":300950,"age":49,"inc":71691,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":80850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":0,"tfa":2500,"net_tfa":2000,"tfa_he":2000,"tw":6050,"age":25,"inc":31992,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4362,"a401":1212,"hval":70000,"hmort":0,"hequity":70000,"nifa":3289,"net_nifa":289,"tfa":8863,"net_tfa":5863,"tfa_he":75863,"tw":108196,"age":40,"inc":40677,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":4651,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":70000,"hval":110000,"hmort":65000,"hequity":45000,"nifa":32900,"net_nifa":12900,"tfa":118900,"net_tfa":98900,"tfa_he":143900,"tw":168900,"age":57,"inc":81690,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":28900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3577,"hval":37000,"hmort":27000,"hequity":10000,"nifa":155,"net_nifa":-630,"tfa":3732,"net_tfa":2947,"tfa_he":12947,"tw":13313,"age":56,"inc":16671,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-630,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":2800,"net_nifa":1400,"tfa":7800,"net_tfa":6400,"tfa_he":46400,"tw":46400,"age":34,"inc":47928,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":-5547,"tfa":0,"net_tfa":-5547,"tfa_he":24453,"tw":24453,"age":38,"inc":20970,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-5547,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":70000,"hmort":47500,"hequity":22500,"nifa":399,"net_nifa":-4201,"tfa":1299,"net_tfa":-3301,"tfa_he":19199,"tw":22589,"age":36,"inc":48921,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":-4201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":45000,"hmort":24900,"hequity":20100,"nifa":7400,"net_nifa":6800,"tfa":37400,"net_tfa":36800,"tfa_he":56900,"tw":65900,"age":40,"inc":37680,"fsize":5,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":6800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22000,"a401":18000,"hval":93000,"hmort":40000,"hequity":53000,"nifa":35300,"net_nifa":34700,"tfa":75300,"net_tfa":74700,"tfa_he":127700,"tw":130875,"age":60,"inc":42432,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":56700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":17000,"a401":17000,"hval":200000,"hmort":49100,"hequity":150900,"nifa":5000,"net_nifa":4000,"tfa":39000,"net_tfa":38000,"tfa_he":188900,"tw":270900,"age":42,"inc":38220,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":28000,"hequity":12000,"nifa":250,"net_nifa":-1550,"tfa":250,"net_tfa":-1550,"tfa_he":10450,"tw":17950,"age":39,"inc":16392,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":98000,"hmort":46000,"hequity":52000,"nifa":1458,"net_nifa":-6772,"tfa":1658,"net_tfa":-6572,"tfa_he":45428,"tw":45428,"age":37,"inc":46050,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-6772,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":66000,"hequity":4000,"nifa":1000,"net_nifa":-14700,"tfa":1000,"net_tfa":-14700,"tfa_he":-10700,"tw":-10700,"age":40,"inc":48780,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-14700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":100,"tfa":600,"net_tfa":100,"tfa_he":100,"tw":1100,"age":30,"inc":23112,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-10600,"tfa":41400,"net_tfa":29400,"tfa_he":29400,"tw":30550,"age":40,"inc":40650,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-10600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":31000,"hmort":17500,"hequity":13500,"nifa":5100,"net_nifa":-3100,"tfa":5100,"net_tfa":-3100,"tfa_he":10400,"tw":31400,"age":29,"inc":25908,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":5000,"hval":250000,"hmort":45000,"hequity":205000,"nifa":6475,"net_nifa":5275,"tfa":22475,"net_tfa":21275,"tfa_he":226275,"tw":239275,"age":39,"inc":46110,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":16275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":37580,"hval":198000,"hmort":105000,"hequity":93000,"nifa":6699,"net_nifa":899,"tfa":44279,"net_tfa":38479,"tfa_he":131479,"tw":131479,"age":44,"inc":114360,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":1301,"net_nifa":1301,"tfa":2301,"net_tfa":2301,"tfa_he":2301,"tw":8301,"age":43,"inc":16446,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":1301,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":45000,"hequity":5000,"nifa":9999,"net_nifa":8999,"tfa":9999,"net_tfa":8999,"tfa_he":13999,"tw":14799,"age":29,"inc":47178,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":8999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":73000,"hequity":7000,"nifa":1707,"net_nifa":1407,"tfa":1707,"net_tfa":1407,"tfa_he":8407,"tw":26407,"age":51,"inc":76263,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":1407,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2749,"net_nifa":-251,"tfa":2749,"net_tfa":-251,"tfa_he":-251,"tw":2749,"age":30,"inc":80109,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":-251,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":105000,"hmort":85000,"hequity":20000,"nifa":26200,"net_nifa":23400,"tfa":76200,"net_tfa":73400,"tfa_he":93400,"tw":100400,"age":34,"inc":51780,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":23400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":6100,"net_nifa":4600,"tfa":9100,"net_tfa":7600,"tfa_he":82600,"tw":94600,"age":36,"inc":40515,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":7600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":125000,"hmort":0,"hequity":125000,"nifa":42224,"net_nifa":37624,"tfa":57224,"net_tfa":52624,"tfa_he":177624,"tw":177624,"age":55,"inc":53454,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":52624,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1000,"a401":154,"hval":36000,"hmort":28000,"hequity":8000,"nifa":12,"net_nifa":-5763,"tfa":1166,"net_tfa":-4609,"tfa_he":3391,"tw":3391,"age":31,"inc":30636,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":-4763,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":425,"hval":0,"hmort":0,"hequity":0,"nifa":252,"net_nifa":-98,"tfa":677,"net_tfa":327,"tfa_he":327,"tw":6327,"age":26,"inc":28683,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-98,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":84000,"hmort":49500,"hequity":34500,"nifa":2800,"net_nifa":-6700,"tfa":32800,"net_tfa":23300,"tfa_he":57800,"tw":57800,"age":36,"inc":69783,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":800,"tfa":800,"net_tfa":800,"tfa_he":800,"tw":3800,"age":31,"inc":23235,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":49,"net_nifa":49,"tfa":49,"net_tfa":49,"tfa_he":49,"tw":724,"age":26,"inc":20340,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":49,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":52000,"hmort":20000,"hequity":32000,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":32400,"tw":50900,"age":43,"inc":25500,"fsize":2,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":125000,"hmort":103000,"hequity":22000,"nifa":8900,"net_nifa":-3600,"tfa":8900,"net_tfa":-3600,"tfa_he":18400,"tw":18400,"age":43,"inc":52347,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":0,"hval":105000,"hmort":20000,"hequity":85000,"nifa":27099,"net_nifa":27099,"tfa":39099,"net_tfa":39099,"tfa_he":124099,"tw":124099,"age":43,"inc":27546,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":39099,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-17200,"tfa":1600,"net_tfa":-15900,"tfa_he":-15900,"tw":-15900,"age":26,"inc":27693,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-17200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":1000,"hval":69000,"hmort":68200,"hequity":800,"nifa":449,"net_nifa":-9051,"tfa":7449,"net_tfa":-2051,"tfa_he":-1251,"tw":8749,"age":28,"inc":25317,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":-3051,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5200,"a401":5200,"hval":60000,"hmort":50000,"hequity":10000,"nifa":2400,"net_nifa":-1100,"tfa":12800,"net_tfa":9300,"tfa_he":19300,"tw":33300,"age":27,"inc":40134,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":500,"age":29,"inc":35385,"fsize":3,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.58963,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":95000,"hmort":80000,"hequity":15000,"nifa":2330,"net_nifa":-1670,"tfa":10330,"net_tfa":6330,"tfa_he":21330,"tw":21330,"age":29,"inc":93357,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":-1670,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":57000,"a401":5088,"hval":90000,"hmort":0,"hequity":90000,"nifa":1799,"net_nifa":-201,"tfa":63887,"net_tfa":61887,"tfa_he":151887,"tw":446887,"age":58,"inc":25977,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.2696,"net_n401":56799,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5700,"a401":52000,"hval":38000,"hmort":28500,"hequity":9500,"nifa":2500,"net_nifa":975,"tfa":60200,"net_tfa":58675,"tfa_he":68175,"tw":92299,"age":42,"inc":53496,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":6675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":16825,"hval":0,"hmort":0,"hequity":0,"nifa":6051,"net_nifa":-4838,"tfa":22876,"net_tfa":11987,"tfa_he":11987,"tw":11987,"age":29,"inc":43533,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-4838,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":360,"hval":120000,"hmort":61000,"hequity":59000,"nifa":98498,"net_nifa":98498,"tfa":98858,"net_tfa":98858,"tfa_he":157858,"tw":157858,"age":52,"inc":73920,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":98498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15750,"a401":1000,"hval":40000,"hmort":17000,"hequity":23000,"nifa":6500,"net_nifa":-15500,"tfa":23250,"net_tfa":1250,"tfa_he":24250,"tw":24250,"age":57,"inc":75144,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":45450,"a401":5600,"hval":98000,"hmort":7500,"hequity":90500,"nifa":57500,"net_nifa":57420,"tfa":108550,"net_tfa":108470,"tfa_he":198970,"tw":220330,"age":53,"inc":41238,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":102870,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25000,"a401":0,"hval":150000,"hmort":95000,"hequity":55000,"nifa":53000,"net_nifa":52000,"tfa":78000,"net_tfa":77000,"tfa_he":132000,"tw":132000,"age":46,"inc":59769,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":77000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1450,"net_nifa":1450,"tfa":1450,"net_tfa":1450,"tfa_he":1450,"tw":1450,"age":31,"inc":17310,"fsize":6,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":1450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":57000,"hequity":88000,"nifa":3050,"net_nifa":-1395,"tfa":3050,"net_tfa":-1395,"tfa_he":86605,"tw":131181,"age":47,"inc":48375,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-1395,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3200,"a401":0,"hval":77000,"hmort":77000,"hequity":0,"nifa":1100,"net_nifa":1100,"tfa":4300,"net_tfa":4300,"tfa_he":4300,"tw":33725,"age":45,"inc":20010,"fsize":4,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":4300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":23381,"a401":11000,"hval":57000,"hmort":49400,"hequity":7600,"nifa":18175,"net_nifa":14475,"tfa":52556,"net_tfa":48856,"tfa_he":56456,"tw":56456,"age":37,"inc":48966,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":37856,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2300,"net_tfa":2300,"tfa_he":2300,"tw":2800,"age":50,"inc":7854,"fsize":5,"educ":10,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":5234,"net_nifa":434,"tfa":5234,"net_tfa":434,"tfa_he":150434,"tw":156434,"age":40,"inc":74418,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":434,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":65000,"hmort":45000,"hequity":20000,"nifa":0,"net_nifa":0,"tfa":5000,"net_tfa":5000,"tfa_he":25000,"tw":25000,"age":39,"inc":39120,"fsize":7,"educ":6,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":949,"net_nifa":949,"tfa":949,"net_tfa":949,"tfa_he":949,"tw":1149,"age":42,"inc":32727,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":949,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":7199,"net_nifa":2640,"tfa":12199,"net_tfa":7640,"tfa_he":7640,"tw":16640,"age":25,"inc":14028,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11816,"net_n401":6640,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":5651,"net_nifa":5591,"tfa":8651,"net_tfa":8591,"tfa_he":8591,"tw":14766,"age":41,"inc":26790,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":6191,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":4000,"hval":67500,"hmort":42300,"hequity":25200,"nifa":3000,"net_nifa":-1000,"tfa":13000,"net_tfa":9000,"tfa_he":34200,"tw":43533,"age":35,"inc":22521,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":35000,"hmort":30000,"hequity":5000,"nifa":7807,"net_nifa":7107,"tfa":8207,"net_tfa":7507,"tfa_he":12507,"tw":14673,"age":34,"inc":17760,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":7107,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6050,"a401":0,"hval":205000,"hmort":150000,"hequity":55000,"nifa":1623,"net_nifa":-577,"tfa":7673,"net_tfa":5473,"tfa_he":60473,"tw":68473,"age":34,"inc":43890,"fsize":6,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":5473,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":800,"hval":39000,"hmort":38500,"hequity":500,"nifa":800,"net_nifa":-21700,"tfa":2600,"net_tfa":-19900,"tfa_he":-19400,"tw":-7800,"age":38,"inc":45822,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":-20700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3800,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-401,"tfa":4299,"net_tfa":3399,"tfa_he":3399,"tw":9124,"age":30,"inc":26430,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-401,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3400,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-3450,"tfa":3450,"net_tfa":-50,"tfa_he":-50,"tw":-50,"age":29,"inc":35706,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-3450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":6700,"hval":80000,"hmort":50000,"hequity":30000,"nifa":100,"net_nifa":100,"tfa":26800,"net_tfa":26800,"tfa_he":56800,"tw":56800,"age":61,"inc":27702,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":20100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":13000,"hval":110000,"hmort":70000,"hequity":40000,"nifa":120,"net_nifa":-6595,"tfa":13120,"net_tfa":6405,"tfa_he":46405,"tw":47405,"age":25,"inc":51315,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-6595,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":43584,"hequity":21416,"nifa":203,"net_nifa":-997,"tfa":203,"net_tfa":-997,"tfa_he":20419,"tw":20419,"age":60,"inc":35676,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-997,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":70300,"a401":37500,"hval":105000,"hmort":79500,"hequity":25500,"nifa":132664,"net_nifa":132664,"tfa":240464,"net_tfa":240464,"tfa_he":265964,"tw":390064,"age":40,"inc":91653,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":202964,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5100,"a401":5100,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6525,"tfa":10200,"net_tfa":3675,"tfa_he":3675,"tw":6150,"age":28,"inc":24348,"fsize":3,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.51179,"net_n401":-1425,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":44000,"a401":92205,"hval":73340,"hmort":0,"hequity":73340,"nifa":50400,"net_nifa":50400,"tfa":186605,"net_tfa":186605,"tfa_he":259945,"tw":259945,"age":52,"inc":50682,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":94400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":72000,"hmort":59000,"hequity":13000,"nifa":13794,"net_nifa":13794,"tfa":25794,"net_tfa":25794,"tfa_he":38794,"tw":96994,"age":44,"inc":68535,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":13794,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17300,"a401":8000,"hval":62300,"hmort":62300,"hequity":0,"nifa":60499,"net_nifa":55499,"tfa":85799,"net_tfa":80799,"tfa_he":80799,"tw":108374,"age":53,"inc":47190,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.44148,"net_n401":72799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5500,"hval":165000,"hmort":0,"hequity":165000,"nifa":80020,"net_nifa":69798,"tfa":85520,"net_tfa":75298,"tfa_he":240298,"tw":246048,"age":41,"inc":61428,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.4938,"net_n401":69798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":88000,"hmort":22500,"hequity":65500,"nifa":6000,"net_nifa":6000,"tfa":8000,"net_tfa":8000,"tfa_he":73500,"tw":73500,"age":46,"inc":43158,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":37,"inc":25920,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":150000,"hmort":64400,"hequity":85600,"nifa":57770,"net_nifa":57703,"tfa":67770,"net_tfa":67703,"tfa_he":153303,"tw":153303,"age":40,"inc":55464,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":57703,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":39,"inc":17037,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":323,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":980,"tfa":1423,"net_tfa":1303,"tfa_he":1303,"tw":3728,"age":34,"inc":19413,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":980,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":31000,"hval":115000,"hmort":80000,"hequity":35000,"nifa":4447,"net_nifa":3232,"tfa":47447,"net_tfa":46232,"tfa_he":81232,"tw":81232,"age":38,"inc":69714,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":15232,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":10000,"hval":229000,"hmort":93000,"hequity":136000,"nifa":1749,"net_nifa":1749,"tfa":14249,"net_tfa":14249,"tfa_he":150249,"tw":210674,"age":48,"inc":49746,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":4249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":35000,"hval":116000,"hmort":60000,"hequity":56000,"nifa":1949,"net_nifa":1949,"tfa":40949,"net_tfa":40949,"tfa_he":96949,"tw":100002,"age":50,"inc":45045,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6509,"net_n401":5949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":403,"hval":0,"hmort":0,"hequity":0,"nifa":1700,"net_nifa":-310,"tfa":2103,"net_tfa":93,"tfa_he":93,"tw":4668,"age":36,"inc":19422,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-310,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":800,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":4075,"net_nifa":-9965,"tfa":4875,"net_tfa":-9165,"tfa_he":40835,"tw":40835,"age":49,"inc":36630,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.54491,"net_n401":-9165,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":18000,"hval":125000,"hmort":0,"hequity":125000,"nifa":4999,"net_nifa":2999,"tfa":29999,"net_tfa":27999,"tfa_he":152999,"tw":152999,"age":57,"inc":34791,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":16000,"a401":16000,"hval":150000,"hmort":82500,"hequity":67500,"nifa":14000,"net_nifa":14000,"tfa":46000,"net_tfa":46000,"tfa_he":113500,"tw":118175,"age":48,"inc":60000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":30000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":381,"hval":64000,"hmort":48000,"hequity":16000,"nifa":147,"net_nifa":-6853,"tfa":528,"net_tfa":-6472,"tfa_he":9528,"tw":13903,"age":26,"inc":16854,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-6853,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23000,"net_nifa":22700,"tfa":25500,"net_tfa":25200,"tfa_he":25200,"tw":37253,"age":33,"inc":35130,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":25200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":80000,"hmort":73600,"hequity":6400,"nifa":4700,"net_nifa":4700,"tfa":6500,"net_tfa":6500,"tfa_he":12900,"tw":16600,"age":26,"inc":45312,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":28307,"hmort":28307,"hequity":0,"nifa":150,"net_nifa":-10550,"tfa":150,"net_tfa":-10550,"tfa_he":-10550,"tw":4426,"age":25,"inc":31635,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-10550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":62000,"hmort":37500,"hequity":24500,"nifa":1300,"net_nifa":1300,"tfa":23300,"net_tfa":23300,"tfa_he":47800,"tw":47938,"age":46,"inc":17994,"fsize":4,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":1300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":42000,"hmort":15000,"hequity":27000,"nifa":1100,"net_nifa":0,"tfa":7100,"net_tfa":6000,"tfa_he":33000,"tw":33000,"age":52,"inc":40329,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-950,"tfa":0,"net_tfa":-950,"tfa_he":-950,"tw":169050,"age":48,"inc":75798,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":-950,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":9000,"hval":250000,"hmort":149000,"hequity":101000,"nifa":21914,"net_nifa":20914,"tfa":36914,"net_tfa":35914,"tfa_he":136914,"tw":136914,"age":33,"inc":100563,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":26914,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-2700,"tfa":340,"net_tfa":-2660,"tfa_he":-2660,"tw":-2160,"age":25,"inc":11157,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":45000,"hmort":39800,"hequity":5200,"nifa":381,"net_nifa":381,"tfa":10381,"net_tfa":10381,"tfa_he":15581,"tw":15581,"age":38,"inc":23790,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":381,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":53000,"a401":6000,"hval":92000,"hmort":63000,"hequity":29000,"nifa":7086,"net_nifa":5306,"tfa":66086,"net_tfa":64306,"tfa_he":93306,"tw":182806,"age":60,"inc":41985,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":58306,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":0,"hval":140000,"hmort":96000,"hequity":44000,"nifa":67799,"net_nifa":67499,"tfa":73799,"net_tfa":73499,"tfa_he":117499,"tw":117499,"age":33,"inc":68481,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":73499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":270000,"hmort":91000,"hequity":179000,"nifa":3449,"net_nifa":-17351,"tfa":4449,"net_tfa":-16351,"tfa_he":162649,"tw":162649,"age":38,"inc":49704,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-17351,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":52000,"hval":15000,"hmort":12000,"hequity":3000,"nifa":0,"net_nifa":0,"tfa":52000,"net_tfa":52000,"tfa_he":55000,"tw":61000,"age":52,"inc":37512,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":17500,"hmort":0,"hequity":17500,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":18500,"tw":18500,"age":58,"inc":29472,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":115,"net_nifa":-4735,"tfa":115,"net_tfa":-4735,"tfa_he":-4735,"tw":-2169,"age":25,"inc":22104,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4735,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":9000,"hval":150000,"hmort":90000,"hequity":60000,"nifa":9700,"net_nifa":9700,"tfa":27700,"net_tfa":27700,"tfa_he":87700,"tw":127700,"age":51,"inc":103848,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":18700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":150000,"hmort":129900,"hequity":20100,"nifa":1500,"net_nifa":-1500,"tfa":11500,"net_tfa":8500,"tfa_he":28600,"tw":33266,"age":29,"inc":44697,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":27000,"a401":1500,"hval":95000,"hmort":55000,"hequity":40000,"nifa":6500,"net_nifa":6250,"tfa":35000,"net_tfa":34750,"tfa_he":74750,"tw":84929,"age":39,"inc":36060,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":33250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":27500,"hequity":22500,"nifa":1350,"net_nifa":-650,"tfa":1350,"net_tfa":-650,"tfa_he":21850,"tw":21850,"age":40,"inc":27768,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":999,"net_nifa":999,"tfa":15999,"net_tfa":15999,"tfa_he":115999,"tw":161999,"age":58,"inc":45285,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":15999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2877,"hval":62000,"hmort":56500,"hequity":5500,"nifa":194,"net_nifa":-11606,"tfa":3071,"net_tfa":-8729,"tfa_he":-3229,"tw":3471,"age":31,"inc":52254,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-11606,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":16000,"hmort":14000,"hequity":2000,"nifa":461,"net_nifa":-11693,"tfa":22461,"net_tfa":10307,"tfa_he":12307,"tw":14507,"age":46,"inc":18507,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":-11693,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25000,"hequity":5000,"nifa":1250,"net_nifa":1250,"tfa":1250,"net_tfa":1250,"tfa_he":6250,"tw":53250,"age":33,"inc":27033,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3609,"hval":35000,"hmort":35000,"hequity":0,"nifa":2854,"net_nifa":542,"tfa":6463,"net_tfa":4151,"tfa_he":4151,"tw":12181,"age":30,"inc":36447,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":542,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":80000,"hmort":0,"hequity":80000,"nifa":500,"net_nifa":-3500,"tfa":600,"net_tfa":-3400,"tfa_he":76600,"tw":76600,"age":48,"inc":15300,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-3500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3500,"a401":3500,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":7050,"net_tfa":7050,"tfa_he":7050,"tw":9175,"age":41,"inc":25707,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":3550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":0,"net_nifa":-8000,"tfa":1000,"net_tfa":-7000,"tfa_he":33000,"tw":33000,"age":46,"inc":40335,"fsize":7,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4399,"hval":60000,"hmort":40000,"hequity":20000,"nifa":43600,"net_nifa":43600,"tfa":47999,"net_tfa":47999,"tfa_he":67999,"tw":67999,"age":28,"inc":57300,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":43600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":82000,"hmort":74900,"hequity":7100,"nifa":50,"net_nifa":50,"tfa":3050,"net_tfa":3050,"tfa_he":10150,"tw":18250,"age":48,"inc":34452,"fsize":6,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":240000,"hmort":150000,"hequity":90000,"nifa":2050,"net_nifa":1750,"tfa":12050,"net_tfa":11750,"tfa_he":101750,"tw":111750,"age":39,"inc":71829,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":655,"net_nifa":655,"tfa":1855,"net_tfa":1855,"tfa_he":1855,"tw":1855,"age":30,"inc":25950,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":655,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13785,"a401":0,"hval":58000,"hmort":15000,"hequity":43000,"nifa":13244,"net_nifa":13244,"tfa":27029,"net_tfa":27029,"tfa_he":70029,"tw":72773,"age":56,"inc":42144,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":27029,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":15000,"hequity":5000,"nifa":16799,"net_nifa":16799,"tfa":16799,"net_tfa":16799,"tfa_he":21799,"tw":22299,"age":39,"inc":38070,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":16799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11078,"a401":5599,"hval":90000,"hmort":0,"hequity":90000,"nifa":1714,"net_nifa":1350,"tfa":18391,"net_tfa":18027,"tfa_he":108027,"tw":120605,"age":44,"inc":52893,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":12428,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":110000,"hmort":19000,"hequity":91000,"nifa":33800,"net_nifa":32400,"tfa":53800,"net_tfa":52400,"tfa_he":143400,"tw":163400,"age":47,"inc":92931,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":52400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":0,"hval":66000,"hmort":56800,"hequity":9200,"nifa":1050,"net_nifa":-994,"tfa":18050,"net_tfa":16006,"tfa_he":25206,"tw":27106,"age":41,"inc":43299,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":16006,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":7850,"age":46,"inc":16860,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":40000,"hval":110000,"hmort":75850,"hequity":34150,"nifa":2568,"net_nifa":2568,"tfa":42568,"net_tfa":42568,"tfa_he":76718,"tw":76718,"age":53,"inc":76686,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":2568,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":48000,"hmort":48000,"hequity":0,"nifa":1200,"net_nifa":1200,"tfa":1200,"net_tfa":1200,"tfa_he":1200,"tw":1200,"age":38,"inc":44409,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25399,"net_nifa":25299,"tfa":25399,"net_tfa":25299,"tfa_he":25299,"tw":71299,"age":34,"inc":46161,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":25299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":42000,"hmort":15000,"hequity":27000,"nifa":3799,"net_nifa":1499,"tfa":8799,"net_tfa":6499,"tfa_he":33499,"tw":39197,"age":36,"inc":43164,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":100000,"hmort":78000,"hequity":22000,"nifa":25499,"net_nifa":20499,"tfa":27999,"net_tfa":22999,"tfa_he":44999,"tw":54999,"age":40,"inc":37827,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":20499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":80000,"hval":290000,"hmort":70000,"hequity":220000,"nifa":65300,"net_nifa":63300,"tfa":149300,"net_tfa":147300,"tfa_he":367300,"tw":367300,"age":46,"inc":79548,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":67300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10600,"a401":10172,"hval":0,"hmort":0,"hequity":0,"nifa":19085,"net_nifa":17085,"tfa":39857,"net_tfa":37857,"tfa_he":37857,"tw":45882,"age":39,"inc":69009,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.3108,"net_n401":27685,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":89,"hval":170000,"hmort":103000,"hequity":67000,"nifa":845,"net_nifa":-655,"tfa":934,"net_tfa":-566,"tfa_he":66434,"tw":66649,"age":32,"inc":42255,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-655,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":-4400,"tfa":2900,"net_tfa":-4100,"tfa_he":-4100,"tw":-2156,"age":42,"inc":20898,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-4400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-500,"tfa":2200,"net_tfa":700,"tfa_he":700,"tw":700,"age":37,"inc":24333,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19945,"a401":33500,"hval":90000,"hmort":40000,"hequity":50000,"nifa":2000,"net_nifa":920,"tfa":55445,"net_tfa":54365,"tfa_he":104365,"tw":110365,"age":44,"inc":63291,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":20865,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":41000,"hmort":41000,"hequity":0,"nifa":1000,"net_nifa":-3000,"tfa":3000,"net_tfa":-1000,"tfa_he":-1000,"tw":3675,"age":51,"inc":11703,"fsize":6,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-3000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":34300,"net_nifa":18600,"tfa":36800,"net_tfa":21100,"tfa_he":21100,"tw":21100,"age":28,"inc":29970,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.41722,"net_n401":21100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":87500,"hequity":32500,"nifa":2714,"net_nifa":514,"tfa":2714,"net_tfa":514,"tfa_he":33014,"tw":38014,"age":35,"inc":64737,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":514,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":420,"hval":95000,"hmort":62000,"hequity":33000,"nifa":13049,"net_nifa":11249,"tfa":13469,"net_tfa":11669,"tfa_he":44669,"tw":48169,"age":31,"inc":64038,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":11249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":82000,"hequity":38000,"nifa":5015,"net_nifa":-4985,"tfa":5015,"net_tfa":-4985,"tfa_he":33015,"tw":33015,"age":48,"inc":39846,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4985,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":725,"tfa":800,"net_tfa":725,"tfa_he":725,"tw":725,"age":41,"inc":12750,"fsize":6,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.3792,"net_n401":725,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":785,"hval":60000,"hmort":40000,"hequity":20000,"nifa":1448,"net_nifa":-3452,"tfa":2233,"net_tfa":-2667,"tfa_he":17333,"tw":18333,"age":44,"inc":38862,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-3452,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":200000,"hmort":45000,"hequity":155000,"nifa":20100,"net_nifa":20100,"tfa":45100,"net_tfa":45100,"tfa_he":200100,"tw":200100,"age":43,"inc":86400,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":45100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":175000,"hmort":100000,"hequity":75000,"nifa":16275,"net_nifa":7625,"tfa":21275,"net_tfa":12625,"tfa_he":87625,"tw":87625,"age":27,"inc":65847,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":7625,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":27500,"a401":6088,"hval":165000,"hmort":100000,"hequity":65000,"nifa":142499,"net_nifa":142199,"tfa":176087,"net_tfa":175787,"tfa_he":240787,"tw":329787,"age":56,"inc":93069,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":169699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5088,"hval":72000,"hmort":72000,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":8088,"net_tfa":8088,"tfa_he":8088,"tw":14988,"age":55,"inc":28920,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":17000,"net_nifa":17000,"tfa":29000,"net_tfa":29000,"tfa_he":29000,"tw":38053,"age":31,"inc":46050,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":28000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":14000,"hval":80000,"hmort":50000,"hequity":30000,"nifa":47000,"net_nifa":45500,"tfa":63000,"net_tfa":61500,"tfa_he":91500,"tw":95196,"age":43,"inc":47184,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":47500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3600,"hval":97000,"hmort":69000,"hequity":28000,"nifa":1068,"net_nifa":128,"tfa":4668,"net_tfa":3728,"tfa_he":31728,"tw":34678,"age":52,"inc":32973,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":128,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2672,"hval":0,"hmort":0,"hequity":0,"nifa":2735,"net_nifa":235,"tfa":5407,"net_tfa":2907,"tfa_he":2907,"tw":7337,"age":54,"inc":19116,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":235,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":36000,"a401":21000,"hval":80000,"hmort":0,"hequity":80000,"nifa":15599,"net_nifa":12699,"tfa":72599,"net_tfa":69699,"tfa_he":149699,"tw":162699,"age":54,"inc":53895,"fsize":2,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":48699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":80000,"hval":180000,"hmort":105000,"hequity":75000,"nifa":85000,"net_nifa":84800,"tfa":180000,"net_tfa":179800,"tfa_he":254800,"tw":276025,"age":51,"inc":67500,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":99800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":44000,"hval":125000,"hmort":77000,"hequity":48000,"nifa":1423,"net_nifa":1423,"tfa":45423,"net_tfa":45423,"tfa_he":93423,"tw":93423,"age":40,"inc":81216,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":1423,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":12000,"hmort":5522,"hequity":6478,"nifa":980,"net_nifa":880,"tfa":3980,"net_tfa":3880,"tfa_he":10358,"tw":19047,"age":26,"inc":34518,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":2050,"tfa":6000,"net_tfa":2850,"tfa_he":2850,"tw":12850,"age":30,"inc":59400,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":2050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":63000,"hmort":0,"hequity":63000,"nifa":500,"net_nifa":100,"tfa":14500,"net_tfa":14100,"tfa_he":77100,"tw":83300,"age":48,"inc":37986,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":45000,"hmort":21500,"hequity":23500,"nifa":1200,"net_nifa":-2700,"tfa":2700,"net_tfa":-1200,"tfa_he":22300,"tw":28250,"age":34,"inc":40062,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7700,"hval":0,"hmort":0,"hequity":0,"nifa":15700,"net_nifa":11700,"tfa":23400,"net_tfa":19400,"tfa_he":19400,"tw":21069,"age":31,"inc":26100,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":11700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17100,"a401":0,"hval":60000,"hmort":39000,"hequity":21000,"nifa":17200,"net_nifa":17200,"tfa":34300,"net_tfa":34300,"tfa_he":55300,"tw":55300,"age":36,"inc":36876,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":34300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-7100,"tfa":400,"net_tfa":-7100,"tfa_he":-7100,"tw":-4100,"age":38,"inc":35157,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-7100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":60000,"hequity":25000,"nifa":100,"net_nifa":-200,"tfa":100,"net_tfa":-200,"tfa_he":24800,"tw":24850,"age":43,"inc":24378,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":-21548,"tfa":2800,"net_tfa":-21548,"tfa_he":-21548,"tw":-21548,"age":27,"inc":39981,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-21548,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":32000,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":-7000,"tfa":34600,"net_tfa":25000,"tfa_he":25000,"tw":28433,"age":44,"inc":74850,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":21000,"hval":250000,"hmort":110000,"hequity":140000,"nifa":3350,"net_nifa":-200,"tfa":24350,"net_tfa":20800,"tfa_he":160800,"tw":164800,"age":40,"inc":63678,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":60000,"hval":120000,"hmort":42000,"hequity":78000,"nifa":30650,"net_nifa":30090,"tfa":90650,"net_tfa":90090,"tfa_he":168090,"tw":178090,"age":48,"inc":70263,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":30090,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":587,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1091,"tfa":587,"net_tfa":-504,"tfa_he":-504,"tw":4921,"age":38,"inc":28056,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-1091,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11500,"a401":8000,"hval":85000,"hmort":62000,"hequity":23000,"nifa":6931,"net_nifa":5931,"tfa":26431,"net_tfa":25431,"tfa_he":48431,"tw":51431,"age":34,"inc":65907,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":17431,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":8000,"hval":200000,"hmort":39000,"hequity":161000,"nifa":1499,"net_nifa":309,"tfa":13499,"net_tfa":12309,"tfa_he":173309,"tw":174709,"age":51,"inc":37770,"fsize":7,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":4309,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":37025,"net_nifa":35025,"tfa":37025,"net_tfa":35025,"tfa_he":35025,"tw":39025,"age":32,"inc":73500,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":35025,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2171,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-4800,"tfa":2871,"net_tfa":-2629,"tfa_he":-2629,"tw":746,"age":28,"inc":26010,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-4800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":48,"inc":54570,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":45000,"hmort":33000,"hequity":12000,"nifa":0,"net_nifa":0,"tfa":20000,"net_tfa":20000,"tfa_he":32000,"tw":32400,"age":41,"inc":12291,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-19000,"tfa":0,"net_tfa":-19000,"tfa_he":-19000,"tw":-19000,"age":26,"inc":22695,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-19000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":1050,"net_nifa":-1950,"tfa":2050,"net_tfa":-950,"tfa_he":-950,"tw":10646,"age":32,"inc":16848,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-1950,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50763,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4999,"tfa":72762,"net_tfa":72762,"tfa_he":72762,"tw":122762,"age":52,"inc":82278,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":55762,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2250,"a401":6240,"hval":75000,"hmort":0,"hequity":75000,"nifa":47800,"net_nifa":47800,"tfa":56290,"net_tfa":56290,"tfa_he":131290,"tw":131290,"age":56,"inc":24843,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":50050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":5000,"hval":115000,"hmort":70000,"hequity":45000,"nifa":80000,"net_nifa":78000,"tfa":87000,"net_tfa":85000,"tfa_he":130000,"tw":137675,"age":34,"inc":48270,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":80000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":63000,"hequity":12000,"nifa":500,"net_nifa":-9500,"tfa":500,"net_tfa":-9500,"tfa_he":2500,"tw":11500,"age":34,"inc":51960,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-9500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":26000,"hval":75000,"hmort":0,"hequity":75000,"nifa":41999,"net_nifa":37779,"tfa":67999,"net_tfa":63779,"tfa_he":138779,"tw":138779,"age":33,"inc":77760,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":37779,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":175,"hval":56000,"hmort":40000,"hequity":16000,"nifa":1100,"net_nifa":-3900,"tfa":5275,"net_tfa":275,"tfa_he":16275,"tw":21275,"age":33,"inc":45624,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":13600,"hmort":0,"hequity":13600,"nifa":900,"net_nifa":-5100,"tfa":900,"net_tfa":-5100,"tfa_he":8500,"tw":9795,"age":50,"inc":14544,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":-5100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":4000,"hmort":0,"hequity":4000,"nifa":610,"net_nifa":-790,"tfa":610,"net_tfa":-790,"tfa_he":3210,"tw":3210,"age":53,"inc":28041,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-790,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":32000,"hval":80000,"hmort":77500,"hequity":2500,"nifa":186,"net_nifa":-24114,"tfa":32186,"net_tfa":7886,"tfa_he":10386,"tw":12236,"age":34,"inc":45528,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":-24114,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":80000,"hval":0,"hmort":0,"hequity":0,"nifa":22000,"net_nifa":21650,"tfa":106500,"net_tfa":106150,"tfa_he":106150,"tw":110350,"age":25,"inc":25275,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":26150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":108000,"hmort":107000,"hequity":1000,"nifa":25000,"net_nifa":23500,"tfa":47000,"net_tfa":45500,"tfa_he":46500,"tw":50144,"age":33,"inc":46035,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":23500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":38800,"hmort":38800,"hequity":0,"nifa":485,"net_nifa":-3015,"tfa":485,"net_tfa":-3015,"tfa_he":-3015,"tw":916,"age":33,"inc":23730,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3015,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":51200,"hval":275000,"hmort":148000,"hequity":127000,"nifa":1400,"net_nifa":-10100,"tfa":52600,"net_tfa":41100,"tfa_he":168100,"tw":168100,"age":59,"inc":73116,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-10100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":9000,"age":36,"inc":45168,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":6000,"hval":95000,"hmort":73000,"hequity":22000,"nifa":500,"net_nifa":-5500,"tfa":12000,"net_tfa":6000,"tfa_he":28000,"tw":28000,"age":33,"inc":39996,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6800,"a401":6000,"hval":134000,"hmort":134000,"hequity":0,"nifa":3750,"net_nifa":1750,"tfa":16550,"net_tfa":14550,"tfa_he":14550,"tw":14550,"age":27,"inc":62895,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":8550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":130000,"hmort":20000,"hequity":110000,"nifa":1385,"net_nifa":-1665,"tfa":8385,"net_tfa":5335,"tfa_he":115335,"tw":116437,"age":54,"inc":31098,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1665,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":650,"hval":50000,"hmort":45000,"hequity":5000,"nifa":549,"net_nifa":549,"tfa":1199,"net_tfa":1199,"tfa_he":6199,"tw":7699,"age":26,"inc":14523,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":549,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":150000,"hmort":122000,"hequity":28000,"nifa":1240,"net_nifa":-4760,"tfa":4740,"net_tfa":-1260,"tfa_he":26740,"tw":26740,"age":46,"inc":50157,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-4760,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":16631,"hval":160000,"hmort":67500,"hequity":92500,"nifa":9549,"net_nifa":9499,"tfa":26180,"net_tfa":26130,"tfa_he":118630,"tw":119930,"age":38,"inc":94614,"fsize":2,"educ":13,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":9499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":95000,"hmort":65500,"hequity":29500,"nifa":1696,"net_nifa":1696,"tfa":5696,"net_tfa":5696,"tfa_he":35196,"tw":56196,"age":56,"inc":101190,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":1696,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3600,"hval":0,"hmort":0,"hequity":0,"nifa":725,"net_nifa":725,"tfa":4325,"net_tfa":4325,"tfa_he":4325,"tw":6825,"age":32,"inc":22872,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":725,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":171,"hval":46000,"hmort":30000,"hequity":16000,"nifa":40300,"net_nifa":40000,"tfa":42971,"net_tfa":42671,"tfa_he":58671,"tw":105671,"age":35,"inc":31950,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":42500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":70000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":20000,"net_nifa":19300,"tfa":98000,"net_tfa":97300,"tfa_he":247300,"tw":327300,"age":47,"inc":116001,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":27300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-9501,"tfa":1499,"net_tfa":-8501,"tfa_he":-8501,"tw":-8501,"age":39,"inc":8040,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.30218,"net_n401":-9501,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":25000,"hmort":15000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":10000,"tw":12625,"age":53,"inc":13497,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":10000,"hval":168000,"hmort":85000,"hequity":83000,"nifa":16000,"net_nifa":10000,"tfa":38000,"net_tfa":32000,"tfa_he":115000,"tw":128179,"age":29,"inc":56844,"fsize":1,"educ":1,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.78569,"net_n401":22000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":18000,"hval":95000,"hmort":40000,"hequity":55000,"nifa":4700,"net_nifa":-1500,"tfa":27700,"net_tfa":21500,"tfa_he":76500,"tw":113050,"age":59,"inc":40590,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":10000,"net_tfa":10000,"tfa_he":10000,"tw":10000,"age":43,"inc":15300,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":30000,"hval":129000,"hmort":0,"hequity":129000,"nifa":16000,"net_nifa":15550,"tfa":53000,"net_tfa":52550,"tfa_he":181550,"tw":230411,"age":56,"inc":39405,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":22550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":47000,"hval":150000,"hmort":0,"hequity":150000,"nifa":20285,"net_nifa":17785,"tfa":67285,"net_tfa":64785,"tfa_he":214785,"tw":214785,"age":50,"inc":58572,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":17785,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":25000,"hequity":5000,"nifa":3368,"net_nifa":2930,"tfa":3368,"net_tfa":2930,"tfa_he":7930,"tw":27430,"age":38,"inc":40290,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2930,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":5000,"hval":70000,"hmort":69850,"hequity":150,"nifa":498,"net_nifa":-3027,"tfa":12498,"net_tfa":8973,"tfa_he":9123,"tw":16123,"age":29,"inc":55830,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":3973,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":141900,"net_nifa":141125,"tfa":141900,"net_tfa":141125,"tfa_he":241125,"tw":244025,"age":46,"inc":35304,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":141125,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":85000,"hmort":66000,"hequity":19000,"nifa":12000,"net_nifa":11500,"tfa":92000,"net_tfa":91500,"tfa_he":110500,"tw":168500,"age":38,"inc":39291,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":20000,"hequity":15000,"nifa":200,"net_nifa":-600,"tfa":200,"net_tfa":-600,"tfa_he":14400,"tw":14400,"age":42,"inc":18726,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-600,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":90000,"hmort":0,"hequity":90000,"nifa":1500,"net_nifa":500,"tfa":8500,"net_tfa":7500,"tfa_he":97500,"tw":172500,"age":51,"inc":27132,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":65000,"hmort":60000,"hequity":5000,"nifa":499,"net_nifa":-7001,"tfa":10499,"net_tfa":2999,"tfa_he":7999,"tw":13960,"age":35,"inc":21630,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-7001,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":41000,"hmort":34000,"hequity":7000,"nifa":3275,"net_nifa":1050,"tfa":4975,"net_tfa":2750,"tfa_he":9750,"tw":9750,"age":37,"inc":50070,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":70000,"hmort":0,"hequity":70000,"nifa":1700,"net_nifa":-300,"tfa":7700,"net_tfa":5700,"tfa_he":75700,"tw":75700,"age":32,"inc":36600,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":65500,"hequity":29500,"nifa":16299,"net_nifa":14299,"tfa":16299,"net_tfa":14299,"tfa_he":43799,"tw":43799,"age":48,"inc":41565,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":14299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2400,"hval":90000,"hmort":40000,"hequity":50000,"nifa":47010,"net_nifa":37010,"tfa":49410,"net_tfa":39410,"tfa_he":89410,"tw":99410,"age":36,"inc":38136,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":37010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":0,"hval":110000,"hmort":96000,"hequity":14000,"nifa":11000,"net_nifa":3500,"tfa":20000,"net_tfa":12500,"tfa_he":26500,"tw":36625,"age":37,"inc":50619,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":12500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1600,"hval":52000,"hmort":33000,"hequity":19000,"nifa":17400,"net_nifa":17400,"tfa":19000,"net_tfa":19000,"tfa_he":38000,"tw":50000,"age":28,"inc":42513,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":17400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":0,"hequity":20000,"nifa":75,"net_nifa":-3775,"tfa":75,"net_tfa":-3775,"tfa_he":16225,"tw":25125,"age":50,"inc":22350,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-3775,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":86000,"hmort":41000,"hequity":45000,"nifa":249,"net_nifa":-6751,"tfa":4249,"net_tfa":-2751,"tfa_he":42249,"tw":42249,"age":50,"inc":41715,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-6751,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":250,"tfa":450,"net_tfa":250,"tfa_he":250,"tw":2950,"age":56,"inc":16440,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":3009,"net_nifa":2209,"tfa":3109,"net_tfa":2309,"tfa_he":2309,"tw":5659,"age":26,"inc":15228,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2209,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":55000,"hmort":55000,"hequity":0,"nifa":3099,"net_nifa":1099,"tfa":16099,"net_tfa":14099,"tfa_he":14099,"tw":22099,"age":36,"inc":53670,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":3565,"net_nifa":2615,"tfa":5565,"net_tfa":4615,"tfa_he":4615,"tw":12915,"age":34,"inc":28293,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":2615,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":171,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":571,"net_tfa":571,"tfa_he":571,"tw":571,"age":31,"inc":28359,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.43669,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":7000,"hval":157000,"hmort":8000,"hequity":149000,"nifa":34000,"net_nifa":33000,"tfa":46000,"net_tfa":45000,"tfa_he":194000,"tw":197350,"age":43,"inc":32100,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":38000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":67700,"hmort":61500,"hequity":6200,"nifa":5300,"net_nifa":2300,"tfa":5300,"net_tfa":2300,"tfa_he":8500,"tw":9875,"age":32,"inc":27405,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1400,"hval":80000,"hmort":75500,"hequity":4500,"nifa":5000,"net_nifa":4500,"tfa":6400,"net_tfa":5900,"tfa_he":10400,"tw":56400,"age":44,"inc":37530,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":50000,"hmort":43000,"hequity":7000,"nifa":40,"net_nifa":-13010,"tfa":2040,"net_tfa":-11010,"tfa_he":-4010,"tw":-4010,"age":25,"inc":34200,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-13010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":27500,"hequity":47500,"nifa":3220,"net_nifa":3220,"tfa":3220,"net_tfa":3220,"tfa_he":50720,"tw":56720,"age":46,"inc":48528,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":3220,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":28000,"hequity":52000,"nifa":1484,"net_nifa":1072,"tfa":1484,"net_tfa":1072,"tfa_he":53072,"tw":53072,"age":60,"inc":39675,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1072,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":125000,"hmort":48000,"hequity":77000,"nifa":43297,"net_nifa":41297,"tfa":43297,"net_tfa":41297,"tfa_he":118297,"tw":118297,"age":47,"inc":66405,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":41297,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":2750,"tfa":5800,"net_tfa":5750,"tfa_he":5750,"tw":8750,"age":42,"inc":16467,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":2750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":117000,"hmort":102000,"hequity":15000,"nifa":300,"net_nifa":-700,"tfa":300,"net_tfa":-700,"tfa_he":14300,"tw":18300,"age":37,"inc":26526,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":80000,"hmort":54000,"hequity":26000,"nifa":40,"net_nifa":-9960,"tfa":5040,"net_tfa":-4960,"tfa_he":21040,"tw":21040,"age":58,"inc":14670,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-9960,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":27000,"a401":14300,"hval":145000,"hmort":118000,"hequity":27000,"nifa":24300,"net_nifa":14500,"tfa":65600,"net_tfa":55800,"tfa_he":82800,"tw":93933,"age":30,"inc":78174,"fsize":3,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":41500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":38328,"hval":40000,"hmort":39000,"hequity":1000,"nifa":6000,"net_nifa":3500,"tfa":44328,"net_tfa":41828,"tfa_he":42828,"tw":53828,"age":41,"inc":48612,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-11000,"tfa":4000,"net_tfa":-10000,"tfa_he":-10000,"tw":-5000,"age":31,"inc":42510,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":-11000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":30000,"hequity":40000,"nifa":220,"net_nifa":-180,"tfa":220,"net_tfa":-180,"tfa_he":39820,"tw":39820,"age":51,"inc":30780,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-180,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":528,"a401":35000,"hval":0,"hmort":0,"hequity":0,"nifa":31200,"net_nifa":30772,"tfa":66728,"net_tfa":66300,"tfa_he":66300,"tw":67643,"age":42,"inc":43032,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32494,"net_n401":31300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":33000,"hval":0,"hmort":0,"hequity":0,"nifa":7498,"net_nifa":7498,"tfa":42498,"net_tfa":42498,"tfa_he":42498,"tw":46723,"age":49,"inc":32838,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.67399,"net_n401":9498,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":55000,"hequity":5000,"nifa":17500,"net_nifa":17500,"tfa":17500,"net_tfa":17500,"tfa_he":22500,"tw":22500,"age":46,"inc":36120,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":17500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8577,"a401":7200,"hval":70000,"hmort":0,"hequity":70000,"nifa":41250,"net_nifa":40450,"tfa":57027,"net_tfa":56227,"tfa_he":126227,"tw":138227,"age":56,"inc":61524,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":49027,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":17000,"a401":4000,"hval":80000,"hmort":42000,"hequity":38000,"nifa":30511,"net_nifa":30011,"tfa":51511,"net_tfa":51011,"tfa_he":89011,"tw":104911,"age":55,"inc":74688,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":47011,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":170000,"hmort":130000,"hequity":40000,"nifa":9599,"net_nifa":5099,"tfa":9599,"net_tfa":5099,"tfa_he":45099,"tw":55209,"age":33,"inc":110250,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":5099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":54000,"hmort":47200,"hequity":6800,"nifa":101,"net_nifa":-4599,"tfa":1001,"net_tfa":-3699,"tfa_he":3101,"tw":15101,"age":36,"inc":24267,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6400,"a401":0,"hval":75000,"hmort":20000,"hequity":55000,"nifa":12050,"net_nifa":12050,"tfa":18450,"net_tfa":18450,"tfa_he":73450,"tw":73450,"age":46,"inc":70815,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":18450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":58000,"hmort":45000,"hequity":13000,"nifa":7999,"net_nifa":5999,"tfa":27999,"net_tfa":25999,"tfa_he":38999,"tw":41499,"age":53,"inc":30765,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":5999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4114,"hval":149476,"hmort":149476,"hequity":0,"nifa":730,"net_nifa":-21745,"tfa":4844,"net_tfa":-17631,"tfa_he":-17631,"tw":-14331,"age":38,"inc":74457,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-21745,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":63000,"hmort":48500,"hequity":14500,"nifa":50,"net_nifa":-12950,"tfa":8050,"net_tfa":-4950,"tfa_he":9550,"tw":12160,"age":44,"inc":18939,"fsize":2,"educ":1,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":-12950,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":17000,"hmort":17000,"hequity":0,"nifa":200,"net_nifa":-3300,"tfa":200,"net_tfa":-3300,"tfa_he":-3300,"tw":-1459,"age":32,"inc":24564,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11250,"a401":24750,"hval":300000,"hmort":100000,"hequity":200000,"nifa":36000,"net_nifa":33000,"tfa":72000,"net_tfa":69000,"tfa_he":269000,"tw":277000,"age":51,"inc":107640,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":44250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6430,"a401":20000,"hval":65000,"hmort":41000,"hequity":24000,"nifa":1650,"net_nifa":1650,"tfa":28080,"net_tfa":28080,"tfa_he":52080,"tw":69680,"age":61,"inc":48900,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":8080,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1500,"hval":75000,"hmort":0,"hequity":75000,"nifa":12275,"net_nifa":8775,"tfa":13775,"net_tfa":10275,"tfa_he":85275,"tw":85275,"age":33,"inc":61029,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":8775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-1100,"tfa":2800,"net_tfa":1300,"tfa_he":1300,"tw":2100,"age":37,"inc":25245,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-1100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":82000,"hmort":74500,"hequity":7500,"nifa":7450,"net_nifa":4450,"tfa":7450,"net_tfa":4450,"tfa_he":11950,"tw":11950,"age":39,"inc":48054,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":13500,"hval":130000,"hmort":22000,"hequity":108000,"nifa":3949,"net_nifa":3549,"tfa":37449,"net_tfa":37049,"tfa_he":145049,"tw":157049,"age":46,"inc":44154,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":23549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":30000,"hval":19000,"hmort":2000,"hequity":17000,"nifa":340,"net_nifa":340,"tfa":30340,"net_tfa":30340,"tfa_he":47340,"tw":51190,"age":41,"inc":26316,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":340,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6650,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":156114,"net_nifa":155914,"tfa":162764,"net_tfa":162564,"tfa_he":162564,"tw":181028,"age":54,"inc":45963,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":162564,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":92000,"hequity":28000,"nifa":14499,"net_nifa":9799,"tfa":14499,"net_tfa":9799,"tfa_he":37799,"tw":37799,"age":44,"inc":42090,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":9799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":53300,"a401":18000,"hval":280000,"hmort":0,"hequity":280000,"nifa":330000,"net_nifa":330000,"tfa":401300,"net_tfa":401300,"tfa_he":681300,"tw":681300,"age":43,"inc":58236,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":383300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":16382,"net_nifa":15782,"tfa":17382,"net_tfa":16782,"tfa_he":16782,"tw":19782,"age":28,"inc":29754,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":15782,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":125000,"hmort":90000,"hequity":35000,"nifa":7500,"net_nifa":5200,"tfa":13500,"net_tfa":11200,"tfa_he":46200,"tw":55600,"age":34,"inc":86700,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":5200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":30,"net_nifa":-4470,"tfa":4330,"net_tfa":-170,"tfa_he":-170,"tw":130,"age":27,"inc":14400,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4470,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":63000,"hmort":49250,"hequity":13750,"nifa":2000,"net_nifa":-2800,"tfa":4500,"net_tfa":-300,"tfa_he":13450,"tw":19450,"age":30,"inc":39636,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9000,"a401":8000,"hval":100000,"hmort":100000,"hequity":0,"nifa":399,"net_nifa":399,"tfa":17399,"net_tfa":17399,"tfa_he":17399,"tw":22399,"age":46,"inc":39894,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":9399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1200,"hval":50000,"hmort":45000,"hequity":5000,"nifa":5499,"net_nifa":4499,"tfa":6699,"net_tfa":5699,"tfa_he":10699,"tw":14099,"age":56,"inc":20220,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":115,"net_nifa":115,"tfa":115,"net_tfa":115,"tfa_he":115,"tw":10213,"age":32,"inc":17520,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.12833,"net_n401":115,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6800,"hval":69000,"hmort":54900,"hequity":14100,"nifa":700,"net_nifa":-35900,"tfa":7500,"net_tfa":-29100,"tfa_he":-15000,"tw":-15000,"age":48,"inc":28713,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-35900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-12000,"tfa":2000,"net_tfa":-12000,"tfa_he":-12000,"tw":-12000,"age":27,"inc":29301,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":-12000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":90000,"hmort":0,"hequity":90000,"nifa":125600,"net_nifa":125385,"tfa":205600,"net_tfa":205385,"tfa_he":295385,"tw":295385,"age":54,"inc":73890,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":125385,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50000,"net_nifa":49370,"tfa":50000,"net_tfa":49370,"tfa_he":49370,"tw":125520,"age":43,"inc":33636,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":49370,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":53000,"hmort":51500,"hequity":1500,"nifa":4810,"net_nifa":2340,"tfa":14810,"net_tfa":12340,"tfa_he":13840,"tw":15340,"age":27,"inc":17628,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":2340,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":12000,"hval":50000,"hmort":0,"hequity":50000,"nifa":43500,"net_nifa":43500,"tfa":81500,"net_tfa":81500,"tfa_he":131500,"tw":131500,"age":61,"inc":51288,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":69500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":43046,"a401":45000,"hval":90000,"hmort":12900,"hequity":77100,"nifa":26377,"net_nifa":26289,"tfa":114423,"net_tfa":114335,"tfa_he":191435,"tw":191435,"age":55,"inc":40710,"fsize":2,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":69335,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":25267,"a401":2000,"hval":170000,"hmort":75000,"hequity":95000,"nifa":54885,"net_nifa":54885,"tfa":82152,"net_tfa":82152,"tfa_he":177152,"tw":177152,"age":37,"inc":83274,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":80152,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11400,"a401":45000,"hval":290000,"hmort":121000,"hequity":169000,"nifa":15203,"net_nifa":5557,"tfa":71603,"net_tfa":61957,"tfa_he":230957,"tw":681957,"age":62,"inc":110646,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":16957,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1500,"hval":125000,"hmort":0,"hequity":125000,"nifa":2100,"net_nifa":1900,"tfa":3600,"net_tfa":3400,"tfa_he":128400,"tw":128400,"age":37,"inc":40362,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":100000,"hmort":93000,"hequity":7000,"nifa":2800,"net_nifa":-3200,"tfa":4000,"net_tfa":-2000,"tfa_he":5000,"tw":5000,"age":52,"inc":100041,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":-3795,"tfa":2505,"net_tfa":-1295,"tfa_he":-1295,"tw":7705,"age":39,"inc":64092,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-3795,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":900,"hval":115000,"hmort":0,"hequity":115000,"nifa":48049,"net_nifa":48049,"tfa":49949,"net_tfa":49949,"tfa_he":164949,"tw":165949,"age":56,"inc":23319,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":49049,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8138,"a401":0,"hval":250000,"hmort":96000,"hequity":154000,"nifa":8400,"net_nifa":6400,"tfa":16538,"net_tfa":14538,"tfa_he":168538,"tw":234538,"age":48,"inc":115527,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":14538,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":17000,"net_nifa":1000,"tfa":17000,"net_tfa":1000,"tfa_he":101000,"tw":101000,"age":38,"inc":99789,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":14150,"hval":140000,"hmort":102000,"hequity":38000,"nifa":12000,"net_nifa":10500,"tfa":31150,"net_tfa":29650,"tfa_he":67650,"tw":67650,"age":33,"inc":71250,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":15500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":49000,"hmort":0,"hequity":49000,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":50000,"tw":55943,"age":41,"inc":27540,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4000,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":27500,"net_tfa":27500,"tfa_he":27500,"tw":48612,"age":36,"inc":9315,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.11738,"net_n401":6500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11500,"hval":40000,"hmort":31500,"hequity":8500,"nifa":2020,"net_nifa":-4980,"tfa":13520,"net_tfa":6520,"tfa_he":15020,"tw":15020,"age":52,"inc":38460,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-4980,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":80000,"hval":290000,"hmort":0,"hequity":290000,"nifa":65800,"net_nifa":64500,"tfa":153800,"net_tfa":152500,"tfa_he":442500,"tw":443000,"age":63,"inc":76104,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":72500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6600,"hval":40000,"hmort":37800,"hequity":2200,"nifa":6000,"net_nifa":1500,"tfa":12600,"net_tfa":8100,"tfa_he":10300,"tw":10300,"age":30,"inc":55908,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-535,"tfa":7650,"net_tfa":6465,"tfa_he":6465,"tw":11165,"age":39,"inc":21888,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-535,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":83,"hval":30000,"hmort":25500,"hequity":4500,"nifa":179,"net_nifa":-11,"tfa":262,"net_tfa":72,"tfa_he":4572,"tw":15372,"age":31,"inc":33258,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-11,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":60000,"hequity":5000,"nifa":4300,"net_nifa":-2700,"tfa":4300,"net_tfa":-2700,"tfa_he":2300,"tw":3300,"age":36,"inc":48615,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":5800,"age":44,"inc":11880,"fsize":5,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18500,"a401":1500,"hval":130000,"hmort":0,"hequity":130000,"nifa":23355,"net_nifa":22155,"tfa":43355,"net_tfa":42155,"tfa_he":172155,"tw":176655,"age":49,"inc":65583,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":40655,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10080,"net_nifa":10080,"tfa":10080,"net_tfa":10080,"tfa_he":10080,"tw":210080,"age":59,"inc":13140,"fsize":4,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":10080,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":59000,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":150,"tfa":59650,"net_tfa":59150,"tfa_he":59150,"tw":59988,"age":57,"inc":25392,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":18000,"a401":45000,"hval":130000,"hmort":28000,"hequity":102000,"nifa":63000,"net_nifa":63000,"tfa":126000,"net_tfa":126000,"tfa_he":228000,"tw":231000,"age":56,"inc":67092,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":81000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":50,"tfa":10050,"net_tfa":10050,"tfa_he":10050,"tw":10750,"age":43,"inc":32433,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":117500,"hequity":2500,"nifa":2059,"net_nifa":1972,"tfa":2059,"net_tfa":1972,"tfa_he":4472,"tw":12972,"age":26,"inc":59139,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":1972,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50,"hval":80000,"hmort":62000,"hequity":18000,"nifa":13371,"net_nifa":13371,"tfa":53421,"net_tfa":53421,"tfa_he":71421,"tw":76408,"age":36,"inc":42834,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":13371,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":110000,"hequity":35000,"nifa":999,"net_nifa":399,"tfa":999,"net_tfa":399,"tfa_he":35399,"tw":52399,"age":36,"inc":64971,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18200,"a401":58000,"hval":238000,"hmort":150000,"hequity":88000,"nifa":163000,"net_nifa":163000,"tfa":239200,"net_tfa":239200,"tfa_he":327200,"tw":640700,"age":40,"inc":75297,"fsize":5,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":181200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":450,"hval":40000,"hmort":1600,"hequity":38400,"nifa":140,"net_nifa":-6910,"tfa":590,"net_tfa":-6460,"tfa_he":31940,"tw":31940,"age":40,"inc":34425,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-6910,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":0,"hmort":0,"hequity":0,"nifa":1750,"net_nifa":1750,"tfa":21750,"net_tfa":21750,"tfa_he":21750,"tw":25100,"age":62,"inc":19206,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":1750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":10000,"hequity":100000,"nifa":420,"net_nifa":-7180,"tfa":420,"net_tfa":-7180,"tfa_he":92820,"tw":94320,"age":55,"inc":38964,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-7180,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":0,"net_nifa":-337,"tfa":0,"net_tfa":-337,"tfa_he":74663,"tw":74663,"age":51,"inc":25434,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-337,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10004,"net_nifa":10004,"tfa":10004,"net_tfa":10004,"tfa_he":10004,"tw":10004,"age":57,"inc":23400,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":10004,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":32000,"hmort":31500,"hequity":500,"nifa":2249,"net_nifa":2249,"tfa":2249,"net_tfa":2249,"tfa_he":2749,"tw":9749,"age":38,"inc":40425,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":2249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4411,"a401":1300,"hval":165000,"hmort":12000,"hequity":153000,"nifa":599,"net_nifa":99,"tfa":6310,"net_tfa":5810,"tfa_he":158810,"tw":161570,"age":51,"inc":59904,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":4510,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":30000,"hval":250000,"hmort":150000,"hequity":100000,"nifa":78000,"net_nifa":69000,"tfa":123000,"net_tfa":114000,"tfa_he":214000,"tw":214000,"age":48,"inc":103650,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":84000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11000,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":17249,"net_nifa":16749,"tfa":34249,"net_tfa":33749,"tfa_he":33749,"tw":33749,"age":29,"inc":43605,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":27749,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":750,"hval":75000,"hmort":69000,"hequity":6000,"nifa":2000,"net_nifa":2000,"tfa":2750,"net_tfa":2750,"tfa_he":8750,"tw":8750,"age":30,"inc":30120,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12200,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":13475,"net_nifa":5175,"tfa":27675,"net_tfa":19375,"tfa_he":19375,"tw":27275,"age":44,"inc":108795,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.46965,"net_n401":17375,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":-1900,"tw":-1900,"age":36,"inc":18768,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":37000,"hval":140000,"hmort":15400,"hequity":124600,"nifa":7775,"net_nifa":6975,"tfa":44775,"net_tfa":43975,"tfa_he":168575,"tw":183575,"age":43,"inc":47094,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":6975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-150,"tfa":22000,"net_tfa":21850,"tfa_he":21850,"tw":21850,"age":46,"inc":14700,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":98000,"hmort":80000,"hequity":18000,"nifa":1225,"net_nifa":475,"tfa":11225,"net_tfa":10475,"tfa_he":28475,"tw":36850,"age":30,"inc":42780,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":475,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":7000,"hval":110000,"hmort":39100,"hequity":70900,"nifa":100,"net_nifa":-10880,"tfa":25100,"net_tfa":14120,"tfa_he":85020,"tw":97020,"age":56,"inc":74385,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":7120,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":235000,"hmort":60000,"hequity":175000,"nifa":500,"net_nifa":500,"tfa":50500,"net_tfa":50500,"tfa_he":225500,"tw":225500,"age":47,"inc":78000,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":49000,"hequity":51000,"nifa":1000,"net_nifa":-250,"tfa":1000,"net_tfa":-250,"tfa_he":50750,"tw":65750,"age":43,"inc":31209,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-3900,"tfa":400,"net_tfa":-3600,"tfa_he":-3600,"tw":-3600,"age":34,"inc":16803,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-3900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":105000,"hmort":0,"hequity":105000,"nifa":5200,"net_nifa":4800,"tfa":6200,"net_tfa":5800,"tfa_he":110800,"tw":115450,"age":44,"inc":31833,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":5800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":107,"net_nifa":-9893,"tfa":107,"net_tfa":-9893,"tfa_he":-9893,"tw":-9893,"age":41,"inc":39162,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-9893,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":20000,"hval":180000,"hmort":150000,"hequity":30000,"nifa":28500,"net_nifa":28150,"tfa":54000,"net_tfa":53650,"tfa_he":83650,"tw":88775,"age":43,"inc":64659,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":33650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":257600,"hmort":80000,"hequity":177600,"nifa":298094,"net_nifa":298094,"tfa":302594,"net_tfa":302594,"tfa_he":480194,"tw":604294,"age":49,"inc":77424,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":298094,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":6000,"hval":65000,"hmort":31000,"hequity":34000,"nifa":1150,"net_nifa":-11569,"tfa":8150,"net_tfa":-4569,"tfa_he":29431,"tw":31231,"age":42,"inc":51252,"fsize":5,"educ":17,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-10569,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":56000,"hequity":4000,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":4100,"tw":4100,"age":44,"inc":30105,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2500,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":6800,"net_tfa":6800,"tfa_he":6800,"tw":12525,"age":31,"inc":90996,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.33136,"net_n401":5500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":62866,"a401":11800,"hval":175000,"hmort":140000,"hequity":35000,"nifa":39146,"net_nifa":38378,"tfa":113812,"net_tfa":113044,"tfa_he":148044,"tw":183244,"age":48,"inc":88134,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":101244,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":43,"net_nifa":43,"tfa":43,"net_tfa":43,"tfa_he":43,"tw":43,"age":46,"inc":38061,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":43,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":32000,"hmort":32000,"hequity":0,"nifa":1450,"net_nifa":1450,"tfa":5450,"net_tfa":5450,"tfa_he":5450,"tw":11450,"age":34,"inc":41130,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2243,"hval":0,"hmort":0,"hequity":0,"nifa":520,"net_nifa":5,"tfa":2763,"net_tfa":2248,"tfa_he":2248,"tw":2248,"age":38,"inc":45729,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":5,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":38000,"hmort":37000,"hequity":1000,"nifa":825,"net_nifa":625,"tfa":3325,"net_tfa":3125,"tfa_he":4125,"tw":24571,"age":44,"inc":22830,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":625,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2213,"a401":15048,"hval":60000,"hmort":600,"hequity":59400,"nifa":2691,"net_nifa":2691,"tfa":19952,"net_tfa":19952,"tfa_he":79352,"tw":79352,"age":60,"inc":35202,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":4904,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":8500,"a401":0,"hval":90000,"hmort":29000,"hequity":61000,"nifa":549,"net_nifa":-1901,"tfa":9049,"net_tfa":6599,"tfa_he":67599,"tw":67599,"age":53,"inc":51018,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":6599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13300,"hval":6000,"hmort":0,"hequity":6000,"nifa":1000,"net_nifa":-100,"tfa":14300,"net_tfa":13200,"tfa_he":19200,"tw":23666,"age":27,"inc":15600,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":32500,"hval":115000,"hmort":45000,"hequity":70000,"nifa":16009,"net_nifa":15009,"tfa":48509,"net_tfa":47509,"tfa_he":117509,"tw":124009,"age":43,"inc":50250,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":15009,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":48000,"hmort":25000,"hequity":23000,"nifa":6200,"net_nifa":5055,"tfa":12200,"net_tfa":11055,"tfa_he":34055,"tw":36080,"age":48,"inc":21420,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":5055,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7699,"net_nifa":6899,"tfa":7699,"net_tfa":6899,"tfa_he":6899,"tw":7399,"age":56,"inc":34350,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":6899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":50000,"a401":3500,"hval":0,"hmort":0,"hequity":0,"nifa":205698,"net_nifa":205698,"tfa":259198,"net_tfa":259198,"tfa_he":259198,"tw":283773,"age":39,"inc":100287,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.49355,"net_n401":255698,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16500,"a401":0,"hval":150000,"hmort":50000,"hequity":100000,"nifa":570,"net_nifa":-3130,"tfa":17070,"net_tfa":13370,"tfa_he":113370,"tw":127970,"age":30,"inc":55242,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":13370,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":85000,"hmort":3000,"hequity":82000,"nifa":499,"net_nifa":-9501,"tfa":699,"net_tfa":-9301,"tfa_he":72699,"tw":82699,"age":39,"inc":38511,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-9501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":52000,"hval":300000,"hmort":74400,"hequity":225600,"nifa":13480,"net_nifa":13480,"tfa":65480,"net_tfa":65480,"tfa_he":291080,"tw":291080,"age":42,"inc":75948,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":13480,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":280,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":5500,"tfa":5780,"net_tfa":5780,"tfa_he":5780,"tw":5780,"age":36,"inc":44130,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":5500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":110000,"hmort":96000,"hequity":14000,"nifa":100,"net_nifa":-7900,"tfa":6100,"net_tfa":-1900,"tfa_he":12100,"tw":14612,"age":39,"inc":31950,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-7900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":185000,"hmort":150000,"hequity":35000,"nifa":4650,"net_nifa":-3850,"tfa":6150,"net_tfa":-2350,"tfa_he":32650,"tw":35775,"age":30,"inc":46416,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-3850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":65000,"hmort":60600,"hequity":4400,"nifa":4500,"net_nifa":4000,"tfa":5000,"net_tfa":4500,"tfa_he":8900,"tw":8900,"age":32,"inc":36408,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":65000,"hval":70000,"hmort":0,"hequity":70000,"nifa":110800,"net_nifa":110800,"tfa":191800,"net_tfa":191800,"tfa_he":261800,"tw":272000,"age":46,"inc":51840,"fsize":2,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":126800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":100000,"hmort":76000,"hequity":24000,"nifa":9200,"net_nifa":7200,"tfa":89200,"net_tfa":87200,"tfa_he":111200,"tw":111200,"age":33,"inc":54954,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":7200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":62500,"hequity":1500,"nifa":5521,"net_nifa":5521,"tfa":5521,"net_tfa":5521,"tfa_he":7021,"tw":8521,"age":45,"inc":51645,"fsize":2,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":5521,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2400,"hval":120000,"hmort":71000,"hequity":49000,"nifa":11000,"net_nifa":10500,"tfa":13400,"net_tfa":12900,"tfa_he":61900,"tw":77300,"age":46,"inc":88980,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":25000,"hequity":17000,"nifa":2875,"net_nifa":2075,"tfa":2875,"net_tfa":2075,"tfa_he":19075,"tw":48000,"age":38,"inc":27684,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":2075,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":71763,"a401":47000,"hval":100000,"hmort":61000,"hequity":39000,"nifa":68508,"net_nifa":68508,"tfa":187271,"net_tfa":187271,"tfa_he":226271,"tw":256547,"age":60,"inc":94758,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":140271,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1500,"hval":210000,"hmort":110000,"hequity":100000,"nifa":40000,"net_nifa":38800,"tfa":41500,"net_tfa":40300,"tfa_he":140300,"tw":147300,"age":38,"inc":49284,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":38800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":231,"a401":285,"hval":0,"hmort":0,"hequity":0,"nifa":365,"net_nifa":365,"tfa":881,"net_tfa":881,"tfa_he":881,"tw":2547,"age":26,"inc":29655,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":596,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2300,"a401":15300,"hval":180000,"hmort":122000,"hequity":58000,"nifa":2100,"net_nifa":-7900,"tfa":19700,"net_tfa":9700,"tfa_he":67700,"tw":77700,"age":39,"inc":46029,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":-5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":46956,"a401":5593,"hval":126500,"hmort":88000,"hequity":38500,"nifa":88337,"net_nifa":87848,"tfa":140886,"net_tfa":140397,"tfa_he":178897,"tw":218783,"age":48,"inc":85158,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":134804,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":59000,"hval":21000,"hmort":21000,"hequity":0,"nifa":14570,"net_nifa":13970,"tfa":73570,"net_tfa":72970,"tfa_he":72970,"tw":79070,"age":63,"inc":37374,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":13970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":21000,"hval":141000,"hmort":69000,"hequity":72000,"nifa":1600,"net_nifa":-4400,"tfa":22600,"net_tfa":16600,"tfa_he":88600,"tw":106600,"age":29,"inc":51051,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-3100,"tfa":3500,"net_tfa":-100,"tfa_he":-100,"tw":8450,"age":30,"inc":21588,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-3100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":28000,"a401":0,"hval":152000,"hmort":17500,"hequity":134500,"nifa":374136,"net_nifa":373936,"tfa":402136,"net_tfa":401936,"tfa_he":536436,"tw":636436,"age":54,"inc":69318,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":401936,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":25,"inc":28050,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":7499,"net_nifa":4449,"tfa":7499,"net_tfa":4449,"tfa_he":104449,"tw":114949,"age":58,"inc":42642,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":4449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1900,"hval":65000,"hmort":49000,"hequity":16000,"nifa":7600,"net_nifa":7488,"tfa":9500,"net_tfa":9388,"tfa_he":25388,"tw":30388,"age":26,"inc":39582,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":7488,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20200,"a401":0,"hval":150000,"hmort":41000,"hequity":109000,"nifa":6498,"net_nifa":1798,"tfa":26698,"net_tfa":21998,"tfa_he":130998,"tw":144998,"age":43,"inc":72030,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":21998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":1500,"hmort":0,"hequity":1500,"nifa":6750,"net_nifa":6750,"tfa":12750,"net_tfa":12750,"tfa_he":14250,"tw":16750,"age":37,"inc":9960,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.1432,"net_n401":12750,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":50000,"hval":85000,"hmort":0,"hequity":85000,"nifa":10000,"net_nifa":7900,"tfa":85000,"net_tfa":82900,"tfa_he":167900,"tw":237900,"age":64,"inc":25704,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":32900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13728,"a401":80000,"hval":100000,"hmort":60000,"hequity":40000,"nifa":36510,"net_nifa":36510,"tfa":130238,"net_tfa":130238,"tfa_he":170238,"tw":174638,"age":43,"inc":101856,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":50238,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3900,"hval":40000,"hmort":15000,"hequity":25000,"nifa":510,"net_nifa":-490,"tfa":4410,"net_tfa":3410,"tfa_he":28410,"tw":40710,"age":37,"inc":24486,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-490,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":90000,"hmort":0,"hequity":90000,"nifa":6000,"net_nifa":-27000,"tfa":13000,"net_tfa":-20000,"tfa_he":70000,"tw":71050,"age":59,"inc":53172,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":-27000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":18000,"hval":200000,"hmort":0,"hequity":200000,"nifa":487,"net_nifa":487,"tfa":18487,"net_tfa":18487,"tfa_he":218487,"tw":224987,"age":28,"inc":57441,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":487,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":24000,"a401":0,"hval":90000,"hmort":72500,"hequity":17500,"nifa":72200,"net_nifa":72200,"tfa":96200,"net_tfa":96200,"tfa_he":113700,"tw":181400,"age":39,"inc":62763,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":96200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":3000,"hval":100000,"hmort":70000,"hequity":30000,"nifa":4000,"net_nifa":3500,"tfa":15000,"net_tfa":14500,"tfa_he":44500,"tw":64428,"age":39,"inc":21576,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":11500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":8799,"net_nifa":4799,"tfa":8799,"net_tfa":4799,"tfa_he":49799,"tw":49799,"age":62,"inc":30558,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":4799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2000,"hval":95000,"hmort":71000,"hequity":24000,"nifa":10810,"net_nifa":10510,"tfa":12810,"net_tfa":12510,"tfa_he":36510,"tw":52510,"age":38,"inc":31800,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":10510,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18983,"a401":20000,"hval":150000,"hmort":26500,"hequity":123500,"nifa":500,"net_nifa":-2000,"tfa":39483,"net_tfa":36983,"tfa_he":160483,"tw":160483,"age":54,"inc":73311,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":16983,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":0,"hval":80000,"hmort":23000,"hequity":57000,"nifa":5200,"net_nifa":3900,"tfa":6200,"net_tfa":4900,"tfa_he":61900,"tw":61900,"age":50,"inc":38595,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":4900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1200,"hval":145000,"hmort":0,"hequity":145000,"nifa":302,"net_nifa":202,"tfa":1502,"net_tfa":1402,"tfa_he":146402,"tw":146527,"age":59,"inc":22455,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":202,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":300000,"hmort":30500,"hequity":269500,"nifa":318,"net_nifa":-3682,"tfa":318,"net_tfa":-3682,"tfa_he":265818,"tw":267318,"age":40,"inc":45546,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-3682,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":57000,"a401":3276,"hval":165000,"hmort":32000,"hequity":133000,"nifa":130600,"net_nifa":129750,"tfa":190876,"net_tfa":190026,"tfa_he":323026,"tw":393026,"age":41,"inc":88992,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":186750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":120000,"hmort":53000,"hequity":67000,"nifa":4525,"net_nifa":3025,"tfa":5525,"net_tfa":4025,"tfa_he":71025,"tw":71025,"age":41,"inc":41550,"fsize":5,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":3025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":10000,"hval":35000,"hmort":0,"hequity":35000,"nifa":12025,"net_nifa":12025,"tfa":52025,"net_tfa":52025,"tfa_he":87025,"tw":97025,"age":41,"inc":43992,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":42025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10700,"a401":6000,"hval":200000,"hmort":0,"hequity":200000,"nifa":1999,"net_nifa":1999,"tfa":18699,"net_tfa":18699,"tfa_he":218699,"tw":218699,"age":55,"inc":34770,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":12699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":47900,"hmort":29000,"hequity":18900,"nifa":380,"net_nifa":-50,"tfa":380,"net_tfa":-50,"tfa_he":18850,"tw":19850,"age":52,"inc":14805,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-50,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":70000,"hequity":60000,"nifa":14149,"net_nifa":-1851,"tfa":14149,"net_tfa":-1851,"tfa_he":58149,"tw":61774,"age":45,"inc":135024,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":-1851,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":32000,"hval":180000,"hmort":136000,"hequity":44000,"nifa":30249,"net_nifa":26249,"tfa":62249,"net_tfa":58249,"tfa_he":102249,"tw":113249,"age":27,"inc":45963,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":26249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":58000,"hmort":52000,"hequity":6000,"nifa":890,"net_nifa":-15610,"tfa":8890,"net_tfa":-7610,"tfa_he":-1610,"tw":14890,"age":29,"inc":43521,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-15610,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":32000,"hval":200000,"hmort":110000,"hequity":90000,"nifa":17800,"net_nifa":17800,"tfa":61800,"net_tfa":61800,"tfa_he":151800,"tw":421800,"age":40,"inc":102762,"fsize":2,"educ":6,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.7316,"net_n401":29800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":80000,"hmort":76900,"hequity":3100,"nifa":2700,"net_nifa":2700,"tfa":3200,"net_tfa":3200,"tfa_he":6300,"tw":8625,"age":33,"inc":30000,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":85000,"hmort":58000,"hequity":27000,"nifa":1000,"net_nifa":-5000,"tfa":5000,"net_tfa":-1000,"tfa_he":26000,"tw":30000,"age":34,"inc":18966,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":-1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-8500,"tfa":3400,"net_tfa":-7600,"tfa_he":-7600,"tw":-7600,"age":28,"inc":28764,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-8500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":32000,"hequity":38000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":38500,"tw":41850,"age":56,"inc":11490,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3600,"hval":160000,"hmort":149310,"hequity":10690,"nifa":2099,"net_nifa":-2401,"tfa":5699,"net_tfa":1199,"tfa_he":11889,"tw":11889,"age":28,"inc":54993,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2401,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":200,"a401":10000,"hval":100000,"hmort":30000,"hequity":70000,"nifa":3700,"net_nifa":1700,"tfa":13900,"net_tfa":11900,"tfa_he":81900,"tw":93204,"age":42,"inc":26718,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":6864,"net_nifa":4814,"tfa":10864,"net_tfa":8814,"tfa_he":8814,"tw":15339,"age":25,"inc":36531,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":4814,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":10414,"net_nifa":9214,"tfa":10814,"net_tfa":9614,"tfa_he":9614,"tw":59614,"age":43,"inc":45384,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":9214,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":6875,"hval":56000,"hmort":0,"hequity":56000,"nifa":30000,"net_nifa":29600,"tfa":52875,"net_tfa":52475,"tfa_he":108475,"tw":108475,"age":51,"inc":31650,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":45600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":7000,"net_tfa":7000,"tfa_he":7000,"tw":7000,"age":52,"inc":29100,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":3000,"tfa":6000,"net_tfa":6000,"tfa_he":6000,"tw":6000,"age":37,"inc":18030,"fsize":1,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.3792,"net_n401":3000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":963,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1000,"tfa":2003,"net_tfa":3,"tfa_he":3,"tw":6028,"age":28,"inc":21765,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":36,"inc":12240,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":43865,"hmort":43865,"hequity":0,"nifa":9296,"net_nifa":4996,"tfa":9996,"net_tfa":5696,"tfa_he":5696,"tw":11071,"age":33,"inc":36963,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":4996,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":40000,"hmort":7000,"hequity":33000,"nifa":700,"net_nifa":-5300,"tfa":5700,"net_tfa":-300,"tfa_he":32700,"tw":32700,"age":56,"inc":30294,"fsize":6,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.38664,"net_n401":-5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":45000,"hmort":25000,"hequity":20000,"nifa":1500,"net_nifa":1500,"tfa":11500,"net_tfa":11500,"tfa_he":31500,"tw":32500,"age":31,"inc":20460,"fsize":2,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":68,"hval":16000,"hmort":0,"hequity":16000,"nifa":300,"net_nifa":-6200,"tfa":368,"net_tfa":-6132,"tfa_he":9868,"tw":13868,"age":50,"inc":21792,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-6200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-2650,"tfa":350,"net_tfa":-2650,"tfa_he":-2650,"tw":-2650,"age":28,"inc":20529,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-2650,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":26472,"net_nifa":17472,"tfa":28472,"net_tfa":19472,"tfa_he":19472,"tw":24800,"age":35,"inc":30147,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":19472,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":52000,"hval":90000,"hmort":64900,"hequity":25100,"nifa":3515,"net_nifa":15,"tfa":55515,"net_tfa":52015,"tfa_he":77115,"tw":81315,"age":39,"inc":27954,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":15,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":20000,"hmort":20000,"hequity":0,"nifa":450,"net_nifa":-50,"tfa":450,"net_tfa":-50,"tfa_he":-50,"tw":-50,"age":41,"inc":41415,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":28000,"hval":75500,"hmort":75500,"hequity":0,"nifa":550,"net_nifa":-8450,"tfa":28550,"net_tfa":19550,"tfa_he":19550,"tw":19550,"age":42,"inc":91383,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-8450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15500,"hmort":5800,"hequity":9700,"nifa":610,"net_nifa":-3364,"tfa":610,"net_tfa":-3364,"tfa_he":6336,"tw":8186,"age":48,"inc":22950,"fsize":3,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":-3364,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":12200,"hval":115000,"hmort":95000,"hequity":20000,"nifa":8000,"net_nifa":6000,"tfa":34200,"net_tfa":32200,"tfa_he":52200,"tw":69200,"age":30,"inc":85386,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":65000,"hval":40000,"hmort":0,"hequity":40000,"nifa":7500,"net_nifa":6800,"tfa":74000,"net_tfa":73300,"tfa_he":113300,"tw":120800,"age":47,"inc":55107,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":8300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4304,"hval":48000,"hmort":40000,"hequity":8000,"nifa":1798,"net_nifa":1248,"tfa":6102,"net_tfa":5552,"tfa_he":13552,"tw":19752,"age":45,"inc":41100,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":1500,"hval":75000,"hmort":30000,"hequity":45000,"nifa":4999,"net_nifa":4999,"tfa":24499,"net_tfa":24499,"tfa_he":69499,"tw":74299,"age":37,"inc":29400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":22999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":1000,"age":28,"inc":15888,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":109000,"hmort":49800,"hequity":59200,"nifa":20,"net_nifa":-1980,"tfa":5020,"net_tfa":3020,"tfa_he":62220,"tw":62220,"age":43,"inc":24630,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1980,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":125000,"hmort":70000,"hequity":55000,"nifa":47500,"net_nifa":46300,"tfa":53500,"net_tfa":52300,"tfa_he":107300,"tw":113300,"age":36,"inc":68772,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":46300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":32000,"hmort":19000,"hequity":13000,"nifa":6720,"net_nifa":6570,"tfa":20720,"net_tfa":20570,"tfa_he":33570,"tw":34070,"age":43,"inc":13065,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":6570,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":37000,"hequity":19000,"nifa":1625,"net_nifa":-1375,"tfa":1625,"net_tfa":-1375,"tfa_he":17625,"tw":20975,"age":39,"inc":21558,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-1375,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2900,"a401":1750,"hval":150000,"hmort":125000,"hequity":25000,"nifa":2900,"net_nifa":-5200,"tfa":7550,"net_tfa":-550,"tfa_he":24450,"tw":56200,"age":48,"inc":89376,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":60,"hval":50000,"hmort":47000,"hequity":3000,"nifa":0,"net_nifa":0,"tfa":60,"net_tfa":60,"tfa_he":3060,"tw":6260,"age":38,"inc":37200,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6050,"a401":15530,"hval":75000,"hmort":61000,"hequity":14000,"nifa":500,"net_nifa":-4500,"tfa":22080,"net_tfa":17080,"tfa_he":31080,"tw":41080,"age":32,"inc":77430,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16860,"a401":0,"hval":125000,"hmort":65000,"hequity":60000,"nifa":10017,"net_nifa":10017,"tfa":26877,"net_tfa":26877,"tfa_he":86877,"tw":86877,"age":49,"inc":56877,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":26877,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":500,"net_nifa":50,"tfa":500,"net_tfa":50,"tfa_he":60050,"tw":60050,"age":59,"inc":30000,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":600,"hval":240000,"hmort":138000,"hequity":102000,"nifa":7500,"net_nifa":6900,"tfa":24100,"net_tfa":23500,"tfa_he":125500,"tw":125500,"age":41,"inc":91902,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":17900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":12000,"hval":220000,"hmort":138000,"hequity":82000,"nifa":4250,"net_nifa":2250,"tfa":46250,"net_tfa":44250,"tfa_he":126250,"tw":126250,"age":44,"inc":90747,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":32250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":42500,"hequity":27500,"nifa":28000,"net_nifa":28000,"tfa":28000,"net_tfa":28000,"tfa_he":55500,"tw":71500,"age":36,"inc":67800,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":28000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":2100,"tfa":2100,"net_tfa":2100,"tfa_he":2100,"tw":3092,"age":26,"inc":16203,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":2100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":65000,"hmort":0,"hequity":65000,"nifa":2350,"net_nifa":2150,"tfa":42350,"net_tfa":42150,"tfa_he":107150,"tw":109750,"age":61,"inc":16092,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":2150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1600,"hval":130000,"hmort":110000,"hequity":20000,"nifa":3700,"net_nifa":1000,"tfa":5300,"net_tfa":2600,"tfa_he":22600,"tw":32600,"age":36,"inc":72900,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":51000,"hval":150000,"hmort":0,"hequity":150000,"nifa":999,"net_nifa":999,"tfa":61999,"net_tfa":61999,"tfa_he":211999,"tw":216474,"age":56,"inc":33696,"fsize":5,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":10999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":35000,"hval":198000,"hmort":130000,"hequity":68000,"nifa":2300,"net_nifa":1300,"tfa":37300,"net_tfa":36300,"tfa_he":104300,"tw":104300,"age":34,"inc":59232,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":90000,"hmort":0,"hequity":90000,"nifa":26199,"net_nifa":26199,"tfa":36199,"net_tfa":36199,"tfa_he":126199,"tw":126199,"age":45,"inc":67320,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":26199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":70000,"hval":140000,"hmort":10700,"hequity":129300,"nifa":7300,"net_nifa":-32350,"tfa":77300,"net_tfa":37650,"tfa_he":166950,"tw":170950,"age":50,"inc":52836,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-32350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":45300,"a401":24000,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-12950,"tfa":69950,"net_tfa":56350,"tfa_he":56350,"tw":56975,"age":40,"inc":35298,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.67399,"net_n401":32350,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":5000,"hval":85000,"hmort":80000,"hequity":5000,"nifa":5000,"net_nifa":-7000,"tfa":18000,"net_tfa":6000,"tfa_he":11000,"tw":86000,"age":38,"inc":44604,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":12000,"hval":14000,"hmort":14000,"hequity":0,"nifa":6499,"net_nifa":5699,"tfa":38499,"net_tfa":37699,"tfa_he":37699,"tw":37699,"age":50,"inc":69870,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":25699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":46067,"a401":8000,"hval":150000,"hmort":0,"hequity":150000,"nifa":20839,"net_nifa":13539,"tfa":74906,"net_tfa":67606,"tfa_he":217606,"tw":219606,"age":58,"inc":95340,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":59606,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":130000,"hmort":45000,"hequity":85000,"nifa":1499,"net_nifa":1499,"tfa":1499,"net_tfa":1499,"tfa_he":86499,"tw":119499,"age":44,"inc":32910,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":30000,"hval":175000,"hmort":140000,"hequity":35000,"nifa":68362,"net_nifa":68221,"tfa":108362,"net_tfa":108221,"tfa_he":143221,"tw":143221,"age":42,"inc":9408,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.20883,"net_n401":78221,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":90000,"hequity":15000,"nifa":1698,"net_nifa":-802,"tfa":1698,"net_tfa":-802,"tfa_he":14198,"tw":16579,"age":41,"inc":35772,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-802,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":13300,"net_tfa":13300,"tfa_he":13300,"tw":14200,"age":34,"inc":19254,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":120,"net_nifa":-4050,"tfa":3120,"net_tfa":-1050,"tfa_he":-1050,"tw":3000,"age":31,"inc":31434,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-4050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":68000,"hequity":37000,"nifa":2160,"net_nifa":-8440,"tfa":2160,"net_tfa":-8440,"tfa_he":28560,"tw":29060,"age":31,"inc":20853,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-8440,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":14000,"hmort":0,"hequity":14000,"nifa":24528,"net_nifa":6478,"tfa":24528,"net_tfa":6478,"tfa_he":20478,"tw":41478,"age":57,"inc":32913,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6478,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6480,"hval":116000,"hmort":50000,"hequity":66000,"nifa":300,"net_nifa":-500,"tfa":6780,"net_tfa":5980,"tfa_he":71980,"tw":74480,"age":27,"inc":31893,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":350,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":999,"tfa":1349,"net_tfa":1349,"tfa_he":1349,"tw":8402,"age":26,"inc":30060,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-600,"tfa":1400,"net_tfa":-600,"tfa_he":-600,"tw":15700,"age":53,"inc":61407,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":377,"net_nifa":-4623,"tfa":7377,"net_tfa":2377,"tfa_he":2377,"tw":2377,"age":49,"inc":12864,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-4623,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":12400,"net_nifa":10200,"tfa":14600,"net_tfa":12400,"tfa_he":12400,"tw":15233,"age":40,"inc":55035,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.63866,"net_n401":12200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":150000,"hmort":137000,"hequity":13000,"nifa":3150,"net_nifa":-5550,"tfa":83150,"net_tfa":74450,"tfa_he":87450,"tw":90800,"age":37,"inc":32343,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-5550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2300,"a401":1000,"hval":95000,"hmort":58000,"hequity":37000,"nifa":17600,"net_nifa":10700,"tfa":20900,"net_tfa":14000,"tfa_he":51000,"tw":51249,"age":36,"inc":104661,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":5623,"net_nifa":4423,"tfa":11623,"net_tfa":10423,"tfa_he":10423,"tw":10923,"age":45,"inc":39060,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":4423,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5690,"hval":140000,"hmort":112000,"hequity":28000,"nifa":7600,"net_nifa":7400,"tfa":13290,"net_tfa":13090,"tfa_he":41090,"tw":50090,"age":35,"inc":48900,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":7400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-27180,"tfa":1000,"net_tfa":-26180,"tfa_he":-26180,"tw":-26180,"age":33,"inc":3780,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.04868,"net_n401":-27180,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":145000,"hmort":90000,"hequity":55000,"nifa":17400,"net_nifa":14400,"tfa":97400,"net_tfa":94400,"tfa_he":149400,"tw":159400,"age":55,"inc":51000,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":14400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":81000,"tw":81000,"age":60,"inc":32640,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":171,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-2751,"tfa":420,"net_tfa":-2580,"tfa_he":-2580,"tw":270,"age":28,"inc":10455,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2751,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2300,"net_tfa":2300,"tfa_he":2300,"tw":9898,"age":45,"inc":13770,"fsize":8,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":20000,"hval":145000,"hmort":65000,"hequity":80000,"nifa":18500,"net_nifa":17000,"tfa":52500,"net_tfa":51000,"tfa_he":131000,"tw":131000,"age":46,"inc":80700,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":31000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":38000,"hmort":31000,"hequity":7000,"nifa":400,"net_nifa":-3120,"tfa":400,"net_tfa":-3120,"tfa_he":3880,"tw":11380,"age":31,"inc":43950,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3120,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":72000,"hval":125000,"hmort":20000,"hequity":105000,"nifa":35639,"net_nifa":35639,"tfa":123639,"net_tfa":123639,"tfa_he":228639,"tw":237100,"age":43,"inc":29466,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":51639,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":253,"hval":50000,"hmort":0,"hequity":50000,"nifa":1700,"net_nifa":1700,"tfa":1953,"net_tfa":1953,"tfa_he":51953,"tw":51953,"age":45,"inc":28539,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":15000,"hequity":12000,"nifa":1050,"net_nifa":-2950,"tfa":1050,"net_tfa":-2950,"tfa_he":9050,"tw":12550,"age":39,"inc":37815,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":-2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5200,"a401":10107,"hval":75000,"hmort":59000,"hequity":16000,"nifa":25000,"net_nifa":23000,"tfa":40307,"net_tfa":38307,"tfa_he":54307,"tw":68307,"age":39,"inc":44460,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":28200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":0,"hequity":50000,"nifa":2999,"net_nifa":2699,"tfa":2999,"net_tfa":2699,"tfa_he":52699,"tw":52699,"age":41,"inc":37917,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":2699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":28000,"hval":140000,"hmort":120000,"hequity":20000,"nifa":21500,"net_nifa":21500,"tfa":49500,"net_tfa":49500,"tfa_he":69500,"tw":193500,"age":33,"inc":72678,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":21500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":0,"net_nifa":-14000,"tfa":0,"net_tfa":-14000,"tfa_he":66000,"tw":67000,"age":54,"inc":25500,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1000,"a401":67400,"hval":290000,"hmort":85000,"hequity":205000,"nifa":13619,"net_nifa":9619,"tfa":82019,"net_tfa":78019,"tfa_he":283019,"tw":283019,"age":43,"inc":77496,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":10619,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":0,"hval":70000,"hmort":0,"hequity":70000,"nifa":7300,"net_nifa":6400,"tfa":27300,"net_tfa":26400,"tfa_he":96400,"tw":97399,"age":51,"inc":61233,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":26400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5317,"a401":442,"hval":63000,"hmort":45600,"hequity":17400,"nifa":38248,"net_nifa":38248,"tfa":44007,"net_tfa":44007,"tfa_he":61407,"tw":70257,"age":45,"inc":66300,"fsize":4,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":43565,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8200,"a401":13000,"hval":100000,"hmort":34000,"hequity":66000,"nifa":5350,"net_nifa":4600,"tfa":26550,"net_tfa":25800,"tfa_he":91800,"tw":99724,"age":46,"inc":41781,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":12800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":6100,"age":27,"inc":14895,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":1400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":542,"net_nifa":-9358,"tfa":542,"net_tfa":-9358,"tfa_he":642,"tw":4392,"age":52,"inc":32073,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-9358,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26048,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":174255,"net_nifa":172255,"tfa":280303,"net_tfa":278303,"tfa_he":428303,"tw":428303,"age":40,"inc":104502,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":198303,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":8000,"hval":85000,"hmort":0,"hequity":85000,"nifa":6000,"net_nifa":6000,"tfa":74000,"net_tfa":74000,"tfa_he":159000,"tw":168000,"age":46,"inc":65880,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":66000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":225,"net_nifa":-1075,"tfa":425,"net_tfa":-875,"tfa_he":-875,"tw":2975,"age":32,"inc":31230,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-1075,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":62000,"hmort":44000,"hequity":18000,"nifa":2200,"net_nifa":-1800,"tfa":4200,"net_tfa":200,"tfa_he":18200,"tw":29200,"age":35,"inc":38940,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":46000,"hmort":0,"hequity":46000,"nifa":0,"net_nifa":-12000,"tfa":0,"net_tfa":-12000,"tfa_he":34000,"tw":34000,"age":37,"inc":49200,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10605,"hval":82000,"hmort":82000,"hequity":0,"nifa":200,"net_nifa":-1300,"tfa":10805,"net_tfa":9305,"tfa_he":9305,"tw":10505,"age":39,"inc":37944,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10500,"hval":52000,"hmort":34000,"hequity":18000,"nifa":2000,"net_nifa":-2500,"tfa":12500,"net_tfa":8000,"tfa_he":26000,"tw":26200,"age":34,"inc":28956,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4786,"hval":65000,"hmort":32000,"hequity":33000,"nifa":1699,"net_nifa":1519,"tfa":6485,"net_tfa":6305,"tfa_he":39305,"tw":39305,"age":36,"inc":43593,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1519,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":239000,"hmort":130000,"hequity":109000,"nifa":12800,"net_nifa":8800,"tfa":22800,"net_tfa":18800,"tfa_he":127800,"tw":160833,"age":50,"inc":72090,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":8800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":1800,"hval":72000,"hmort":50000,"hequity":22000,"nifa":21960,"net_nifa":21960,"tfa":28760,"net_tfa":28760,"tfa_he":50760,"tw":58360,"age":32,"inc":26958,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":26960,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":69950,"hmort":59000,"hequity":10950,"nifa":15648,"net_nifa":9648,"tfa":29648,"net_tfa":23648,"tfa_he":34598,"tw":49598,"age":35,"inc":40092,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":9648,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2300,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3150,"net_nifa":3150,"tfa":5450,"net_tfa":5450,"tfa_he":5450,"tw":7950,"age":45,"inc":45309,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.64307,"net_n401":5450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":80000,"hmort":47000,"hequity":33000,"nifa":4099,"net_nifa":4099,"tfa":8099,"net_tfa":8099,"tfa_he":41099,"tw":41099,"age":30,"inc":20460,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4099,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":12000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":46700,"net_nifa":46700,"tfa":81700,"net_tfa":81700,"tfa_he":231700,"tw":231700,"age":29,"inc":86505,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":69700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":2400,"hval":225000,"hmort":0,"hequity":225000,"nifa":7,"net_nifa":7,"tfa":27407,"net_tfa":27407,"tfa_he":252407,"tw":259370,"age":54,"inc":39888,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":25007,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5500,"hval":0,"hmort":0,"hequity":0,"nifa":4801,"net_nifa":3101,"tfa":10301,"net_tfa":8601,"tfa_he":8601,"tw":9276,"age":34,"inc":25965,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":3101,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":105000,"hequity":15000,"nifa":300,"net_nifa":-1000,"tfa":300,"net_tfa":-1000,"tfa_he":14000,"tw":14000,"age":38,"inc":28320,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":30000,"hmort":0,"hequity":30000,"nifa":1860,"net_nifa":-4140,"tfa":11860,"net_tfa":5860,"tfa_he":35860,"tw":35860,"age":62,"inc":58680,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-4140,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":183,"hval":88000,"hmort":77000,"hequity":11000,"nifa":16600,"net_nifa":16600,"tfa":16783,"net_tfa":16783,"tfa_he":27783,"tw":28383,"age":28,"inc":56217,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":16600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":75200,"hmort":66000,"hequity":9200,"nifa":1750,"net_nifa":350,"tfa":5750,"net_tfa":4350,"tfa_he":13550,"tw":17800,"age":30,"inc":27753,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":98000,"hmort":78500,"hequity":19500,"nifa":5950,"net_nifa":-6050,"tfa":15950,"net_tfa":3950,"tfa_he":23450,"tw":26850,"age":29,"inc":77133,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-6050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":39500,"hequity":25500,"nifa":1066,"net_nifa":-5184,"tfa":1066,"net_tfa":-5184,"tfa_he":20316,"tw":20316,"age":32,"inc":24315,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-5184,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30965,"a401":20700,"hval":265000,"hmort":50000,"hequity":215000,"nifa":92800,"net_nifa":92700,"tfa":165165,"net_tfa":165065,"tfa_he":380065,"tw":679144,"age":50,"inc":125766,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":123665,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":180,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-15900,"tfa":1180,"net_tfa":-15720,"tfa_he":-15720,"tw":-11759,"age":27,"inc":30000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-15900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":50000,"hmort":24000,"hequity":26000,"nifa":400,"net_nifa":400,"tfa":1400,"net_tfa":1400,"tfa_he":27400,"tw":27400,"age":37,"inc":6765,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.06231,"net_n401":400,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":259,"net_nifa":-741,"tfa":259,"net_tfa":-741,"tfa_he":-741,"tw":-741,"age":28,"inc":39015,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":-741,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":2000,"hequity":3000,"nifa":450,"net_nifa":-550,"tfa":450,"net_tfa":-550,"tfa_he":2450,"tw":7957,"age":38,"inc":24870,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-550,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":350,"net_nifa":350,"tfa":350,"net_tfa":350,"tfa_he":150350,"tw":155025,"age":46,"inc":17112,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":350,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":16500,"hequity":68500,"nifa":1499,"net_nifa":-17501,"tfa":1499,"net_tfa":-17501,"tfa_he":50999,"tw":50999,"age":46,"inc":34770,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-17501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":3000,"hval":85000,"hmort":0,"hequity":85000,"nifa":4100,"net_nifa":2300,"tfa":20100,"net_tfa":18300,"tfa_he":103300,"tw":103300,"age":60,"inc":38337,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":15300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":0,"hval":165000,"hmort":120000,"hequity":45000,"nifa":72000,"net_nifa":67000,"tfa":83000,"net_tfa":78000,"tfa_he":123000,"tw":194100,"age":39,"inc":57192,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":78000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":9000,"hval":170000,"hmort":84500,"hequity":85500,"nifa":4538,"net_nifa":-2462,"tfa":29538,"net_tfa":22538,"tfa_he":108038,"tw":117638,"age":48,"inc":63438,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":13538,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":5800,"net_nifa":5300,"tfa":5800,"net_tfa":5300,"tfa_he":65300,"tw":75200,"age":58,"inc":38979,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":5300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":14427,"hval":0,"hmort":0,"hequity":0,"nifa":1396,"net_nifa":-624,"tfa":15823,"net_tfa":13803,"tfa_he":13803,"tw":15928,"age":44,"inc":33471,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":-624,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":125000,"hmort":0,"hequity":125000,"nifa":432,"net_nifa":-388,"tfa":12432,"net_tfa":11612,"tfa_he":136612,"tw":136612,"age":34,"inc":38190,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-388,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":88000,"hmort":40000,"hequity":48000,"nifa":1690,"net_nifa":1290,"tfa":11690,"net_tfa":11290,"tfa_he":59290,"tw":61290,"age":39,"inc":50145,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1290,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1057,"hval":60000,"hmort":19368,"hequity":40632,"nifa":0,"net_nifa":-4200,"tfa":1057,"net_tfa":-3143,"tfa_he":37489,"tw":39032,"age":36,"inc":13824,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-4200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":10000,"hval":50000,"hmort":30000,"hequity":20000,"nifa":10050,"net_nifa":7300,"tfa":26050,"net_tfa":23300,"tfa_he":43300,"tw":45300,"age":57,"inc":46605,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":13300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5574,"hval":55000,"hmort":40000,"hequity":15000,"nifa":200,"net_nifa":-2300,"tfa":5774,"net_tfa":3274,"tfa_he":18274,"tw":18274,"age":29,"inc":20175,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":28500,"hequity":71500,"nifa":9000,"net_nifa":1600,"tfa":9000,"net_tfa":1600,"tfa_he":73100,"tw":77543,"age":51,"inc":25500,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16666,"a401":0,"hval":85000,"hmort":25657,"hequity":59343,"nifa":318,"net_nifa":-10209,"tfa":16984,"net_tfa":6457,"tfa_he":65800,"tw":134200,"age":44,"inc":88074,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":6457,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":45000,"hmort":10000,"hequity":35000,"nifa":348,"net_nifa":-1887,"tfa":2648,"net_tfa":413,"tfa_he":35413,"tw":36613,"age":51,"inc":40581,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1887,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":45000,"hval":120000,"hmort":60000,"hequity":60000,"nifa":24000,"net_nifa":24000,"tfa":84000,"net_tfa":84000,"tfa_he":144000,"tw":154000,"age":42,"inc":61500,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":39000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":5000,"hval":290000,"hmort":112000,"hequity":178000,"nifa":25500,"net_nifa":25500,"tfa":38500,"net_tfa":38500,"tfa_he":216500,"tw":226025,"age":41,"inc":67596,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":33500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7400,"tfa":0,"net_tfa":-7400,"tfa_he":-7400,"tw":-7400,"age":44,"inc":51180,"fsize":4,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.31695,"net_n401":-7400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":62000,"hmort":62000,"hequity":0,"nifa":4009,"net_nifa":3609,"tfa":8009,"net_tfa":7609,"tfa_he":7609,"tw":17609,"age":41,"inc":50610,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":3609,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1300,"a401":17000,"hval":50000,"hmort":0,"hequity":50000,"nifa":16500,"net_nifa":15200,"tfa":34800,"net_tfa":33500,"tfa_he":83500,"tw":87500,"age":47,"inc":43068,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":16500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26562,"a401":80000,"hval":170000,"hmort":20000,"hequity":150000,"nifa":75105,"net_nifa":75105,"tfa":181667,"net_tfa":181667,"tfa_he":331667,"tw":331667,"age":50,"inc":66876,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":101667,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19122,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10000,"net_nifa":10000,"tfa":29122,"net_tfa":29122,"tfa_he":29122,"tw":29872,"age":55,"inc":21216,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.51179,"net_n401":29122,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":110000,"hmort":65000,"hequity":45000,"nifa":10,"net_nifa":-6190,"tfa":10,"net_tfa":-6190,"tfa_he":38810,"tw":41760,"age":49,"inc":31176,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":-6190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":25000,"hval":64000,"hmort":0,"hequity":64000,"nifa":2400,"net_nifa":600,"tfa":27400,"net_tfa":25600,"tfa_he":89600,"tw":92100,"age":49,"inc":25770,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9000,"a401":80000,"hval":150000,"hmort":0,"hequity":150000,"nifa":90000,"net_nifa":90000,"tfa":179000,"net_tfa":179000,"tfa_he":329000,"tw":529000,"age":47,"inc":94200,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":99000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":80000,"hmort":73000,"hequity":7000,"nifa":40400,"net_nifa":37400,"tfa":45400,"net_tfa":42400,"tfa_he":49400,"tw":224000,"age":39,"inc":74814,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":37400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":100000,"hequity":50000,"nifa":693,"net_nifa":-37,"tfa":693,"net_tfa":-37,"tfa_he":49963,"tw":49963,"age":31,"inc":65844,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-37,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1000,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":7200,"net_nifa":6600,"tfa":21200,"net_tfa":20600,"tfa_he":20600,"tw":20600,"age":44,"inc":46869,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71252,"net_n401":7600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":153,"net_nifa":-2347,"tfa":153,"net_tfa":-2347,"tfa_he":-2347,"tw":4305,"age":41,"inc":21000,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-2347,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":21500,"hequity":4500,"nifa":1000,"net_nifa":-400,"tfa":1000,"net_tfa":-400,"tfa_he":4100,"tw":7325,"age":34,"inc":24144,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":8000,"hval":50000,"hmort":54000,"hequity":-4000,"nifa":3650,"net_nifa":950,"tfa":12250,"net_tfa":9550,"tfa_he":5550,"tw":14550,"age":31,"inc":43281,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5405,"hval":65000,"hmort":31000,"hequity":34000,"nifa":24373,"net_nifa":1373,"tfa":29778,"net_tfa":6778,"tfa_he":40778,"tw":40778,"age":43,"inc":54840,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1373,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":70,"net_nifa":-2130,"tfa":70,"net_tfa":-2130,"tfa_he":-2130,"tw":-1830,"age":31,"inc":7938,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":-2130,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":2300,"net_nifa":2300,"tfa":5300,"net_tfa":5300,"tfa_he":5300,"tw":10075,"age":35,"inc":20805,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":2300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":720,"hval":85000,"hmort":80000,"hequity":5000,"nifa":409,"net_nifa":-3091,"tfa":1129,"net_tfa":-2371,"tfa_he":2629,"tw":22629,"age":40,"inc":43818,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3091,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":70,"a401":14000,"hval":130000,"hmort":126000,"hequity":4000,"nifa":1800,"net_nifa":-700,"tfa":15870,"net_tfa":13370,"tfa_he":17370,"tw":17370,"age":43,"inc":73194,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-630,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":140,"net_nifa":-2594,"tfa":12140,"net_tfa":9406,"tfa_he":9406,"tw":11294,"age":29,"inc":43302,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.32432,"net_n401":-2594,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":256,"net_nifa":256,"tfa":14256,"net_tfa":14256,"tfa_he":14256,"tw":41856,"age":55,"inc":40959,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":6256,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":50000,"hmort":32000,"hequity":18000,"nifa":399,"net_nifa":399,"tfa":5399,"net_tfa":5399,"tfa_he":23399,"tw":28602,"age":51,"inc":24048,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":25300,"a401":0,"hval":120000,"hmort":73500,"hequity":46500,"nifa":7847,"net_nifa":6547,"tfa":33147,"net_tfa":31847,"tfa_he":78347,"tw":78347,"age":29,"inc":52236,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":31847,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":10000,"hmort":0,"hequity":10000,"nifa":25500,"net_nifa":21500,"tfa":26700,"net_tfa":22700,"tfa_he":32700,"tw":47050,"age":51,"inc":30537,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":21500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9500,"a401":7600,"hval":119000,"hmort":42000,"hequity":77000,"nifa":10300,"net_nifa":9900,"tfa":27400,"net_tfa":27000,"tfa_he":104000,"tw":106000,"age":37,"inc":66303,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":19400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":291,"hval":65000,"hmort":65000,"hequity":0,"nifa":3100,"net_nifa":2300,"tfa":3391,"net_tfa":2591,"tfa_he":2591,"tw":10591,"age":28,"inc":39600,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":21100,"a401":5000,"hval":165000,"hmort":150000,"hequity":15000,"nifa":12000,"net_nifa":12000,"tfa":38100,"net_tfa":38100,"tfa_he":53100,"tw":63100,"age":35,"inc":90300,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":33100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":56000,"hmort":17000,"hequity":39000,"nifa":75399,"net_nifa":75399,"tfa":76399,"net_tfa":76399,"tfa_he":115399,"tw":121099,"age":37,"inc":37872,"fsize":2,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.60281,"net_n401":75399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":1800,"net_nifa":500,"tfa":1800,"net_tfa":500,"tfa_he":100500,"tw":111500,"age":46,"inc":36003,"fsize":2,"educ":9,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14400,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":-3000,"tfa":16900,"net_tfa":12400,"tfa_he":12400,"tw":142400,"age":30,"inc":9225,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.17551,"net_n401":11400,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":0,"hval":260000,"hmort":103000,"hequity":157000,"nifa":20000,"net_nifa":19300,"tfa":27500,"net_tfa":26800,"tfa_he":183800,"tw":185800,"age":39,"inc":47025,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":26800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4900,"a401":45000,"hval":70000,"hmort":35000,"hequity":35000,"nifa":800,"net_nifa":-1200,"tfa":50700,"net_tfa":48700,"tfa_he":83700,"tw":92000,"age":51,"inc":57390,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":33750,"hequity":46250,"nifa":136,"net_nifa":-2364,"tfa":136,"net_tfa":-2364,"tfa_he":43886,"tw":46911,"age":53,"inc":16200,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":-2364,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2900,"hval":85000,"hmort":6200,"hequity":78800,"nifa":43048,"net_nifa":41248,"tfa":45948,"net_tfa":44148,"tfa_he":122948,"tw":125180,"age":37,"inc":44502,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":41248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26774,"a401":28000,"hval":100000,"hmort":35000,"hequity":65000,"nifa":40700,"net_nifa":40700,"tfa":95474,"net_tfa":95474,"tfa_he":160474,"tw":175474,"age":52,"inc":66360,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":67474,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":2000,"hval":60000,"hmort":32500,"hequity":27500,"nifa":1150,"net_nifa":-1850,"tfa":9150,"net_tfa":6150,"tfa_he":33650,"tw":32150,"age":39,"inc":10140,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":4150,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":412,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2200,"tfa":412,"net_tfa":-1788,"tfa_he":-1788,"tw":-788,"age":35,"inc":17424,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2900,"net_nifa":700,"tfa":2900,"net_tfa":700,"tfa_he":700,"tw":15379,"age":36,"inc":24090,"fsize":1,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":43000,"hmort":37000,"hequity":6000,"nifa":200,"net_nifa":-3600,"tfa":200,"net_tfa":-3600,"tfa_he":2400,"tw":2400,"age":37,"inc":24312,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":42000,"hequity":158000,"nifa":1998,"net_nifa":1998,"tfa":1998,"net_tfa":1998,"tfa_he":159998,"tw":162510,"age":52,"inc":46140,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":1998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1900,"hval":102000,"hmort":62000,"hequity":40000,"nifa":12000,"net_nifa":12000,"tfa":13900,"net_tfa":13900,"tfa_he":53900,"tw":53900,"age":28,"inc":60090,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":52000,"hval":150000,"hmort":82750,"hequity":67250,"nifa":2966,"net_nifa":836,"tfa":54966,"net_tfa":52836,"tfa_he":120086,"tw":132058,"age":47,"inc":51294,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":836,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":400,"hval":175000,"hmort":113000,"hequity":62000,"nifa":9000,"net_nifa":9000,"tfa":9400,"net_tfa":9400,"tfa_he":71400,"tw":113512,"age":46,"inc":36300,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19800,"a401":80000,"hval":200000,"hmort":0,"hequity":200000,"nifa":136400,"net_nifa":134400,"tfa":236200,"net_tfa":234200,"tfa_he":434200,"tw":439200,"age":54,"inc":92046,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":154200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26000,"a401":16000,"hval":200000,"hmort":50000,"hequity":150000,"nifa":86070,"net_nifa":60132,"tfa":128070,"net_tfa":102132,"tfa_he":252132,"tw":273132,"age":53,"inc":82971,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":86132,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":62000,"hval":28500,"hmort":28500,"hequity":0,"nifa":1000,"net_nifa":-3300,"tfa":125000,"net_tfa":120700,"tfa_he":120700,"tw":124600,"age":54,"inc":31896,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":30000,"hequity":40000,"nifa":58249,"net_nifa":53749,"tfa":58249,"net_tfa":53749,"tfa_he":93749,"tw":93749,"age":52,"inc":35424,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":53749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19000,"a401":4304,"hval":125000,"hmort":0,"hequity":125000,"nifa":4128,"net_nifa":4028,"tfa":27432,"net_tfa":27332,"tfa_he":152332,"tw":161332,"age":52,"inc":70392,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":23028,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":250,"hval":70000,"hmort":63000,"hequity":7000,"nifa":27,"net_nifa":-6217,"tfa":277,"net_tfa":-5967,"tfa_he":1033,"tw":1033,"age":35,"inc":26202,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-6217,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":99400,"hmort":84600,"hequity":14800,"nifa":27499,"net_nifa":18299,"tfa":34499,"net_tfa":25299,"tfa_he":40099,"tw":496599,"age":40,"inc":56778,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":25299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":40000,"hval":200000,"hmort":0,"hequity":200000,"nifa":89998,"net_nifa":89998,"tfa":139998,"net_tfa":139998,"tfa_he":339998,"tw":339998,"age":61,"inc":45750,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":99998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":834,"hval":55000,"hmort":47500,"hequity":7500,"nifa":8299,"net_nifa":4799,"tfa":9133,"net_tfa":5633,"tfa_he":13133,"tw":13133,"age":44,"inc":21990,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":4799,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":42900,"a401":52400,"hval":72500,"hmort":0,"hequity":72500,"nifa":146850,"net_nifa":146850,"tfa":242150,"net_tfa":242150,"tfa_he":314650,"tw":315150,"age":59,"inc":90258,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":189750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1000,"a401":1000,"hval":65000,"hmort":45000,"hequity":20000,"nifa":4701,"net_nifa":4701,"tfa":6701,"net_tfa":6701,"tfa_he":26701,"tw":28201,"age":36,"inc":23331,"fsize":3,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26587,"net_n401":5701,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":27,"hval":0,"hmort":0,"hequity":0,"nifa":1265,"net_nifa":-2985,"tfa":1292,"net_tfa":-2958,"tfa_he":-2958,"tw":6528,"age":26,"inc":38931,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-2985,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":14500,"hval":190000,"hmort":20000,"hequity":170000,"nifa":7199,"net_nifa":4599,"tfa":39699,"net_tfa":37099,"tfa_he":207099,"tw":207799,"age":64,"inc":30432,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":22599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15200,"hval":62000,"hmort":50000,"hequity":12000,"nifa":3500,"net_nifa":1300,"tfa":18700,"net_tfa":16500,"tfa_he":28500,"tw":36137,"age":38,"inc":38610,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":210000,"hmort":150000,"hequity":60000,"nifa":6000,"net_nifa":200,"tfa":16000,"net_tfa":10200,"tfa_he":70200,"tw":70200,"age":27,"inc":82068,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1750,"net_nifa":-26550,"tfa":4750,"net_tfa":-23550,"tfa_he":-23550,"tw":-23550,"age":27,"inc":41583,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-26550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22507,"a401":46000,"hval":285000,"hmort":78000,"hequity":207000,"nifa":305249,"net_nifa":305049,"tfa":373756,"net_tfa":373556,"tfa_he":580556,"tw":770798,"age":59,"inc":43317,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":327556,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":13360,"hval":30000,"hmort":0,"hequity":30000,"nifa":620,"net_nifa":-180,"tfa":13980,"net_tfa":13180,"tfa_he":43180,"tw":46180,"age":31,"inc":50676,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-180,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2308,"a401":3000,"hval":29000,"hmort":18505,"hequity":10495,"nifa":400,"net_nifa":-2182,"tfa":5708,"net_tfa":3126,"tfa_he":13621,"tw":15459,"age":41,"inc":30813,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":126,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":62500,"hequity":77500,"nifa":10000,"net_nifa":-10200,"tfa":10000,"net_tfa":-10200,"tfa_he":67300,"tw":67300,"age":46,"inc":71400,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-10200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":100000,"hmort":55000,"hequity":45000,"nifa":9798,"net_nifa":9398,"tfa":12798,"net_tfa":12398,"tfa_he":57398,"tw":62398,"age":32,"inc":45933,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":9398,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":75000,"hval":66000,"hmort":66000,"hequity":0,"nifa":1050498,"net_nifa":1049098,"tfa":1135498,"net_tfa":1134098,"tfa_he":1134098,"tw":1134848,"age":38,"inc":39000,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":1059098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":32600,"hequity":52400,"nifa":19750,"net_nifa":18800,"tfa":19750,"net_tfa":18800,"tfa_he":71200,"tw":106200,"age":56,"inc":52965,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":18800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2400,"a401":63,"hval":38000,"hmort":0,"hequity":38000,"nifa":0,"net_nifa":-16400,"tfa":2463,"net_tfa":-13937,"tfa_he":24063,"tw":31063,"age":62,"inc":44124,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":30000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":23700,"net_nifa":22100,"tfa":55700,"net_tfa":54100,"tfa_he":204100,"tw":212650,"age":40,"inc":55815,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":24100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":17000,"hval":135000,"hmort":100000,"hequity":35000,"nifa":1500,"net_nifa":-4500,"tfa":23500,"net_tfa":17500,"tfa_he":52500,"tw":66500,"age":36,"inc":55305,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1042,"net_nifa":-2458,"tfa":2742,"net_tfa":-758,"tfa_he":39242,"tw":39242,"age":49,"inc":37833,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-2458,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-25,"tfa":3000,"net_tfa":-25,"tfa_he":-25,"tw":7571,"age":26,"inc":18594,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-25,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-1600,"tfa":400,"net_tfa":-1600,"tfa_he":-1600,"tw":400,"age":41,"inc":24660,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":39000,"net_nifa":35000,"tfa":39000,"net_tfa":35000,"tfa_he":35000,"tw":43725,"age":32,"inc":69327,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":35000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":140000,"hmort":115000,"hequity":25000,"nifa":7500,"net_nifa":6000,"tfa":12500,"net_tfa":11000,"tfa_he":36000,"tw":36000,"age":54,"inc":66018,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13000,"hval":72500,"hmort":57000,"hequity":15500,"nifa":1218,"net_nifa":-10282,"tfa":14218,"net_tfa":2718,"tfa_he":18218,"tw":27218,"age":40,"inc":39165,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-10282,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":179000,"tw":179500,"age":38,"inc":23577,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":45000,"hmort":40000,"hequity":5000,"nifa":0,"net_nifa":0,"tfa":18000,"net_tfa":18000,"tfa_he":23000,"tw":23750,"age":50,"inc":20373,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":27500,"a401":6700,"hval":72000,"hmort":23000,"hequity":49000,"nifa":31498,"net_nifa":31198,"tfa":65698,"net_tfa":65398,"tfa_he":114398,"tw":127398,"age":60,"inc":33663,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":58698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":70,"a401":1600,"hval":82000,"hmort":3000,"hequity":79000,"nifa":6400,"net_nifa":2400,"tfa":8070,"net_tfa":4070,"tfa_he":83070,"tw":83070,"age":30,"inc":34842,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":2470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":180000,"hmort":45000,"hequity":135000,"nifa":1300,"net_nifa":500,"tfa":13300,"net_tfa":12500,"tfa_he":147500,"tw":193500,"age":61,"inc":32595,"fsize":3,"educ":5,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":999,"net_nifa":-101,"tfa":3499,"net_tfa":2399,"tfa_he":2399,"tw":6799,"age":40,"inc":37188,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-101,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":76000,"hmort":61000,"hequity":15000,"nifa":800,"net_nifa":-4200,"tfa":800,"net_tfa":-4200,"tfa_he":10800,"tw":17025,"age":27,"inc":35736,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":170000,"hmort":133000,"hequity":37000,"nifa":34800,"net_nifa":33000,"tfa":54800,"net_tfa":53000,"tfa_he":90000,"tw":90000,"age":38,"inc":42750,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":33000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":150000,"hmort":44000,"hequity":106000,"nifa":61000,"net_nifa":34200,"tfa":141000,"net_tfa":114200,"tfa_he":220200,"tw":221700,"age":36,"inc":85755,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":34200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":21000,"hval":92000,"hmort":59000,"hequity":33000,"nifa":4000,"net_nifa":-1500,"tfa":25000,"net_tfa":19500,"tfa_he":52500,"tw":52500,"age":59,"inc":67488,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":104000,"age":30,"inc":28659,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1600,"a401":1500,"hval":32000,"hmort":23500,"hequity":8500,"nifa":850,"net_nifa":-1750,"tfa":3950,"net_tfa":1350,"tfa_he":9850,"tw":17350,"age":42,"inc":47073,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":-150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":81200,"a401":80000,"hval":300000,"hmort":52400,"hequity":247600,"nifa":88400,"net_nifa":88400,"tfa":249600,"net_tfa":249600,"tfa_he":497200,"tw":497200,"age":54,"inc":81711,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":169600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":16000,"hequity":59000,"nifa":7673,"net_nifa":7273,"tfa":7673,"net_tfa":7273,"tfa_he":66273,"tw":84138,"age":53,"inc":41976,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":7273,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":81000,"hequity":39000,"nifa":25,"net_nifa":-5975,"tfa":25,"net_tfa":-5975,"tfa_he":33025,"tw":33025,"age":44,"inc":36870,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-5975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":90000,"hmort":63000,"hequity":27000,"nifa":10499,"net_nifa":10499,"tfa":60499,"net_tfa":60499,"tfa_he":87499,"tw":92356,"age":50,"inc":70065,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":10499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2500,"tfa":21000,"net_tfa":18500,"tfa_he":18500,"tw":18500,"age":42,"inc":14160,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":55554,"hmort":50000,"hequity":5554,"nifa":200,"net_nifa":-2215,"tfa":5200,"net_tfa":2785,"tfa_he":8339,"tw":8339,"age":36,"inc":28872,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2215,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13000,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":150741,"net_nifa":149741,"tfa":163741,"net_tfa":162741,"tfa_he":212741,"tw":277741,"age":59,"inc":104121,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":162741,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11200,"net_nifa":-800,"tfa":11200,"net_tfa":-800,"tfa_he":-800,"tw":36075,"age":45,"inc":39717,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":890,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1300,"tfa":1890,"net_tfa":-410,"tfa_he":-410,"tw":7186,"age":42,"inc":34440,"fsize":1,"educ":1,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.66008,"net_n401":-1300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6050,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-800,"tfa":7250,"net_tfa":6250,"tfa_he":6250,"tw":6250,"age":32,"inc":52404,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":5250,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":13000,"hval":142000,"hmort":120000,"hequity":22000,"nifa":1874,"net_nifa":1874,"tfa":15474,"net_tfa":15474,"tfa_he":37474,"tw":41017,"age":46,"inc":107823,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":2474,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17000,"hval":80000,"hmort":52000,"hequity":28000,"nifa":60,"net_nifa":-3440,"tfa":17060,"net_tfa":13560,"tfa_he":41560,"tw":41560,"age":36,"inc":34506,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-3440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":35000,"hval":42000,"hmort":27000,"hequity":15000,"nifa":50,"net_nifa":-1650,"tfa":35050,"net_tfa":33350,"tfa_he":48350,"tw":48350,"age":46,"inc":15699,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-1650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":40,"inc":22008,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":2000,"net_tfa":1300,"tfa_he":1300,"tw":3800,"age":27,"inc":18270,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":36000,"hequity":14000,"nifa":655,"net_nifa":-9345,"tfa":655,"net_tfa":-9345,"tfa_he":4655,"tw":6155,"age":44,"inc":48339,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-9345,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":57057,"a401":33000,"hval":290000,"hmort":150000,"hequity":140000,"nifa":433478,"net_nifa":433478,"tfa":523535,"net_tfa":523535,"tfa_he":663535,"tw":683535,"age":36,"inc":164097,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":490535,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":30000,"hval":220000,"hmort":150000,"hequity":70000,"nifa":77200,"net_nifa":76600,"tfa":121200,"net_tfa":120600,"tfa_he":190600,"tw":192100,"age":33,"inc":100575,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":90600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6875,"hval":0,"hmort":0,"hequity":0,"nifa":1199,"net_nifa":1114,"tfa":8074,"net_tfa":7989,"tfa_he":7989,"tw":7989,"age":58,"inc":19878,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.3792,"net_n401":1114,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":7800,"a401":17000,"hval":239000,"hmort":150000,"hequity":89000,"nifa":50000,"net_nifa":50000,"tfa":74800,"net_tfa":74800,"tfa_he":163800,"tw":164450,"age":41,"inc":90261,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":57800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":2900,"hval":155000,"hmort":11000,"hequity":144000,"nifa":17964,"net_nifa":16964,"tfa":26364,"net_tfa":25364,"tfa_he":169364,"tw":169364,"age":38,"inc":60882,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":22464,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4500,"a401":100,"hval":300000,"hmort":85000,"hequity":215000,"nifa":3075,"net_nifa":375,"tfa":7675,"net_tfa":4975,"tfa_he":219975,"tw":222675,"age":49,"inc":42915,"fsize":3,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":4875,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":39900,"hequity":260100,"nifa":38548,"net_nifa":33748,"tfa":38548,"net_tfa":33748,"tfa_he":293848,"tw":305848,"age":37,"inc":47703,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":33748,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2200,"hval":130000,"hmort":68000,"hequity":62000,"nifa":4808,"net_nifa":3738,"tfa":7008,"net_tfa":5938,"tfa_he":67938,"tw":67938,"age":34,"inc":55662,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":3738,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":4700,"tfa":5000,"net_tfa":4700,"tfa_he":4700,"tw":8500,"age":30,"inc":33435,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":32000,"hval":135000,"hmort":75000,"hequity":60000,"nifa":9300,"net_nifa":9300,"tfa":41300,"net_tfa":41300,"tfa_he":101300,"tw":111300,"age":34,"inc":57774,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":9300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":40000,"hmort":35000,"hequity":5000,"nifa":1200,"net_nifa":600,"tfa":81200,"net_tfa":80600,"tfa_he":85600,"tw":90600,"age":36,"inc":39168,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":950,"net_nifa":950,"tfa":950,"net_tfa":950,"tfa_he":950,"tw":8650,"age":35,"inc":31626,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":950,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":50000,"hval":75000,"hmort":15500,"hequity":59500,"nifa":1600,"net_nifa":1350,"tfa":59600,"net_tfa":59350,"tfa_he":118850,"tw":129350,"age":57,"inc":37104,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":9350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":45200,"a401":0,"hval":90000,"hmort":40000,"hequity":50000,"nifa":3999,"net_nifa":3899,"tfa":49199,"net_tfa":49099,"tfa_he":99099,"tw":104099,"age":56,"inc":114573,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":49099,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4486,"a401":18200,"hval":0,"hmort":0,"hequity":0,"nifa":3036,"net_nifa":-1015,"tfa":25722,"net_tfa":21671,"tfa_he":21671,"tw":21671,"age":34,"inc":35412,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":3471,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":33000,"hequity":42000,"nifa":35050,"net_nifa":35050,"tfa":35050,"net_tfa":35050,"tfa_he":77050,"tw":98050,"age":37,"inc":17286,"fsize":3,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.14307,"net_n401":35050,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":70000,"hequity":10000,"nifa":1530,"net_nifa":-3070,"tfa":1530,"net_tfa":-3070,"tfa_he":6930,"tw":8930,"age":34,"inc":24432,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-3070,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10300,"net_nifa":6700,"tfa":10300,"net_tfa":6700,"tfa_he":6700,"tw":16596,"age":35,"inc":35358,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":6700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":50000,"hval":145000,"hmort":29000,"hequity":116000,"nifa":36329,"net_nifa":33329,"tfa":102329,"net_tfa":99329,"tfa_he":215329,"tw":318329,"age":58,"inc":89988,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":49329,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":120,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":-750,"tfa":570,"net_tfa":-630,"tfa_he":-630,"tw":113,"age":25,"inc":15627,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-750,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":19000,"hval":75000,"hmort":54000,"hequity":21000,"nifa":3000,"net_nifa":-500,"tfa":23500,"net_tfa":20000,"tfa_he":41000,"tw":43950,"age":41,"inc":42615,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":754,"hval":0,"hmort":0,"hequity":0,"nifa":62175,"net_nifa":61925,"tfa":62929,"net_tfa":62679,"tfa_he":62679,"tw":67679,"age":28,"inc":26646,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":61925,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":62000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":1449,"net_nifa":1249,"tfa":63449,"net_tfa":63249,"tfa_he":163249,"tw":163249,"age":50,"inc":26190,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":63249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":160,"a401":18000,"hval":0,"hmort":0,"hequity":0,"nifa":2279,"net_nifa":1924,"tfa":20439,"net_tfa":20084,"tfa_he":20084,"tw":24823,"age":38,"inc":33921,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.27754,"net_n401":2084,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":9000,"hval":150000,"hmort":113600,"hequity":36400,"nifa":30200,"net_nifa":29700,"tfa":64200,"net_tfa":63700,"tfa_he":100100,"tw":104750,"age":41,"inc":47238,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":54700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20850,"a401":80000,"hval":250000,"hmort":0,"hequity":250000,"nifa":31000,"net_nifa":31000,"tfa":131850,"net_tfa":131850,"tfa_he":381850,"tw":694058,"age":51,"inc":59907,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":51850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":52500,"hmort":52500,"hequity":0,"nifa":2500,"net_nifa":350,"tfa":2500,"net_tfa":350,"tfa_he":350,"tw":36350,"age":29,"inc":35670,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":106000,"hmort":105000,"hequity":1000,"nifa":154000,"net_nifa":152000,"tfa":169000,"net_tfa":167000,"tfa_he":168000,"tw":183199,"age":44,"inc":64170,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":152000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2600,"hval":0,"hmort":0,"hequity":0,"nifa":147,"net_nifa":-5853,"tfa":2747,"net_tfa":-3253,"tfa_he":-3253,"tw":1047,"age":39,"inc":47754,"fsize":7,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-5853,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":100000,"hequity":40000,"nifa":500,"net_nifa":-500,"tfa":500,"net_tfa":-500,"tfa_he":39500,"tw":72500,"age":31,"inc":32412,"fsize":8,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":11000,"hval":50000,"hmort":11000,"hequity":39000,"nifa":2015,"net_nifa":1015,"tfa":14515,"net_tfa":13515,"tfa_he":52515,"tw":52515,"age":52,"inc":41184,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.71967,"net_n401":2515,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":6049,"net_nifa":-17351,"tfa":6049,"net_tfa":-17351,"tfa_he":12649,"tw":21248,"age":42,"inc":56883,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-17351,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7955,"net_nifa":7955,"tfa":7955,"net_tfa":7955,"tfa_he":7955,"tw":9455,"age":55,"inc":20760,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":7955,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15000,"hval":80700,"hmort":53000,"hequity":27700,"nifa":5099,"net_nifa":-36901,"tfa":20099,"net_tfa":-21901,"tfa_he":5799,"tw":12499,"age":30,"inc":100302,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":-36901,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2230,"a401":5000,"hval":56000,"hmort":49500,"hequity":6500,"nifa":10500,"net_nifa":6000,"tfa":17730,"net_tfa":13230,"tfa_he":19730,"tw":43730,"age":30,"inc":48000,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":8230,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":22000,"hequity":4000,"nifa":0,"net_nifa":-975,"tfa":0,"net_tfa":-975,"tfa_he":3025,"tw":3025,"age":38,"inc":24210,"fsize":6,"educ":5,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-975,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15500,"a401":80000,"hval":135000,"hmort":45000,"hequity":90000,"nifa":64998,"net_nifa":60998,"tfa":160498,"net_tfa":156498,"tfa_he":246498,"tw":881498,"age":54,"inc":75003,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":76498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":28000,"hequity":44000,"nifa":1800,"net_nifa":-3100,"tfa":1800,"net_tfa":-3100,"tfa_he":40900,"tw":40900,"age":46,"inc":27000,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.39785,"net_n401":-3100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":250000,"hmort":108000,"hequity":142000,"nifa":6652,"net_nifa":6652,"tfa":8152,"net_tfa":8152,"tfa_he":150152,"tw":156652,"age":38,"inc":21015,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":6652,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":58424,"hmort":21500,"hequity":36924,"nifa":7699,"net_nifa":4699,"tfa":13699,"net_tfa":10699,"tfa_he":47623,"tw":50135,"age":53,"inc":20646,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4699,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":32000,"hval":195000,"hmort":121000,"hequity":74000,"nifa":7500,"net_nifa":2678,"tfa":39500,"net_tfa":34678,"tfa_he":108678,"tw":108678,"age":29,"inc":54900,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":2678,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":13000,"hval":70000,"hmort":0,"hequity":70000,"nifa":26010,"net_nifa":26010,"tfa":53010,"net_tfa":53010,"tfa_he":123010,"tw":123010,"age":60,"inc":51489,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":40010,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":43000,"a401":24000,"hval":159000,"hmort":84000,"hequity":75000,"nifa":69000,"net_nifa":68900,"tfa":136000,"net_tfa":135900,"tfa_he":210900,"tw":216900,"age":63,"inc":49257,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":111900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":7000,"hval":70000,"hmort":64000,"hequity":6000,"nifa":2500,"net_nifa":1700,"tfa":20104,"net_tfa":19304,"tfa_he":25304,"tw":32001,"age":43,"inc":28716,"fsize":2,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":599,"net_nifa":599,"tfa":599,"net_tfa":599,"tfa_he":599,"tw":599,"age":29,"inc":24156,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":599,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":160000,"hmort":114240,"hequity":45760,"nifa":1500,"net_nifa":-6500,"tfa":6000,"net_tfa":-2000,"tfa_he":43760,"tw":59760,"age":32,"inc":60150,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-6500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":1400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":2900,"age":36,"inc":36750,"fsize":4,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":1400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":101000,"net_nifa":100500,"tfa":123000,"net_tfa":122500,"tfa_he":222500,"tw":222500,"age":57,"inc":45390,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":122500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":35000,"hequity":15000,"nifa":4000,"net_nifa":4000,"tfa":4000,"net_tfa":4000,"tfa_he":19000,"tw":19000,"age":40,"inc":35190,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":150000,"hmort":0,"hequity":150000,"nifa":2393,"net_nifa":983,"tfa":9393,"net_tfa":7983,"tfa_he":157983,"tw":170108,"age":64,"inc":38991,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":983,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":75000,"hmort":75000,"hequity":0,"nifa":11500,"net_nifa":11100,"tfa":21500,"net_tfa":21100,"tfa_he":21100,"tw":21100,"age":41,"inc":86097,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":11100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":70000,"hmort":62000,"hequity":8000,"nifa":6100,"net_nifa":2000,"tfa":8600,"net_tfa":4500,"tfa_he":12500,"tw":16500,"age":46,"inc":49692,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":130000,"hmort":0,"hequity":130000,"nifa":27200,"net_nifa":27170,"tfa":27200,"net_tfa":27170,"tfa_he":157170,"tw":159300,"age":62,"inc":51099,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":27170,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":20000,"hmort":2537,"hequity":17463,"nifa":100,"net_nifa":-900,"tfa":10100,"net_tfa":9100,"tfa_he":26563,"tw":33227,"age":33,"inc":42924,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":70000,"hmort":68500,"hequity":1500,"nifa":900,"net_nifa":-7600,"tfa":10900,"net_tfa":2400,"tfa_he":3900,"tw":11900,"age":28,"inc":52248,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-7600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":77086,"net_nifa":76586,"tfa":78286,"net_tfa":77786,"tfa_he":77786,"tw":82452,"age":31,"inc":75282,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.32013,"net_n401":76586,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-800,"tfa":7000,"net_tfa":3700,"tfa_he":3700,"tw":102366,"age":44,"inc":26880,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":834,"hval":300000,"hmort":150000,"hequity":150000,"nifa":1599,"net_nifa":-1514,"tfa":10433,"net_tfa":7320,"tfa_he":157320,"tw":368320,"age":41,"inc":21726,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":6486,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":120000,"hequity":0,"nifa":9999,"net_nifa":9399,"tfa":9999,"net_tfa":9399,"tfa_he":9399,"tw":14724,"age":44,"inc":60600,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":9399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15000,"a401":500,"hval":60000,"hmort":0,"hequity":60000,"nifa":95454,"net_nifa":92454,"tfa":110954,"net_tfa":107954,"tfa_he":167954,"tw":247954,"age":55,"inc":52527,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":107454,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1820,"net_nifa":-14180,"tfa":1820,"net_tfa":-14180,"tfa_he":-14180,"tw":-14180,"age":36,"inc":100356,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.32013,"net_n401":-14180,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5440,"a401":8260,"hval":200000,"hmort":150000,"hequity":50000,"nifa":6200,"net_nifa":4600,"tfa":19900,"net_tfa":18300,"tfa_he":68300,"tw":68300,"age":35,"inc":86814,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":10040,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":19000,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-2600,"tfa":19500,"net_tfa":16400,"tfa_he":16400,"tw":16400,"age":39,"inc":22338,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":16000,"hval":200000,"hmort":140000,"hequity":60000,"nifa":12831,"net_nifa":12831,"tfa":35831,"net_tfa":35831,"tfa_he":95831,"tw":104831,"age":47,"inc":100116,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":19831,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":5000,"hval":100000,"hmort":65000,"hequity":35000,"nifa":26999,"net_nifa":26999,"tfa":49999,"net_tfa":49999,"tfa_he":84999,"tw":93460,"age":31,"inc":37515,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":44999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1400,"a401":3330,"hval":300000,"hmort":56000,"hequity":244000,"nifa":23200,"net_nifa":23200,"tfa":27930,"net_tfa":27930,"tfa_he":271930,"tw":271930,"age":43,"inc":51153,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":24600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":-8200,"tfa":1600,"net_tfa":-7400,"tfa_he":-7400,"tw":-5508,"age":36,"inc":9027,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":-8200,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":30280,"net_nifa":28280,"tfa":36280,"net_tfa":34280,"tfa_he":34280,"tw":34280,"age":37,"inc":74850,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":28280,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":124000,"hmort":65000,"hequity":59000,"nifa":9800,"net_nifa":7800,"tfa":12300,"net_tfa":10300,"tfa_he":69300,"tw":69300,"age":32,"inc":52875,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":40000,"hmort":0,"hequity":40000,"nifa":979,"net_nifa":293,"tfa":25979,"net_tfa":25293,"tfa_he":65293,"tw":65293,"age":49,"inc":34047,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":293,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":268,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-650,"tfa":468,"net_tfa":-382,"tfa_he":-382,"tw":10118,"age":49,"inc":47640,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":6450,"net_nifa":-11750,"tfa":56450,"net_tfa":38250,"tfa_he":188250,"tw":258250,"age":44,"inc":96774,"fsize":3,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-11750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":38000,"hval":90000,"hmort":39500,"hequity":50500,"nifa":27500,"net_nifa":27050,"tfa":70500,"net_tfa":70050,"tfa_he":120550,"tw":128550,"age":35,"inc":54960,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":32050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":50000,"hmort":25000,"hequity":25000,"nifa":1060,"net_nifa":1060,"tfa":5060,"net_tfa":5060,"tfa_he":30060,"tw":39060,"age":53,"inc":47586,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":1060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":60,"hval":0,"hmort":0,"hequity":0,"nifa":2346,"net_nifa":2346,"tfa":2406,"net_tfa":2406,"tfa_he":2406,"tw":3321,"age":25,"inc":21042,"fsize":1,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":2346,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":250,"tfa":11000,"net_tfa":10250,"tfa_he":10250,"tw":10250,"age":30,"inc":22320,"fsize":4,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":250,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":130000,"hmort":130000,"hequity":0,"nifa":7073,"net_nifa":-8187,"tfa":9573,"net_tfa":-5687,"tfa_he":-5687,"tw":64313,"age":44,"inc":67428,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":-5687,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":23000,"hval":0,"hmort":0,"hequity":0,"nifa":15750,"net_nifa":15650,"tfa":38750,"net_tfa":38650,"tfa_he":38650,"tw":78650,"age":32,"inc":47628,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":15650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":13934,"net_nifa":13934,"tfa":17934,"net_tfa":17934,"tfa_he":17934,"tw":21284,"age":45,"inc":53856,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.31695,"net_n401":13934,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":35000,"hval":65000,"hmort":59000,"hequity":6000,"nifa":0,"net_nifa":-3750,"tfa":35000,"net_tfa":31250,"tfa_he":37250,"tw":37250,"age":37,"inc":67056,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-3750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5500,"a401":12000,"hval":103000,"hmort":95000,"hequity":8000,"nifa":26849,"net_nifa":26449,"tfa":44349,"net_tfa":43949,"tfa_he":51949,"tw":71449,"age":47,"inc":64653,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":31949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1700,"hval":55000,"hmort":44000,"hequity":11000,"nifa":2300,"net_nifa":1276,"tfa":4000,"net_tfa":2976,"tfa_he":13976,"tw":16376,"age":30,"inc":38454,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":1276,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":46250,"hequity":63750,"nifa":4160,"net_nifa":4160,"tfa":4160,"net_tfa":4160,"tfa_he":67910,"tw":73910,"age":42,"inc":18375,"fsize":7,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":4160,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":850,"hval":38000,"hmort":0,"hequity":38000,"nifa":600,"net_nifa":600,"tfa":1450,"net_tfa":1450,"tfa_he":39450,"tw":39550,"age":36,"inc":20094,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":0,"hmort":0,"hequity":0,"nifa":10800,"net_nifa":7800,"tfa":11700,"net_tfa":8700,"tfa_he":8700,"tw":8700,"age":37,"inc":58053,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":7800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":42000,"hval":32500,"hmort":32500,"hequity":0,"nifa":600,"net_nifa":-400,"tfa":42600,"net_tfa":41600,"tfa_he":41600,"tw":42800,"age":41,"inc":18240,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":32000,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":8200,"net_nifa":8200,"tfa":62200,"net_tfa":62200,"tfa_he":142200,"tw":183175,"age":53,"inc":47478,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6509,"net_n401":40200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":27000,"hval":125000,"hmort":99900,"hequity":25100,"nifa":17100,"net_nifa":17100,"tfa":44100,"net_tfa":44100,"tfa_he":69200,"tw":75400,"age":39,"inc":44529,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":17100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":9000,"a401":20500,"hval":172000,"hmort":90000,"hequity":82000,"nifa":13500,"net_nifa":12450,"tfa":43000,"net_tfa":41950,"tfa_he":123950,"tw":128400,"age":48,"inc":71646,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":21450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":238000,"hmort":150000,"hequity":88000,"nifa":0,"net_nifa":-8300,"tfa":10000,"net_tfa":1700,"tfa_he":89700,"tw":89700,"age":42,"inc":54597,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-8300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":3200,"hval":80000,"hmort":25000,"hequity":55000,"nifa":13000,"net_nifa":11800,"tfa":27200,"net_tfa":26000,"tfa_he":81000,"tw":96999,"age":42,"inc":54456,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":22800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":74500,"hequity":10500,"nifa":2090,"net_nifa":2090,"tfa":2090,"net_tfa":2090,"tfa_he":12590,"tw":13090,"age":43,"inc":23850,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":2090,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":300,"net_tfa":100,"tfa_he":100,"tw":5100,"age":41,"inc":28143,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":28000,"hequity":42000,"nifa":0,"net_nifa":-1500,"tfa":0,"net_tfa":-1500,"tfa_he":40500,"tw":48500,"age":29,"inc":23100,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12500,"a401":6800,"hval":96000,"hmort":96000,"hequity":0,"nifa":4000,"net_nifa":4000,"tfa":23300,"net_tfa":23300,"tfa_he":23300,"tw":23300,"age":34,"inc":106782,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":16500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":37000,"hval":90000,"hmort":30000,"hequity":60000,"nifa":65169,"net_nifa":58169,"tfa":106169,"net_tfa":99169,"tfa_he":159169,"tw":161169,"age":61,"inc":42231,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":62169,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":766,"net_nifa":-1884,"tfa":766,"net_tfa":-1884,"tfa_he":-1884,"tw":1416,"age":38,"inc":35757,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1884,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":11110,"hmort":10000,"hequity":1110,"nifa":5848,"net_nifa":648,"tfa":7148,"net_tfa":1948,"tfa_he":3058,"tw":5558,"age":34,"inc":29019,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":648,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16400,"a401":50000,"hval":78000,"hmort":67000,"hequity":11000,"nifa":20540,"net_nifa":20472,"tfa":86940,"net_tfa":86872,"tfa_he":97872,"tw":110372,"age":30,"inc":51993,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":36872,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":76600,"hequity":13400,"nifa":800,"net_nifa":-4000,"tfa":800,"net_tfa":-4000,"tfa_he":9400,"tw":31395,"age":34,"inc":62355,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3600,"a401":6875,"hval":75000,"hmort":75000,"hequity":0,"nifa":10536,"net_nifa":10536,"tfa":21011,"net_tfa":21011,"tfa_he":21011,"tw":21111,"age":53,"inc":29046,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":14136,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4500,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":52000,"net_nifa":52000,"tfa":66500,"net_tfa":66500,"tfa_he":66500,"tw":67000,"age":47,"inc":64800,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.63866,"net_n401":56500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":63000,"hequity":2000,"nifa":7700,"net_nifa":7700,"tfa":7700,"net_tfa":7700,"tfa_he":9700,"tw":25700,"age":28,"inc":72648,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":7700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95500,"hmort":95500,"hequity":0,"nifa":10000,"net_nifa":-30000,"tfa":10000,"net_tfa":-30000,"tfa_he":-30000,"tw":-29000,"age":30,"inc":33270,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-30000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":5500,"net_tfa":5500,"tfa_he":5500,"tw":11250,"age":29,"inc":36000,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":38000,"hval":125000,"hmort":37200,"hequity":87800,"nifa":1699,"net_nifa":-401,"tfa":39699,"net_tfa":37599,"tfa_he":125399,"tw":132899,"age":56,"inc":55503,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-401,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1700,"hval":60000,"hmort":54000,"hequity":6000,"nifa":2050,"net_nifa":-8950,"tfa":3750,"net_tfa":-7250,"tfa_he":-1250,"tw":1750,"age":41,"inc":29739,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-8950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1050,"net_nifa":710,"tfa":4050,"net_tfa":3710,"tfa_he":3710,"tw":4235,"age":42,"inc":24237,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":710,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-3700,"tfa":300,"net_tfa":-3700,"tfa_he":-3700,"tw":6300,"age":40,"inc":52173,"fsize":6,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-3700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":107000,"hmort":75500,"hequity":31500,"nifa":12499,"net_nifa":-3201,"tfa":12499,"net_tfa":-3201,"tfa_he":28299,"tw":49299,"age":47,"inc":61602,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-3201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2834,"hval":40000,"hmort":22500,"hequity":17500,"nifa":7500,"net_nifa":6500,"tfa":10334,"net_tfa":9334,"tfa_he":26834,"tw":28834,"age":44,"inc":27390,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":6500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":42000,"net_nifa":40000,"tfa":42000,"net_tfa":40000,"tfa_he":40000,"tw":43075,"age":32,"inc":13680,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":40000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":15250,"a401":5405,"hval":55000,"hmort":41000,"hequity":14000,"nifa":5099,"net_nifa":4999,"tfa":25754,"net_tfa":25654,"tfa_he":39654,"tw":46397,"age":37,"inc":26781,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":20249,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":25000,"hmort":18500,"hequity":6500,"nifa":9999,"net_nifa":-15001,"tfa":22999,"net_tfa":-2001,"tfa_he":4499,"tw":11849,"age":35,"inc":32364,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-15001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":2600,"tfa":2600,"net_tfa":2600,"tfa_he":2600,"tw":18653,"age":29,"inc":36030,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":2600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22500,"a401":26942,"hval":165000,"hmort":0,"hequity":165000,"nifa":194000,"net_nifa":192000,"tfa":243442,"net_tfa":241442,"tfa_he":406442,"tw":406442,"age":46,"inc":48000,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":214500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3500,"hval":55000,"hmort":30600,"hequity":24400,"nifa":1200,"net_nifa":-650,"tfa":4700,"net_tfa":2850,"tfa_he":27250,"tw":31250,"age":38,"inc":15000,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-650,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10120,"a401":11000,"hval":84000,"hmort":42000,"hequity":42000,"nifa":39609,"net_nifa":39339,"tfa":60729,"net_tfa":60459,"tfa_he":102459,"tw":115259,"age":37,"inc":41031,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":49459,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":28000,"net_nifa":28000,"tfa":28000,"net_tfa":28000,"tfa_he":28000,"tw":28000,"age":37,"inc":50082,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":28000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":58000,"a401":10000,"hval":121000,"hmort":121000,"hequity":0,"nifa":227998,"net_nifa":227898,"tfa":295998,"net_tfa":295898,"tfa_he":295898,"tw":295898,"age":40,"inc":66801,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":285898,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":215000,"hmort":40000,"hequity":175000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":175000,"tw":175000,"age":62,"inc":32616,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3000,"hval":35000,"hmort":22500,"hequity":12500,"nifa":200,"net_nifa":200,"tfa":3200,"net_tfa":3200,"tfa_he":15700,"tw":18200,"age":37,"inc":26868,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":23000,"hmort":19000,"hequity":4000,"nifa":306,"net_nifa":306,"tfa":3306,"net_tfa":3306,"tfa_he":7306,"tw":9806,"age":28,"inc":42411,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":306,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12447,"a401":30000,"hval":200000,"hmort":0,"hequity":200000,"nifa":49999,"net_nifa":49999,"tfa":92446,"net_tfa":92446,"tfa_he":292446,"tw":292446,"age":53,"inc":62400,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":62446,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3314,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6947,"net_nifa":6847,"tfa":10261,"net_tfa":10161,"tfa_he":10161,"tw":17161,"age":27,"inc":36432,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":10161,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":400,"hval":280000,"hmort":150000,"hequity":130000,"nifa":14362,"net_nifa":8362,"tfa":34762,"net_tfa":28762,"tfa_he":158762,"tw":213783,"age":45,"inc":47316,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":28362,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":85000,"hmort":25000,"hequity":60000,"nifa":300,"net_nifa":-5700,"tfa":3300,"net_tfa":-2700,"tfa_he":57300,"tw":57300,"age":53,"inc":31470,"fsize":7,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-5700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":45000,"hequity":27000,"nifa":2850,"net_nifa":-7150,"tfa":2850,"net_tfa":-7150,"tfa_he":19850,"tw":27256,"age":59,"inc":46722,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-7150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":60000,"hmort":24000,"hequity":36000,"nifa":2600,"net_nifa":-6400,"tfa":2600,"net_tfa":-6400,"tfa_he":29600,"tw":29600,"age":38,"inc":47784,"fsize":4,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":-6400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6700,"net_nifa":200,"tfa":6700,"net_tfa":200,"tfa_he":200,"tw":200,"age":42,"inc":28245,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13600,"a401":106320,"hval":240000,"hmort":150000,"hequity":90000,"nifa":40776,"net_nifa":15276,"tfa":160696,"net_tfa":135196,"tfa_he":225196,"tw":252796,"age":44,"inc":158721,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":28876,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":105000,"hequity":95000,"nifa":1700,"net_nifa":1700,"tfa":1700,"net_tfa":1700,"tfa_he":96700,"tw":99200,"age":43,"inc":29604,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":14524,"hval":175000,"hmort":30000,"hequity":145000,"nifa":29574,"net_nifa":29574,"tfa":44098,"net_tfa":44098,"tfa_he":189098,"tw":221098,"age":43,"inc":48468,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":29574,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2800,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-200,"tfa":2900,"net_tfa":2600,"tfa_he":2600,"tw":3600,"age":58,"inc":11325,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":75000,"hmort":65500,"hequity":9500,"nifa":500,"net_nifa":-2000,"tfa":4500,"net_tfa":2000,"tfa_he":11500,"tw":32500,"age":34,"inc":31722,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":4300,"net_tfa":4300,"tfa_he":4300,"tw":22300,"age":25,"inc":19800,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":9999,"net_nifa":9999,"tfa":9999,"net_tfa":9999,"tfa_he":109999,"tw":113249,"age":54,"inc":21450,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":125000,"hequity":175000,"nifa":4500,"net_nifa":3500,"tfa":4500,"net_tfa":3500,"tfa_he":178500,"tw":184300,"age":40,"inc":76866,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13767,"hval":130400,"hmort":130400,"hequity":0,"nifa":10205,"net_nifa":9005,"tfa":23972,"net_tfa":22772,"tfa_he":22772,"tw":30772,"age":53,"inc":55725,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":9005,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26000,"hmort":26000,"hequity":0,"nifa":0,"net_nifa":-480,"tfa":0,"net_tfa":-480,"tfa_he":-480,"tw":920,"age":28,"inc":25749,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-480,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":15000,"hval":175000,"hmort":0,"hequity":175000,"nifa":259000,"net_nifa":259000,"tfa":324000,"net_tfa":324000,"tfa_he":499000,"tw":499000,"age":62,"inc":95430,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":309000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1700,"hval":0,"hmort":0,"hequity":0,"nifa":26258,"net_nifa":22858,"tfa":27958,"net_tfa":24558,"tfa_he":24558,"tw":24558,"age":36,"inc":16794,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":22858,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":4909,"a401":65000,"hval":80000,"hmort":38000,"hequity":42000,"nifa":15999,"net_nifa":15499,"tfa":101908,"net_tfa":101408,"tfa_he":143408,"tw":181408,"age":56,"inc":36912,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.54491,"net_n401":20408,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":62000,"hmort":42000,"hequity":20000,"nifa":2315,"net_nifa":-4635,"tfa":2315,"net_tfa":-4635,"tfa_he":15365,"tw":15365,"age":41,"inc":48312,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-4635,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":0,"hmort":0,"hequity":0,"nifa":11047,"net_nifa":10047,"tfa":22047,"net_tfa":21047,"tfa_he":21047,"tw":25647,"age":41,"inc":92514,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":10047,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":94000,"hmort":77000,"hequity":17000,"nifa":2499,"net_nifa":-5301,"tfa":2499,"net_tfa":-5301,"tfa_he":11699,"tw":51699,"age":52,"inc":51060,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5301,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":7000,"hval":200000,"hmort":150000,"hequity":50000,"nifa":1900,"net_nifa":1900,"tfa":28900,"net_tfa":28900,"tfa_he":78900,"tw":78900,"age":35,"inc":52572,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":21900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":700,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":5750,"age":33,"inc":12486,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":170,"hval":4000,"hmort":3200,"hequity":800,"nifa":31,"net_nifa":31,"tfa":201,"net_tfa":201,"tfa_he":1001,"tw":1501,"age":34,"inc":16065,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":31,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":13200,"hval":115000,"hmort":102000,"hequity":13000,"nifa":1365,"net_nifa":926,"tfa":14565,"net_tfa":14126,"tfa_he":27126,"tw":38126,"age":29,"inc":50433,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":926,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":3200,"hequity":221800,"nifa":1000,"net_nifa":400,"tfa":1000,"net_tfa":400,"tfa_he":222200,"tw":243704,"age":39,"inc":28425,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50300,"a401":14767,"hval":60000,"hmort":0,"hequity":60000,"nifa":12749,"net_nifa":8749,"tfa":77816,"net_tfa":73816,"tfa_he":133816,"tw":134816,"age":45,"inc":77697,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":59049,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4800,"a401":42000,"hval":200000,"hmort":125000,"hequity":75000,"nifa":3048,"net_nifa":-14952,"tfa":49848,"net_tfa":31848,"tfa_he":106848,"tw":182348,"age":38,"inc":57480,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-10152,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":549,"net_nifa":-2251,"tfa":4049,"net_tfa":1249,"tfa_he":1249,"tw":4361,"age":37,"inc":34359,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60444,"net_n401":-251,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":75000,"hmort":55000,"hequity":20000,"nifa":9200,"net_nifa":8500,"tfa":23200,"net_tfa":22500,"tfa_he":42500,"tw":187500,"age":31,"inc":68730,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":8500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":109000,"hmort":58000,"hequity":51000,"nifa":3225,"net_nifa":2425,"tfa":3225,"net_tfa":2425,"tfa_he":53425,"tw":53425,"age":41,"inc":51981,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":2425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":8400,"hval":74000,"hmort":72000,"hequity":2000,"nifa":22199,"net_nifa":22199,"tfa":33399,"net_tfa":33399,"tfa_he":35399,"tw":48399,"age":32,"inc":87540,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":24999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":165000,"hmort":108000,"hequity":57000,"nifa":2499,"net_nifa":-87501,"tfa":2499,"net_tfa":-87501,"tfa_he":-30501,"tw":-28101,"age":58,"inc":72150,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-87501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":55000,"hmort":42000,"hequity":13000,"nifa":821,"net_nifa":821,"tfa":1821,"net_tfa":1821,"tfa_he":14821,"tw":19821,"age":44,"inc":43536,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":821,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":95000,"hmort":68000,"hequity":27000,"nifa":11400,"net_nifa":9400,"tfa":12400,"net_tfa":10400,"tfa_he":37400,"tw":40700,"age":44,"inc":57420,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":9400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":158000,"hmort":150000,"hequity":8000,"nifa":175,"net_nifa":-4825,"tfa":2175,"net_tfa":-2825,"tfa_he":5175,"tw":9975,"age":36,"inc":56880,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":-4825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":72000,"hmort":72000,"hequity":0,"nifa":1100,"net_nifa":-100,"tfa":3100,"net_tfa":1900,"tfa_he":1900,"tw":1900,"age":49,"inc":36642,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":48000,"hequity":24000,"nifa":1662,"net_nifa":-2038,"tfa":1662,"net_tfa":-2038,"tfa_he":21962,"tw":21962,"age":61,"inc":37359,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2038,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":15000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1800,"tfa":15000,"net_tfa":13200,"tfa_he":13200,"tw":13200,"age":53,"inc":23700,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15000,"a401":19400,"hval":130000,"hmort":61700,"hequity":68300,"nifa":7227,"net_nifa":5227,"tfa":41627,"net_tfa":39627,"tfa_he":107927,"tw":114927,"age":39,"inc":45819,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":20227,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50376,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":103355,"net_nifa":103355,"tfa":153731,"net_tfa":153731,"tfa_he":303731,"tw":385955,"age":33,"inc":99699,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":153731,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12371,"a401":0,"hval":75000,"hmort":30000,"hequity":45000,"nifa":13048,"net_nifa":5048,"tfa":25419,"net_tfa":17419,"tfa_he":62419,"tw":62419,"age":49,"inc":45753,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":17419,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":29600,"a401":8000,"hval":93000,"hmort":84000,"hequity":9000,"nifa":4800,"net_nifa":-6700,"tfa":42400,"net_tfa":30900,"tfa_he":39900,"tw":39900,"age":33,"inc":77355,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":22900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":50000,"hval":80000,"hmort":0,"hequity":80000,"nifa":19999,"net_nifa":19999,"tfa":73999,"net_tfa":73999,"tfa_he":153999,"tw":163674,"age":61,"inc":31017,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.61749,"net_n401":23999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":50000,"hmort":25000,"hequity":25000,"nifa":9000,"net_nifa":8520,"tfa":9000,"net_tfa":8520,"tfa_he":33520,"tw":52720,"age":46,"inc":47655,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":8520,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":600,"hval":75000,"hmort":0,"hequity":75000,"nifa":63300,"net_nifa":63300,"tfa":83900,"net_tfa":83900,"tfa_he":158900,"tw":181138,"age":48,"inc":92991,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":83300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":30000,"hval":125000,"hmort":108000,"hequity":17000,"nifa":70300,"net_nifa":70150,"tfa":105300,"net_tfa":105150,"tfa_he":122150,"tw":122150,"age":33,"inc":73308,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":75150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":26000,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":499,"tfa":26499,"net_tfa":26499,"tfa_he":26499,"tw":33174,"age":49,"inc":7209,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":499,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7800,"a401":11000,"hval":95000,"hmort":84000,"hequity":11000,"nifa":15000,"net_nifa":15000,"tfa":33800,"net_tfa":33800,"tfa_he":44800,"tw":56800,"age":29,"inc":96180,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":22800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":4500,"a401":5000,"hval":100000,"hmort":69500,"hequity":30500,"nifa":18500,"net_nifa":18500,"tfa":33000,"net_tfa":33000,"tfa_he":63500,"tw":69500,"age":35,"inc":47250,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":23000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":30000,"hequity":75000,"nifa":0,"net_nifa":-2200,"tfa":0,"net_tfa":-2200,"tfa_he":72800,"tw":72800,"age":37,"inc":28443,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":0,"hmort":0,"hequity":0,"nifa":987,"net_nifa":-5013,"tfa":1067,"net_tfa":-4933,"tfa_he":-4933,"tw":-3733,"age":27,"inc":40647,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-5013,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":50000,"hmort":33000,"hequity":17000,"nifa":12000,"net_nifa":9000,"tfa":18000,"net_tfa":15000,"tfa_he":32000,"tw":52000,"age":37,"inc":94980,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6500,"tfa":8500,"net_tfa":8500,"tfa_he":8500,"tw":9000,"age":52,"inc":19638,"fsize":1,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":6500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":300000,"hmort":38000,"hequity":262000,"nifa":2899,"net_nifa":2899,"tfa":22899,"net_tfa":22899,"tfa_he":284899,"tw":284899,"age":41,"inc":49134,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":0,"hmort":0,"hequity":0,"nifa":1249,"net_nifa":349,"tfa":1949,"net_tfa":1049,"tfa_he":1049,"tw":4399,"age":29,"inc":23409,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":349,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2094,"hval":60000,"hmort":59000,"hequity":1000,"nifa":500,"net_nifa":-4700,"tfa":2594,"net_tfa":-2606,"tfa_he":-1606,"tw":-1606,"age":47,"inc":36222,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13000,"hval":112000,"hmort":87000,"hequity":25000,"nifa":5000,"net_nifa":5000,"tfa":18000,"net_tfa":18000,"tfa_he":43000,"tw":43500,"age":34,"inc":33084,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":40250,"a401":5405,"hval":86000,"hmort":50000,"hequity":36000,"nifa":5700,"net_nifa":4700,"tfa":51355,"net_tfa":50355,"tfa_he":86355,"tw":86355,"age":40,"inc":49095,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":44950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":60000,"hmort":23000,"hequity":37000,"nifa":18,"net_nifa":-4097,"tfa":2518,"net_tfa":-1597,"tfa_he":35403,"tw":38903,"age":39,"inc":32139,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-4097,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11700,"a401":13866,"hval":34000,"hmort":32900,"hequity":1100,"nifa":2000,"net_nifa":-1000,"tfa":27566,"net_tfa":24566,"tfa_he":25666,"tw":30447,"age":38,"inc":47316,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":80000,"a401":2339,"hval":125000,"hmort":35000,"hequity":90000,"nifa":26020,"net_nifa":26020,"tfa":108359,"net_tfa":108359,"tfa_he":198359,"tw":248359,"age":53,"inc":70923,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":106020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2500,"a401":28000,"hval":170000,"hmort":50000,"hequity":120000,"nifa":52800,"net_nifa":52165,"tfa":83300,"net_tfa":82665,"tfa_he":202665,"tw":202665,"age":34,"inc":91209,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":54665,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":73000,"hmort":64000,"hequity":9000,"nifa":9948,"net_nifa":9448,"tfa":24948,"net_tfa":24448,"tfa_he":33448,"tw":33448,"age":31,"inc":58323,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":9448,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":1280,"net_nifa":280,"tfa":8280,"net_tfa":7280,"tfa_he":7280,"tw":12480,"age":38,"inc":30510,"fsize":2,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":280,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":157,"hval":80000,"hmort":65000,"hequity":15000,"nifa":28800,"net_nifa":28300,"tfa":28957,"net_tfa":28457,"tfa_he":43457,"tw":57457,"age":48,"inc":50781,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":6000,"hval":85000,"hmort":62000,"hequity":23000,"nifa":21999,"net_nifa":21199,"tfa":31999,"net_tfa":31199,"tfa_he":54199,"tw":75199,"age":36,"inc":95823,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":25199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":35000,"hval":30000,"hmort":30000,"hequity":0,"nifa":42490,"net_nifa":22110,"tfa":78490,"net_tfa":58110,"tfa_he":58110,"tw":57735,"age":53,"inc":63630,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":23110,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":80000,"hequity":95000,"nifa":21549,"net_nifa":21549,"tfa":21549,"net_tfa":21549,"tfa_he":116549,"tw":125605,"age":34,"inc":83496,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":21549,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50000,"a401":1500,"hval":140000,"hmort":50000,"hequity":90000,"nifa":10399,"net_nifa":10199,"tfa":61899,"net_tfa":61699,"tfa_he":151699,"tw":151699,"age":35,"inc":30558,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.54491,"net_n401":60199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":32000,"hmort":0,"hequity":32000,"nifa":2174,"net_nifa":2174,"tfa":8174,"net_tfa":8174,"tfa_he":40174,"tw":111174,"age":47,"inc":31890,"fsize":4,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":2174,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":19749,"hval":86000,"hmort":68000,"hequity":18000,"nifa":10735,"net_nifa":2735,"tfa":30484,"net_tfa":22484,"tfa_he":40484,"tw":40484,"age":36,"inc":39627,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":2735,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":42000,"hequity":158000,"nifa":34999,"net_nifa":34999,"tfa":34999,"net_tfa":34999,"tfa_he":192999,"tw":192999,"age":38,"inc":14850,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":34999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":25000,"hval":40000,"hmort":0,"hequity":40000,"nifa":50700,"net_nifa":50700,"tfa":100700,"net_tfa":100700,"tfa_he":140700,"tw":164700,"age":54,"inc":47646,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":75700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":298,"net_nifa":-5702,"tfa":298,"net_tfa":-5702,"tfa_he":-5702,"tw":-5702,"age":40,"inc":38922,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-5702,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":8395,"hval":67000,"hmort":38000,"hequity":29000,"nifa":28450,"net_nifa":28450,"tfa":66845,"net_tfa":66845,"tfa_he":95845,"tw":101345,"age":58,"inc":56958,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.78569,"net_n401":58450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10400,"a401":0,"hval":290000,"hmort":70000,"hequity":220000,"nifa":98999,"net_nifa":98999,"tfa":109399,"net_tfa":109399,"tfa_he":329399,"tw":331899,"age":35,"inc":99480,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":109399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":25000,"hmort":0,"hequity":25000,"nifa":550,"net_nifa":550,"tfa":1850,"net_tfa":1850,"tfa_he":26850,"tw":30183,"age":34,"inc":19044,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":550,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":175,"net_nifa":-275,"tfa":2675,"net_tfa":2225,"tfa_he":2225,"tw":5725,"age":32,"inc":20901,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-275,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":21000,"hval":60000,"hmort":49000,"hequity":11000,"nifa":4500,"net_nifa":3860,"tfa":55500,"net_tfa":54860,"tfa_he":65860,"tw":65860,"age":40,"inc":65346,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":8860,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":400,"hval":225000,"hmort":58000,"hequity":167000,"nifa":103000,"net_nifa":100200,"tfa":111400,"net_tfa":108600,"tfa_he":275600,"tw":275600,"age":43,"inc":47796,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":108200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":0,"hequity":55000,"nifa":14200,"net_nifa":14200,"tfa":14200,"net_tfa":14200,"tfa_he":69200,"tw":73200,"age":64,"inc":49167,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":14200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2511,"hval":5000,"hmort":0,"hequity":5000,"nifa":0,"net_nifa":-1500,"tfa":2511,"net_tfa":1011,"tfa_he":6011,"tw":6011,"age":31,"inc":18171,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3325,"net_nifa":1606,"tfa":3325,"net_tfa":1606,"tfa_he":1606,"tw":4681,"age":31,"inc":23367,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":1606,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5180,"hval":102000,"hmort":21000,"hequity":81000,"nifa":14471,"net_nifa":11869,"tfa":19651,"net_tfa":17049,"tfa_he":98049,"tw":106549,"age":51,"inc":70092,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":11869,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2300,"hval":80000,"hmort":78000,"hequity":2000,"nifa":6000,"net_nifa":4125,"tfa":8300,"net_tfa":6425,"tfa_he":8425,"tw":15825,"age":47,"inc":58548,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":4125,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":600,"tfa":800,"net_tfa":600,"tfa_he":600,"tw":600,"age":48,"inc":19152,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":2700,"net_nifa":2550,"tfa":23700,"net_tfa":23550,"tfa_he":23550,"tw":134550,"age":39,"inc":44040,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":19550,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72000,"hmort":58800,"hequity":13200,"nifa":2200,"net_nifa":-5250,"tfa":2200,"net_tfa":-5250,"tfa_he":7950,"tw":18200,"age":31,"inc":28272,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-5250,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":1782,"net_nifa":1782,"tfa":2182,"net_tfa":2182,"tfa_he":2182,"tw":2682,"age":30,"inc":20964,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":1782,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":2000,"hval":80000,"hmort":44000,"hequity":36000,"nifa":6800,"net_nifa":6800,"tfa":9300,"net_tfa":9300,"tfa_he":45300,"tw":52300,"age":25,"inc":65049,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":22349,"a401":72000,"hval":85000,"hmort":0,"hequity":85000,"nifa":6120,"net_nifa":6120,"tfa":100469,"net_tfa":100469,"tfa_he":185469,"tw":185469,"age":61,"inc":37380,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":28469,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1300,"a401":0,"hval":70000,"hmort":45000,"hequity":25000,"nifa":29300,"net_nifa":28700,"tfa":30600,"net_tfa":30000,"tfa_he":55000,"tw":57000,"age":44,"inc":39786,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":30000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-2500,"tfa":1900,"net_tfa":-1200,"tfa_he":-1200,"tw":1900,"age":41,"inc":19596,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2500,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":30000,"hmort":0,"hequity":30000,"nifa":2500,"net_nifa":1500,"tfa":3500,"net_tfa":2500,"tfa_he":32500,"tw":46500,"age":42,"inc":27990,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":8900,"net_nifa":4000,"tfa":8900,"net_tfa":4000,"tfa_he":154000,"tw":207500,"age":45,"inc":120069,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":145000,"hmort":135000,"hequity":10000,"nifa":5,"net_nifa":-14995,"tfa":5,"net_tfa":-14995,"tfa_he":-4995,"tw":4005,"age":33,"inc":71100,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-14995,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3600,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":23400,"net_nifa":13400,"tfa":27000,"net_tfa":17000,"tfa_he":17000,"tw":17000,"age":53,"inc":68196,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":17000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":500,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":1500,"tfa":2500,"net_tfa":2000,"tfa_he":2000,"tw":4000,"age":36,"inc":30450,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60444,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2350,"net_nifa":1700,"tfa":2350,"net_tfa":1700,"tfa_he":1700,"tw":4025,"age":35,"inc":23064,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":1700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":0,"hval":135000,"hmort":100000,"hequity":35000,"nifa":2199,"net_nifa":-2801,"tfa":4699,"net_tfa":-301,"tfa_he":34699,"tw":34699,"age":29,"inc":57096,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":-301,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":150000,"hmort":22000,"hequity":128000,"nifa":131300,"net_nifa":126500,"tfa":211300,"net_tfa":206500,"tfa_he":334500,"tw":337000,"age":49,"inc":77244,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":126500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":298,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-1350,"tfa":348,"net_tfa":-1052,"tfa_he":-1052,"tw":10127,"age":52,"inc":23640,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":60000,"hval":120000,"hmort":7600,"hequity":112400,"nifa":7407,"net_nifa":2707,"tfa":67407,"net_tfa":62707,"tfa_he":175107,"tw":180607,"age":45,"inc":55446,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2707,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":92000,"hmort":65000,"hequity":27000,"nifa":17100,"net_nifa":15200,"tfa":17100,"net_tfa":15200,"tfa_he":42200,"tw":85200,"age":62,"inc":50304,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":15200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":45000,"hval":175000,"hmort":0,"hequity":175000,"nifa":3275,"net_nifa":-2725,"tfa":50275,"net_tfa":44275,"tfa_he":219275,"tw":219275,"age":59,"inc":55020,"fsize":3,"educ":6,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.53365,"net_n401":-725,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-6150,"tfa":250,"net_tfa":-6150,"tfa_he":-6150,"tw":-5002,"age":53,"inc":22215,"fsize":1,"educ":6,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.53157,"net_n401":-6150,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":9999,"net_nifa":5999,"tfa":9999,"net_tfa":5999,"tfa_he":125999,"tw":125999,"age":56,"inc":54582,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":5999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":35000,"hmort":28000,"hequity":7000,"nifa":100,"net_nifa":-7400,"tfa":100,"net_tfa":-7400,"tfa_he":-400,"tw":-400,"age":34,"inc":26598,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-7400,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":40000,"hmort":18000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":600,"net_tfa":600,"tfa_he":22600,"tw":22600,"age":25,"inc":25200,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":260000,"hmort":150000,"hequity":110000,"nifa":2000,"net_nifa":-250,"tfa":52000,"net_tfa":49750,"tfa_he":159750,"tw":159750,"age":46,"inc":58611,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":500,"a401":283,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":1183,"net_tfa":1183,"tfa_he":1183,"tw":4201,"age":28,"inc":15159,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":900,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":52,"hval":0,"hmort":0,"hequity":0,"nifa":40,"net_nifa":-118,"tfa":92,"net_tfa":-66,"tfa_he":-66,"tw":934,"age":32,"inc":22881,"fsize":4,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-118,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":36000,"a401":17000,"hval":100000,"hmort":0,"hequity":100000,"nifa":35000,"net_nifa":34750,"tfa":88000,"net_tfa":87750,"tfa_he":187750,"tw":187750,"age":53,"inc":73350,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":70750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":299,"net_nifa":-701,"tfa":7299,"net_tfa":6299,"tfa_he":6299,"tw":10930,"age":34,"inc":32226,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-701,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":599,"net_nifa":-4401,"tfa":599,"net_tfa":-4401,"tfa_he":-4401,"tw":32124,"age":40,"inc":43536,"fsize":3,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":-4401,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4250,"hval":0,"hmort":0,"hequity":0,"nifa":13300,"net_nifa":2280,"tfa":17550,"net_tfa":6530,"tfa_he":6530,"tw":15030,"age":32,"inc":33498,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":2280,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":420,"net_nifa":-1580,"tfa":420,"net_tfa":-1580,"tfa_he":-1580,"tw":920,"age":41,"inc":14679,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":-1580,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":80000,"hmort":40000,"hequity":40000,"nifa":1000,"net_nifa":-1000,"tfa":1530,"net_tfa":-470,"tfa_he":39530,"tw":44155,"age":27,"inc":27966,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14693,"a401":0,"hval":150000,"hmort":35000,"hequity":115000,"nifa":11892,"net_nifa":1892,"tfa":26585,"net_tfa":16585,"tfa_he":131585,"tw":134585,"age":42,"inc":74646,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":16585,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":81250,"hequity":108750,"nifa":1991,"net_nifa":1586,"tfa":1991,"net_tfa":1586,"tfa_he":110336,"tw":199336,"age":53,"inc":55944,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1586,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2165,"hval":21000,"hmort":8000,"hequity":13000,"nifa":600,"net_nifa":-900,"tfa":2765,"net_tfa":1265,"tfa_he":14265,"tw":25627,"age":40,"inc":33993,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-900,"tfa":4300,"net_tfa":3400,"tfa_he":3400,"tw":3400,"age":34,"inc":33270,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7500,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":7500,"net_tfa":7500,"tfa_he":7500,"tw":8000,"age":40,"inc":15387,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":75000,"hmort":42000,"hequity":33000,"nifa":25000,"net_nifa":25000,"tfa":26800,"net_tfa":26800,"tfa_he":59800,"tw":63525,"age":31,"inc":29061,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":25000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":26000,"a401":90000,"hval":170000,"hmort":100000,"hequity":70000,"nifa":13000,"net_nifa":12950,"tfa":129000,"net_tfa":128950,"tfa_he":198950,"tw":201950,"age":49,"inc":97365,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":38950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17600,"hval":80000,"hmort":20500,"hequity":59500,"nifa":27000,"net_nifa":27000,"tfa":44600,"net_tfa":44600,"tfa_he":104100,"tw":110100,"age":46,"inc":24906,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":27000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":60000,"hequity":25000,"nifa":100,"net_nifa":-1900,"tfa":100,"net_tfa":-1900,"tfa_he":23100,"tw":27900,"age":37,"inc":23802,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":42000,"hval":30000,"hmort":8700,"hequity":21300,"nifa":0,"net_nifa":0,"tfa":42000,"net_tfa":42000,"tfa_he":63300,"tw":63300,"age":36,"inc":21300,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":850,"hval":0,"hmort":0,"hequity":0,"nifa":6000,"net_nifa":5600,"tfa":6850,"net_tfa":6450,"tfa_he":6450,"tw":22450,"age":36,"inc":22548,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":5600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":65000,"hmort":0,"hequity":65000,"nifa":4999,"net_nifa":4999,"tfa":7299,"net_tfa":7299,"tfa_he":72299,"tw":72929,"age":40,"inc":37020,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":50000,"hmort":20000,"hequity":30000,"nifa":200,"net_nifa":100,"tfa":6200,"net_tfa":6100,"tfa_he":36100,"tw":43100,"age":56,"inc":26100,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-7850,"tfa":100,"net_tfa":-7850,"tfa_he":-7850,"tw":-7850,"age":48,"inc":27000,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-7850,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":1499,"net_nifa":1499,"tfa":51499,"net_tfa":51499,"tfa_he":151499,"tw":278937,"age":61,"inc":28080,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":51499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":80,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-2880,"tfa":100,"net_tfa":-2800,"tfa_he":-2800,"tw":-2800,"age":37,"inc":37491,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-2880,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":19200,"a401":40000,"hval":145000,"hmort":140000,"hequity":5000,"nifa":450,"net_nifa":-350,"tfa":59650,"net_tfa":58850,"tfa_he":63850,"tw":63850,"age":30,"inc":56757,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":18850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":800,"hval":78000,"hmort":72500,"hequity":5500,"nifa":60550,"net_nifa":60200,"tfa":61350,"net_tfa":61000,"tfa_he":66500,"tw":85000,"age":32,"inc":59667,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":60200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":51000,"hval":220000,"hmort":150000,"hequity":70000,"nifa":2498,"net_nifa":2498,"tfa":70498,"net_tfa":70498,"tfa_he":140498,"tw":140498,"age":42,"inc":63333,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":19498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":369,"hval":150000,"hmort":0,"hequity":150000,"nifa":500,"net_nifa":500,"tfa":869,"net_tfa":869,"tfa_he":150869,"tw":150869,"age":38,"inc":44430,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":32000,"hmort":23500,"hequity":8500,"nifa":299,"net_nifa":-2801,"tfa":299,"net_tfa":-2801,"tfa_he":5699,"tw":5699,"age":36,"inc":33270,"fsize":8,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-2801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":98000,"hmort":88000,"hequity":10000,"nifa":7150,"net_nifa":7150,"tfa":32150,"net_tfa":32150,"tfa_he":42150,"tw":50650,"age":26,"inc":51480,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":7150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10220,"a401":4786,"hval":34000,"hmort":0,"hequity":34000,"nifa":2900,"net_nifa":-1300,"tfa":17906,"net_tfa":13706,"tfa_he":47706,"tw":51584,"age":43,"inc":39132,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":8920,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":0,"hmort":0,"hequity":0,"nifa":16536,"net_nifa":13536,"tfa":34536,"net_tfa":31536,"tfa_he":31536,"tw":31536,"age":34,"inc":34698,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":13536,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":13000,"net_nifa":13000,"tfa":15000,"net_tfa":15000,"tfa_he":15000,"tw":46800,"age":46,"inc":31719,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":15000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-5600,"tfa":1200,"net_tfa":-5600,"tfa_he":-5600,"tw":-5600,"age":45,"inc":55986,"fsize":6,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.50001,"net_n401":-5600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":28160,"hval":300000,"hmort":150000,"hequity":150000,"nifa":400,"net_nifa":-800,"tfa":28560,"net_tfa":27360,"tfa_he":177360,"tw":177360,"age":42,"inc":51000,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":20000,"hval":300000,"hmort":25000,"hequity":275000,"nifa":51582,"net_nifa":46582,"tfa":91582,"net_tfa":86582,"tfa_he":361582,"tw":511582,"age":60,"inc":110316,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":66582,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":70000,"hmort":25000,"hequity":45000,"nifa":1400,"net_nifa":-100,"tfa":2400,"net_tfa":900,"tfa_he":45900,"tw":51525,"age":44,"inc":14592,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":50900,"hmort":50900,"hequity":0,"nifa":1016,"net_nifa":-3034,"tfa":3016,"net_tfa":-1034,"tfa_he":-1034,"tw":2466,"age":35,"inc":39915,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-3034,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":83,"hval":72000,"hmort":7200,"hequity":64800,"nifa":7075,"net_nifa":75,"tfa":7158,"net_tfa":158,"tfa_he":64958,"tw":70958,"age":42,"inc":43707,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":75,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1600,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":-1000,"tfa":5600,"net_tfa":600,"tfa_he":600,"tw":6975,"age":30,"inc":24210,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1800,"tfa":0,"net_tfa":-1800,"tfa_he":-1800,"tw":-800,"age":48,"inc":16680,"fsize":1,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-1800,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":600,"a401":787,"hval":130000,"hmort":45000,"hequity":85000,"nifa":10500,"net_nifa":10500,"tfa":11887,"net_tfa":11887,"tfa_he":96887,"tw":96887,"age":45,"inc":71118,"fsize":12,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":11100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2900,"hval":83000,"hmort":73000,"hequity":10000,"nifa":1200,"net_nifa":-8800,"tfa":4100,"net_tfa":-5900,"tfa_he":4100,"tw":4100,"age":29,"inc":41886,"fsize":2,"educ":1,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":-8800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-5900,"tfa":0,"net_tfa":-5900,"tfa_he":-5900,"tw":194100,"age":47,"inc":40800,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.30552,"net_n401":-5900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7500,"a401":200,"hval":200000,"hmort":40000,"hequity":160000,"nifa":10175,"net_nifa":9075,"tfa":17875,"net_tfa":16775,"tfa_he":176775,"tw":176775,"age":36,"inc":34140,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":16575,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":45000,"hmort":35000,"hequity":10000,"nifa":3349,"net_nifa":-2651,"tfa":18349,"net_tfa":12349,"tfa_he":22349,"tw":22349,"age":45,"inc":54327,"fsize":8,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2651,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":650,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-960,"tfa":650,"net_tfa":-310,"tfa_he":-310,"tw":-310,"age":31,"inc":29637,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-960,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":24500,"a401":4304,"hval":100000,"hmort":0,"hequity":100000,"nifa":6499,"net_nifa":6499,"tfa":35303,"net_tfa":35303,"tfa_he":135303,"tw":159528,"age":54,"inc":33705,"fsize":2,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.36693,"net_n401":30999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":35000,"hval":78000,"hmort":55000,"hequity":23000,"nifa":16774,"net_nifa":11674,"tfa":71774,"net_tfa":66674,"tfa_he":89674,"tw":89674,"age":37,"inc":35328,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":31674,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-2950,"tfa":750,"net_tfa":-2250,"tfa_he":-2250,"tw":-50,"age":31,"inc":19506,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-2950,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":3000,"net_nifa":-3000,"tfa":10000,"net_tfa":4000,"tfa_he":154000,"tw":154000,"age":49,"inc":120420,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7090,"a401":64000,"hval":78000,"hmort":46000,"hequity":32000,"nifa":600,"net_nifa":-15400,"tfa":71690,"net_tfa":55690,"tfa_he":87690,"tw":95690,"age":51,"inc":67431,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":-8310,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":79000,"hmort":20000,"hequity":59000,"nifa":1950,"net_nifa":-2850,"tfa":1950,"net_tfa":-2850,"tfa_he":56150,"tw":67150,"age":59,"inc":18894,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-2850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-160,"tfa":400,"net_tfa":240,"tfa_he":240,"tw":240,"age":31,"inc":28410,"fsize":11,"educ":7,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-160,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4200,"tfa":0,"net_tfa":-4200,"tfa_he":-4200,"tw":2543,"age":44,"inc":21120,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-4200,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":5801,"hval":6762,"hmort":0,"hequity":6762,"nifa":115862,"net_nifa":115862,"tfa":131663,"net_tfa":131663,"tfa_he":138425,"tw":141775,"age":61,"inc":38076,"fsize":2,"educ":11,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.61749,"net_n401":125862,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":12500,"a401":31000,"hval":140000,"hmort":70000,"hequity":70000,"nifa":5999,"net_nifa":-2501,"tfa":49499,"net_tfa":40999,"tfa_he":110999,"tw":118613,"age":53,"inc":102600,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-5000,"tfa":700,"net_tfa":-5000,"tfa_he":-5000,"tw":-800,"age":34,"inc":22812,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":35400,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":35400,"net_tfa":35400,"tfa_he":35400,"tw":39943,"age":39,"inc":36930,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-300,"tfa":3000,"net_tfa":2200,"tfa_he":2200,"tw":6200,"age":27,"inc":29760,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20929,"net_n401":-300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":0,"tfa":5000,"net_tfa":0,"tfa_he":0,"tw":2000,"age":34,"inc":38640,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2148,"hval":72000,"hmort":62600,"hequity":9400,"nifa":4383,"net_nifa":3433,"tfa":6531,"net_tfa":5581,"tfa_he":14981,"tw":20381,"age":38,"inc":45870,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":3433,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":-14700,"tfa":4100,"net_tfa":-12400,"tfa_he":-12400,"tw":3600,"age":39,"inc":40500,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.52319,"net_n401":-14700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":70000,"hmort":56000,"hequity":14000,"nifa":3199,"net_nifa":-301,"tfa":18199,"net_tfa":14699,"tfa_he":28699,"tw":35688,"age":26,"inc":28950,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-301,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-400,"tfa":100,"net_tfa":-400,"tfa_he":-400,"tw":-400,"age":53,"inc":31386,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":-400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":11500,"a401":6000,"hval":57500,"hmort":43500,"hequity":14000,"nifa":7569,"net_nifa":6469,"tfa":25069,"net_tfa":23969,"tfa_he":37969,"tw":46469,"age":35,"inc":55125,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":17969,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":38000,"hequity":7000,"nifa":468,"net_nifa":-15532,"tfa":468,"net_tfa":-15532,"tfa_he":-8532,"tw":-2936,"age":37,"inc":41763,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-15532,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":110000,"hmort":10000,"hequity":100000,"nifa":199,"net_nifa":-8051,"tfa":2199,"net_tfa":-6051,"tfa_he":93949,"tw":96649,"age":45,"inc":25353,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-8051,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":61000,"hequity":139000,"nifa":3000,"net_nifa":3000,"tfa":3000,"net_tfa":3000,"tfa_he":142000,"tw":144000,"age":42,"inc":51900,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":2500,"tfa":7500,"net_tfa":7500,"tfa_he":7500,"tw":43500,"age":35,"inc":33690,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":2500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":0,"hequity":175000,"nifa":3300,"net_nifa":3300,"tfa":3300,"net_tfa":3300,"tfa_he":178300,"tw":180800,"age":43,"inc":41148,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":46000,"hequity":24000,"nifa":7504,"net_nifa":7504,"tfa":7504,"net_tfa":7504,"tfa_he":31504,"tw":38504,"age":44,"inc":38835,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":7504,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":7800,"hequity":32200,"nifa":850,"net_nifa":-4408,"tfa":850,"net_tfa":-4408,"tfa_he":27792,"tw":35125,"age":38,"inc":29391,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-4408,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8000,"a401":24000,"hval":77000,"hmort":60000,"hequity":17000,"nifa":7499,"net_nifa":6399,"tfa":39499,"net_tfa":38399,"tfa_he":55399,"tw":61493,"age":43,"inc":48471,"fsize":4,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":14399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":13800,"a401":1400,"hval":90000,"hmort":48500,"hequity":41500,"nifa":800,"net_nifa":-1200,"tfa":16000,"net_tfa":14000,"tfa_he":55500,"tw":55500,"age":45,"inc":41814,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":12600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14308,"a401":1094,"hval":70000,"hmort":33000,"hequity":37000,"nifa":100000,"net_nifa":100000,"tfa":115402,"net_tfa":115402,"tfa_he":152402,"tw":157402,"age":52,"inc":46998,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":114308,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":40,"inc":16995,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":51500,"hequity":18500,"nifa":200,"net_nifa":-3500,"tfa":200,"net_tfa":-3500,"tfa_he":15000,"tw":21975,"age":34,"inc":49515,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":-3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":3000,"hval":70000,"hmort":50000,"hequity":20000,"nifa":50740,"net_nifa":50340,"tfa":65740,"net_tfa":65340,"tfa_he":85340,"tw":100340,"age":42,"inc":61800,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":62340,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":90000,"a401":3224,"hval":140000,"hmort":49000,"hequity":91000,"nifa":120626,"net_nifa":119450,"tfa":243850,"net_tfa":242674,"tfa_he":333674,"tw":400674,"age":52,"inc":70872,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":209450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":22000,"a401":80000,"hval":95000,"hmort":18500,"hequity":76500,"nifa":48499,"net_nifa":48499,"tfa":150499,"net_tfa":150499,"tfa_he":226999,"tw":261999,"age":53,"inc":45270,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":70499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":800,"tfa":6200,"net_tfa":5800,"tfa_he":5800,"tw":6100,"age":33,"inc":31857,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5906,"a401":25000,"hval":300000,"hmort":53000,"hequity":247000,"nifa":20562,"net_nifa":14512,"tfa":51468,"net_tfa":45418,"tfa_he":292418,"tw":292418,"age":48,"inc":45702,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":20418,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":18500,"hval":175000,"hmort":29000,"hequity":146000,"nifa":4350,"net_nifa":2750,"tfa":22850,"net_tfa":21250,"tfa_he":167250,"tw":209250,"age":47,"inc":51150,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":2750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13000,"hval":45000,"hmort":28000,"hequity":17000,"nifa":4250,"net_nifa":-450,"tfa":17250,"net_tfa":12550,"tfa_he":29550,"tw":34892,"age":44,"inc":27291,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-450,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":89000,"hmort":75000,"hequity":14000,"nifa":0,"net_nifa":-14000,"tfa":0,"net_tfa":-14000,"tfa_he":0,"tw":69000,"age":32,"inc":44703,"fsize":5,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":2000,"tfa":2000,"net_tfa":2000,"tfa_he":2000,"tw":2000,"age":48,"inc":39321,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":100000,"hmort":20500,"hequity":79500,"nifa":499,"net_nifa":-1001,"tfa":6499,"net_tfa":4999,"tfa_he":84499,"tw":95499,"age":50,"inc":51234,"fsize":2,"educ":9,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.71309,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":475,"hval":0,"hmort":0,"hequity":0,"nifa":975,"net_nifa":741,"tfa":1450,"net_tfa":1216,"tfa_he":1216,"tw":5177,"age":43,"inc":13248,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.42152,"net_n401":741,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3100,"hval":0,"hmort":0,"hequity":0,"nifa":1322,"net_nifa":-78,"tfa":10722,"net_tfa":9322,"tfa_he":9322,"tw":13780,"age":27,"inc":49428,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-78,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5200,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":18012,"net_nifa":16812,"tfa":26212,"net_tfa":25012,"tfa_he":25012,"tw":33187,"age":48,"inc":39246,"fsize":2,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":22012,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":70000,"hequity":30000,"nifa":2499,"net_nifa":-3501,"tfa":2499,"net_tfa":-3501,"tfa_he":26499,"tw":30524,"age":43,"inc":34950,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-3501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3900,"a401":0,"hval":190000,"hmort":62000,"hequity":128000,"nifa":104900,"net_nifa":104900,"tfa":108800,"net_tfa":108800,"tfa_he":236800,"tw":296800,"age":56,"inc":108621,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":108800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":11000,"a401":2300,"hval":65000,"hmort":56000,"hequity":9000,"nifa":8200,"net_nifa":5200,"tfa":21500,"net_tfa":18500,"tfa_he":27500,"tw":42500,"age":35,"inc":60300,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":16200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6500,"hval":132000,"hmort":96000,"hequity":36000,"nifa":33498,"net_nifa":30498,"tfa":39998,"net_tfa":36998,"tfa_he":72998,"tw":77998,"age":37,"inc":78450,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":30498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":55000,"hmort":0,"hequity":55000,"nifa":2200,"net_nifa":250,"tfa":22200,"net_tfa":20250,"tfa_he":75250,"tw":79750,"age":46,"inc":49698,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":530,"hval":24000,"hmort":20000,"hequity":4000,"nifa":349,"net_nifa":-501,"tfa":879,"net_tfa":29,"tfa_he":4029,"tw":8029,"age":30,"inc":17505,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-501,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":37500,"hmort":0,"hequity":37500,"nifa":899,"net_nifa":899,"tfa":50899,"net_tfa":50899,"tfa_he":88399,"tw":88399,"age":61,"inc":18669,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":899,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":81000,"hequity":4000,"nifa":750,"net_nifa":-1450,"tfa":750,"net_tfa":-1450,"tfa_he":2550,"tw":13550,"age":26,"inc":35583,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-1450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":95000,"hmort":60000,"hequity":35000,"nifa":5480,"net_nifa":5380,"tfa":23480,"net_tfa":23380,"tfa_he":58380,"tw":58380,"age":33,"inc":45201,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":5380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":46284,"net_nifa":45884,"tfa":66884,"net_tfa":66484,"tfa_he":66484,"tw":66484,"age":50,"inc":32436,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":65884,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5312,"a401":0,"hval":46000,"hmort":46000,"hequity":0,"nifa":2375,"net_nifa":-6125,"tfa":7687,"net_tfa":-813,"tfa_he":-813,"tw":4687,"age":45,"inc":42534,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":-813,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":203,"a401":15000,"hval":80000,"hmort":50500,"hequity":29500,"nifa":1100,"net_nifa":-80,"tfa":16303,"net_tfa":15123,"tfa_he":44623,"tw":46319,"age":38,"inc":42561,"fsize":9,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":123,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":7500,"hval":200000,"hmort":0,"hequity":200000,"nifa":45749,"net_nifa":45749,"tfa":63249,"net_tfa":63249,"tfa_he":263249,"tw":471949,"age":46,"inc":100011,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43735,"net_n401":55749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24000,"a401":7600,"hval":53000,"hmort":0,"hequity":53000,"nifa":36300,"net_nifa":35500,"tfa":67900,"net_tfa":67100,"tfa_he":120100,"tw":120100,"age":54,"inc":49272,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":59500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":110000,"hequity":70000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":67000,"tw":67000,"age":38,"inc":52236,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":27000,"hmort":22050,"hequity":4950,"nifa":45,"net_nifa":-117,"tfa":45,"net_tfa":-117,"tfa_he":4833,"tw":4833,"age":37,"inc":35175,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-117,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-3000,"tfa":4600,"net_tfa":600,"tfa_he":600,"tw":8975,"age":27,"inc":41256,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32494,"net_n401":500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":90000,"hmort":72000,"hequity":18000,"nifa":15000,"net_nifa":13000,"tfa":29000,"net_tfa":27000,"tfa_he":45000,"tw":55800,"age":31,"inc":58500,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8727,"a401":0,"hval":40000,"hmort":29000,"hequity":11000,"nifa":2739,"net_nifa":539,"tfa":11466,"net_tfa":9266,"tfa_he":20266,"tw":26562,"age":42,"inc":42192,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":9266,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":1400,"net_tfa":1400,"tfa_he":1400,"tw":1400,"age":44,"inc":14496,"fsize":5,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14000,"a401":19200,"hval":225000,"hmort":150000,"hequity":75000,"nifa":111999,"net_nifa":111939,"tfa":145199,"net_tfa":145139,"tfa_he":220139,"tw":220139,"age":47,"inc":86700,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":125939,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":530,"hval":0,"hmort":0,"hequity":0,"nifa":782,"net_nifa":782,"tfa":1312,"net_tfa":1312,"tfa_he":1312,"tw":3812,"age":26,"inc":29344,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":782,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":1000,"hval":140000,"hmort":91000,"hequity":49000,"nifa":11300,"net_nifa":11000,"tfa":23300,"net_tfa":23000,"tfa_he":72000,"tw":72000,"age":38,"inc":66036,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":22000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":965,"hval":65000,"hmort":26000,"hequity":39000,"nifa":400,"net_nifa":-200,"tfa":1365,"net_tfa":765,"tfa_he":39765,"tw":39765,"age":35,"inc":18384,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":-200,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":9500,"a401":4300,"hval":80000,"hmort":49000,"hequity":31000,"nifa":11400,"net_nifa":-1100,"tfa":25200,"net_tfa":12700,"tfa_he":43700,"tw":50800,"age":38,"inc":48996,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":8400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3800,"a401":500,"hval":20000,"hmort":20000,"hequity":0,"nifa":17500,"net_nifa":15500,"tfa":21800,"net_tfa":19800,"tfa_he":19800,"tw":26796,"age":36,"inc":23409,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":19300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":715,"net_nifa":615,"tfa":815,"net_tfa":715,"tfa_he":715,"tw":715,"age":33,"inc":43572,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":615,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4100,"a401":350,"hval":0,"hmort":0,"hequity":0,"nifa":39583,"net_nifa":4896,"tfa":44033,"net_tfa":9346,"tfa_he":9346,"tw":9832,"age":30,"inc":42204,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.34421,"net_n401":8996,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":59000,"hval":300000,"hmort":26500,"hequity":273500,"nifa":23199,"net_nifa":22849,"tfa":82199,"net_tfa":81849,"tfa_he":355349,"tw":355349,"age":59,"inc":67350,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":22849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1600,"hval":100000,"hmort":58000,"hequity":42000,"nifa":1625,"net_nifa":-5075,"tfa":3225,"net_tfa":-3475,"tfa_he":38525,"tw":38525,"age":45,"inc":50070,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5075,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":3400,"net_nifa":3400,"tfa":8400,"net_tfa":8400,"tfa_he":8400,"tw":152400,"age":39,"inc":61377,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":3400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":60000,"a401":0,"hval":120000,"hmort":75600,"hequity":44400,"nifa":3000,"net_nifa":2500,"tfa":63000,"net_tfa":62500,"tfa_he":106900,"tw":166900,"age":61,"inc":48828,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":62500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":98000,"hmort":48000,"hequity":50000,"nifa":5700,"net_nifa":5600,"tfa":9700,"net_tfa":9600,"tfa_he":59600,"tw":62600,"age":34,"inc":45912,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":50000,"hmort":0,"hequity":50000,"nifa":6325,"net_nifa":4825,"tfa":16325,"net_tfa":14825,"tfa_he":64825,"tw":75925,"age":52,"inc":37356,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":4825,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":150000,"hmort":40000,"hequity":110000,"nifa":26000,"net_nifa":26000,"tfa":106000,"net_tfa":106000,"tfa_he":216000,"tw":233175,"age":57,"inc":77280,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5500,"a401":0,"hval":86000,"hmort":76000,"hequity":10000,"nifa":4460,"net_nifa":3520,"tfa":9960,"net_tfa":9020,"tfa_he":19020,"tw":99020,"age":56,"inc":46911,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":9020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":200000,"hmort":100000,"hequity":100000,"nifa":6800,"net_nifa":2000,"tfa":6800,"net_tfa":2000,"tfa_he":102000,"tw":102000,"age":36,"inc":86403,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1450,"net_nifa":-8950,"tfa":1450,"net_tfa":-8950,"tfa_he":-8950,"tw":-8950,"age":29,"inc":49572,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.32432,"net_n401":-8950,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":50000,"hmort":42500,"hequity":7500,"nifa":28847,"net_nifa":28047,"tfa":34847,"net_tfa":34047,"tfa_he":41547,"tw":43547,"age":33,"inc":66939,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":28047,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":290000,"hmort":150000,"hequity":140000,"nifa":5000,"net_nifa":4200,"tfa":35000,"net_tfa":34200,"tfa_he":174200,"tw":181146,"age":46,"inc":100587,"fsize":2,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":50000,"hmort":0,"hequity":50000,"nifa":2550,"net_nifa":1550,"tfa":7550,"net_tfa":6550,"tfa_he":56550,"tw":82050,"age":52,"inc":51570,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":5700,"net_nifa":3700,"tfa":10700,"net_tfa":8700,"tfa_he":8700,"tw":10769,"age":44,"inc":19500,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":3700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":13000,"hval":65000,"hmort":40000,"hequity":25000,"nifa":11000,"net_nifa":11000,"tfa":44000,"net_tfa":44000,"tfa_he":69000,"tw":90500,"age":50,"inc":52110,"fsize":2,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":31000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":2398,"net_nifa":2398,"tfa":22398,"net_tfa":22398,"tfa_he":82398,"tw":82398,"age":57,"inc":46236,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":22398,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4500,"hval":190000,"hmort":0,"hequity":190000,"nifa":999,"net_nifa":559,"tfa":5499,"net_tfa":5059,"tfa_he":195059,"tw":201002,"age":45,"inc":36060,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":559,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1349,"net_nifa":-3651,"tfa":1349,"net_tfa":-3651,"tfa_he":-3651,"tw":-301,"age":40,"inc":27915,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-3651,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":33000,"hval":120000,"hmort":40000,"hequity":80000,"nifa":2960,"net_nifa":2860,"tfa":35960,"net_tfa":35860,"tfa_he":115860,"tw":116860,"age":36,"inc":48135,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":2860,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":61000,"a401":8500,"hval":125000,"hmort":70500,"hequity":54500,"nifa":33200,"net_nifa":31200,"tfa":102700,"net_tfa":100700,"tfa_he":155200,"tw":270200,"age":52,"inc":58500,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":92200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":200000,"hmort":55000,"hequity":145000,"nifa":14199,"net_nifa":12199,"tfa":26199,"net_tfa":24199,"tfa_he":169199,"tw":209199,"age":46,"inc":54729,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":12199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":15000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":50000,"net_nifa":50000,"tfa":69000,"net_tfa":69000,"tfa_he":219000,"tw":224000,"age":34,"inc":107940,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":54000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":280000,"hmort":104000,"hequity":176000,"nifa":16300,"net_nifa":12500,"tfa":30300,"net_tfa":26500,"tfa_he":202500,"tw":202500,"age":37,"inc":106068,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":12500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":62200,"hequity":117800,"nifa":1530,"net_nifa":1256,"tfa":1530,"net_tfa":1256,"tfa_he":119056,"tw":119566,"age":47,"inc":30645,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":1256,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":210000,"hmort":42000,"hequity":168000,"nifa":4999,"net_nifa":-7001,"tfa":4999,"net_tfa":-7001,"tfa_he":160999,"tw":160999,"age":45,"inc":72300,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-7001,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":44000,"a401":20000,"hval":140000,"hmort":98000,"hequity":42000,"nifa":193600,"net_nifa":193600,"tfa":257600,"net_tfa":257600,"tfa_he":299600,"tw":484600,"age":60,"inc":71028,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":237600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-48600,"tfa":400,"net_tfa":-48600,"tfa_he":-48600,"tw":-40100,"age":35,"inc":51384,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-48600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":39500,"hequity":16500,"nifa":28500,"net_nifa":22450,"tfa":28500,"net_tfa":22450,"tfa_he":38950,"tw":45450,"age":31,"inc":58173,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":22450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":130000,"hmort":96000,"hequity":34000,"nifa":5000,"net_nifa":4000,"tfa":85000,"net_tfa":84000,"tfa_he":118000,"tw":118000,"age":39,"inc":83250,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":29000,"hequity":31000,"nifa":1500,"net_nifa":1500,"tfa":1500,"net_tfa":1500,"tfa_he":32500,"tw":32500,"age":33,"inc":35535,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":675,"net_nifa":-5325,"tfa":675,"net_tfa":-5325,"tfa_he":-5325,"tw":-2075,"age":48,"inc":22650,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-5325,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":700,"tfa":9000,"net_tfa":8700,"tfa_he":8700,"tw":13000,"age":26,"inc":43230,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":57000,"hmort":57000,"hequity":0,"nifa":5600,"net_nifa":5100,"tfa":15600,"net_tfa":15100,"tfa_he":15100,"tw":15100,"age":40,"inc":74220,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3000,"a401":0,"hval":150000,"hmort":30000,"hequity":120000,"nifa":1060,"net_nifa":-940,"tfa":4060,"net_tfa":2060,"tfa_he":122060,"tw":128060,"age":41,"inc":34794,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":2060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1850,"hval":98000,"hmort":77400,"hequity":20600,"nifa":2162,"net_nifa":1355,"tfa":4012,"net_tfa":3205,"tfa_he":23805,"tw":27305,"age":29,"inc":44226,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":1355,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-200,"tfa":1200,"net_tfa":1000,"tfa_he":1000,"tw":1500,"age":36,"inc":12156,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.10579,"net_n401":400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":10000,"hval":70000,"hmort":65000,"hequity":5000,"nifa":800,"net_nifa":-7500,"tfa":15800,"net_tfa":7500,"tfa_he":12500,"tw":30500,"age":37,"inc":38208,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":-2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3800,"hval":0,"hmort":0,"hequity":0,"nifa":4813,"net_nifa":2713,"tfa":8613,"net_tfa":6513,"tfa_he":6513,"tw":6513,"age":34,"inc":26865,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":2713,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8411,"a401":500,"hval":180000,"hmort":0,"hequity":180000,"nifa":2249,"net_nifa":249,"tfa":11160,"net_tfa":9160,"tfa_he":189160,"tw":189160,"age":60,"inc":30735,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":8660,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":90000,"hmort":28000,"hequity":62000,"nifa":21330,"net_nifa":18930,"tfa":21330,"net_tfa":18930,"tfa_he":80930,"tw":136930,"age":43,"inc":28080,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":18930,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":55000,"hmort":49000,"hequity":6000,"nifa":899,"net_nifa":899,"tfa":4899,"net_tfa":4899,"tfa_he":10899,"tw":23899,"age":27,"inc":36201,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":12000,"a401":30000,"hval":100000,"hmort":65000,"hequity":35000,"nifa":1500,"net_nifa":1500,"tfa":43500,"net_tfa":43500,"tfa_he":78500,"tw":113500,"age":44,"inc":46890,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":13500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13866,"hval":16000,"hmort":12650,"hequity":3350,"nifa":15252,"net_nifa":13052,"tfa":29118,"net_tfa":26918,"tfa_he":30268,"tw":31468,"age":38,"inc":43599,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":13052,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":33000,"hval":225000,"hmort":147000,"hequity":78000,"nifa":3450,"net_nifa":3450,"tfa":36450,"net_tfa":36450,"tfa_he":114450,"tw":114450,"age":51,"inc":76827,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":3450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":24000,"hmort":28518,"hequity":-4518,"nifa":0,"net_nifa":-420,"tfa":2500,"net_tfa":2080,"tfa_he":-2438,"tw":-888,"age":34,"inc":31983,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-420,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1452,"hval":160000,"hmort":120000,"hequity":40000,"nifa":7200,"net_nifa":6200,"tfa":8652,"net_tfa":7652,"tfa_he":47652,"tw":47652,"age":35,"inc":64983,"fsize":5,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":6200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":21600,"hval":170000,"hmort":115000,"hequity":55000,"nifa":23600,"net_nifa":8600,"tfa":45200,"net_tfa":30200,"tfa_he":85200,"tw":104200,"age":33,"inc":43425,"fsize":5,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":8600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":67000,"net_nifa":66900,"tfa":67000,"net_tfa":66900,"tfa_he":66900,"tw":66900,"age":36,"inc":55200,"fsize":3,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.35984,"net_n401":66900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":78000,"hequity":32000,"nifa":1000,"net_nifa":-200,"tfa":1000,"net_tfa":-200,"tfa_he":31800,"tw":31900,"age":28,"inc":23316,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":110000,"hmort":110000,"hequity":0,"nifa":21680,"net_nifa":20210,"tfa":24680,"net_tfa":23210,"tfa_he":23210,"tw":23210,"age":35,"inc":54963,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":20210,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":178,"hval":0,"hmort":0,"hequity":0,"nifa":32114,"net_nifa":32114,"tfa":32292,"net_tfa":32292,"tfa_he":32292,"tw":152292,"age":32,"inc":79206,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.45726,"net_n401":32114,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":15000,"hequity":50000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":50000,"tw":55242,"age":50,"inc":17280,"fsize":4,"educ":10,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1200,"hval":300000,"hmort":100000,"hequity":200000,"nifa":33999,"net_nifa":33999,"tfa":35199,"net_tfa":35199,"tfa_he":235199,"tw":305199,"age":50,"inc":32805,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":33999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13000,"a401":20000,"hval":245000,"hmort":130000,"hequity":115000,"nifa":20800,"net_nifa":17000,"tfa":53800,"net_tfa":50000,"tfa_he":165000,"tw":227175,"age":51,"inc":69786,"fsize":3,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":30000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":-900,"tfa":7500,"net_tfa":-900,"tfa_he":-900,"tw":44700,"age":42,"inc":32100,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":7000,"hval":165000,"hmort":150000,"hequity":15000,"nifa":17000,"net_nifa":17000,"tfa":30000,"net_tfa":30000,"tfa_he":45000,"tw":45000,"age":34,"inc":146250,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":23000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":105,"hval":0,"hmort":0,"hequity":0,"nifa":140,"net_nifa":-3134,"tfa":245,"net_tfa":-3029,"tfa_he":-3029,"tw":-3029,"age":52,"inc":27711,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-3134,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8000,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-19500,"tfa":12400,"net_tfa":-9100,"tfa_he":-9100,"tw":-100,"age":39,"inc":62184,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":-11500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":32000,"hval":65000,"hmort":40000,"hequity":25000,"nifa":10999,"net_nifa":10999,"tfa":43999,"net_tfa":43999,"tfa_he":68999,"tw":78499,"age":42,"inc":33336,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":11999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":20000,"hequity":10000,"nifa":1049,"net_nifa":-472,"tfa":1049,"net_tfa":-472,"tfa_he":9528,"tw":9278,"age":42,"inc":26370,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":-472,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":64000,"hequity":0,"nifa":79600,"net_nifa":69300,"tfa":79600,"net_tfa":69300,"tfa_he":69300,"tw":70300,"age":58,"inc":54516,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":69300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":13300,"a401":0,"hval":180000,"hmort":26000,"hequity":154000,"nifa":33200,"net_nifa":27960,"tfa":46500,"net_tfa":41260,"tfa_he":195260,"tw":375260,"age":57,"inc":79290,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":41260,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":11880,"hval":127000,"hmort":80000,"hequity":47000,"nifa":27400,"net_nifa":26750,"tfa":43280,"net_tfa":42630,"tfa_he":89630,"tw":118630,"age":42,"inc":60696,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":30750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":1000,"net_tfa":1000,"tfa_he":1000,"tw":1000,"age":40,"inc":14040,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":59150,"hequity":850,"nifa":450,"net_nifa":-6450,"tfa":450,"net_tfa":-6450,"tfa_he":-5600,"tw":-5600,"age":29,"inc":37812,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-6450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":10000,"hequity":40000,"nifa":1200,"net_nifa":-1800,"tfa":1200,"net_tfa":-1800,"tfa_he":38200,"tw":40700,"age":35,"inc":28470,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8431,"hval":150000,"hmort":117000,"hequity":33000,"nifa":35056,"net_nifa":34921,"tfa":43487,"net_tfa":43352,"tfa_he":76352,"tw":87352,"age":49,"inc":47727,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":34921,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2795,"net_nifa":2195,"tfa":2795,"net_tfa":2195,"tfa_he":2195,"tw":2195,"age":51,"inc":23634,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":2195,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3850,"net_nifa":3850,"tfa":3850,"net_tfa":3850,"tfa_he":3850,"tw":4350,"age":29,"inc":17400,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":3850,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":120000,"hmort":61000,"hequity":59000,"nifa":10800,"net_nifa":9800,"tfa":40800,"net_tfa":39800,"tfa_he":98800,"tw":106800,"age":42,"inc":57861,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":9800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":29000,"hval":130000,"hmort":78700,"hequity":51300,"nifa":4000,"net_nifa":4000,"tfa":44000,"net_tfa":44000,"tfa_he":95300,"tw":99300,"age":43,"inc":57180,"fsize":3,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":18950,"net_nifa":16950,"tfa":22950,"net_tfa":20950,"tfa_he":170950,"tw":170950,"age":38,"inc":155967,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":16950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":400,"hval":106000,"hmort":84000,"hequity":22000,"nifa":3550,"net_nifa":3550,"tfa":53950,"net_tfa":53950,"tfa_he":75950,"tw":75950,"age":52,"inc":103563,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":53550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-53,"tfa":5000,"net_tfa":4947,"tfa_he":4947,"tw":4947,"age":41,"inc":40308,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-53,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2648,"hval":0,"hmort":0,"hequity":0,"nifa":9600,"net_nifa":9400,"tfa":12248,"net_tfa":12048,"tfa_he":12048,"tw":13048,"age":48,"inc":17214,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":9400,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":75000,"hequity":105000,"nifa":2700,"net_nifa":-7300,"tfa":2700,"net_tfa":-7300,"tfa_he":97700,"tw":97700,"age":42,"inc":45273,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":200000,"hmort":85000,"hequity":115000,"nifa":40,"net_nifa":-13760,"tfa":2040,"net_tfa":-11760,"tfa_he":103240,"tw":110240,"age":25,"inc":23481,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-13760,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":77000,"hequity":18000,"nifa":1200,"net_nifa":-733,"tfa":1200,"net_tfa":-733,"tfa_he":17267,"tw":17267,"age":55,"inc":17196,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.36232,"net_n401":-733,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":18000,"hequity":2000,"nifa":0,"net_nifa":-2100,"tfa":0,"net_tfa":-2100,"tfa_he":-100,"tw":1900,"age":52,"inc":21675,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":52000,"hmort":49000,"hequity":3000,"nifa":1200,"net_nifa":-1800,"tfa":2200,"net_tfa":-800,"tfa_he":2200,"tw":10161,"age":43,"inc":29373,"fsize":4,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":84100,"hequity":25900,"nifa":35000,"net_nifa":34475,"tfa":35000,"net_tfa":34475,"tfa_he":60375,"tw":60375,"age":34,"inc":61350,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":34475,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10500,"hval":50000,"hmort":38500,"hequity":11500,"nifa":916,"net_nifa":-1584,"tfa":11416,"net_tfa":8916,"tfa_he":20416,"tw":23082,"age":36,"inc":16233,"fsize":3,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":-1584,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5645,"a401":24000,"hval":130000,"hmort":116000,"hequity":14000,"nifa":16617,"net_nifa":16400,"tfa":46262,"net_tfa":46045,"tfa_he":60045,"tw":60045,"age":36,"inc":94245,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":22045,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":8000,"hval":90000,"hmort":50000,"hequity":40000,"nifa":5250,"net_nifa":5240,"tfa":16050,"net_tfa":16040,"tfa_he":56040,"tw":63040,"age":45,"inc":48747,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":8040,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9636,"net_nifa":4636,"tfa":9636,"net_tfa":4636,"tfa_he":4636,"tw":12231,"age":33,"inc":48174,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":4636,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11500,"a401":80000,"hval":65000,"hmort":52000,"hequity":13000,"nifa":249500,"net_nifa":229500,"tfa":341000,"net_tfa":321000,"tfa_he":334000,"tw":334000,"age":61,"inc":103041,"fsize":2,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":241000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":55000,"hmort":55000,"hequity":0,"nifa":700,"net_nifa":-2300,"tfa":700,"net_tfa":-2300,"tfa_he":-2300,"tw":-2300,"age":37,"inc":36384,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":-2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":70000,"hequity":-40000,"nifa":800,"net_nifa":-6700,"tfa":800,"net_tfa":-6700,"tfa_he":-46700,"tw":-34700,"age":44,"inc":55401,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":31000,"a401":0,"hval":198000,"hmort":0,"hequity":198000,"nifa":8799,"net_nifa":8799,"tfa":39799,"net_tfa":39799,"tfa_he":237799,"tw":237799,"age":63,"inc":39039,"fsize":2,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":39799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3200,"a401":25000,"hval":240000,"hmort":150000,"hequity":90000,"nifa":8750,"net_nifa":7250,"tfa":36950,"net_tfa":35450,"tfa_he":125450,"tw":144150,"age":28,"inc":38889,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.36693,"net_n401":10450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":85000,"hequity":5000,"nifa":2999,"net_nifa":2499,"tfa":2999,"net_tfa":2499,"tfa_he":7499,"tw":9624,"age":31,"inc":25311,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":2499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1019,"net_nifa":619,"tfa":1019,"net_tfa":619,"tfa_he":619,"tw":6180,"age":34,"inc":23532,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":619,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":140,"hval":0,"hmort":0,"hequity":0,"nifa":2067,"net_nifa":-408,"tfa":2207,"net_tfa":-268,"tfa_he":-268,"tw":-268,"age":41,"inc":20028,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":-408,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":55000,"hmort":55000,"hequity":0,"nifa":25198,"net_nifa":23998,"tfa":25198,"net_tfa":23998,"tfa_he":23998,"tw":30998,"age":43,"inc":46872,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":23998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":260,"hval":100000,"hmort":17500,"hequity":82500,"nifa":1250,"net_nifa":-550,"tfa":1510,"net_tfa":-290,"tfa_he":82210,"tw":85710,"age":40,"inc":36195,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4300,"hval":130000,"hmort":82000,"hequity":48000,"nifa":6936,"net_nifa":1336,"tfa":11236,"net_tfa":5636,"tfa_he":53636,"tw":60321,"age":43,"inc":62778,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":1336,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24000,"a401":0,"hval":129000,"hmort":0,"hequity":129000,"nifa":36050,"net_nifa":35940,"tfa":60050,"net_tfa":59940,"tfa_he":188940,"tw":193265,"age":64,"inc":15891,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.13209,"net_n401":59940,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":77000,"hval":48300,"hmort":48300,"hequity":0,"nifa":73800,"net_nifa":73640,"tfa":150800,"net_tfa":150640,"tfa_he":150640,"tw":150840,"age":52,"inc":30930,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":73640,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":9248,"net_nifa":-25152,"tfa":11748,"net_tfa":-22652,"tfa_he":-22652,"tw":-18652,"age":41,"inc":50547,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-25152,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2800,"a401":40,"hval":265000,"hmort":102000,"hequity":163000,"nifa":17588,"net_nifa":16488,"tfa":20428,"net_tfa":19328,"tfa_he":182328,"tw":184708,"age":30,"inc":9894,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.1432,"net_n401":19288,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":18600,"hval":80000,"hmort":37000,"hequity":43000,"nifa":100000,"net_nifa":100000,"tfa":148600,"net_tfa":148600,"tfa_he":191600,"tw":206300,"age":48,"inc":54600,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":130000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":33182,"a401":15100,"hval":130000,"hmort":80000,"hequity":50000,"nifa":8523,"net_nifa":8523,"tfa":56805,"net_tfa":56805,"tfa_he":106805,"tw":106805,"age":36,"inc":68019,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":41705,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":30,"inc":19497,"fsize":1,"educ":6,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":51400,"a401":21000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":36275,"net_nifa":25775,"tfa":108675,"net_tfa":98175,"tfa_he":248175,"tw":448175,"age":57,"inc":90525,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.7316,"net_n401":77175,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20700,"net_nifa":20700,"tfa":20700,"net_tfa":20700,"tfa_he":20700,"tw":20700,"age":29,"inc":54690,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":20700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":3300,"net_tfa":3300,"tfa_he":3300,"tw":3800,"age":44,"inc":20646,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":8167,"a401":55000,"hval":300000,"hmort":100000,"hequity":200000,"nifa":11905,"net_nifa":11805,"tfa":75072,"net_tfa":74972,"tfa_he":274972,"tw":341775,"age":41,"inc":86847,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":19972,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":50000,"hmort":22500,"hequity":27500,"nifa":200590,"net_nifa":188590,"tfa":209590,"net_tfa":197590,"tfa_he":225090,"tw":234090,"age":48,"inc":17820,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":188590,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5600,"a401":793,"hval":130000,"hmort":35000,"hequity":95000,"nifa":30549,"net_nifa":30549,"tfa":36942,"net_tfa":36942,"tfa_he":131942,"tw":131942,"age":42,"inc":69081,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":36149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":594,"hval":130000,"hmort":100000,"hequity":30000,"nifa":0,"net_nifa":-5158,"tfa":594,"net_tfa":-4564,"tfa_he":25436,"tw":25436,"age":33,"inc":20196,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-5158,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":45000,"hmort":0,"hequity":45000,"nifa":7000,"net_nifa":7000,"tfa":12000,"net_tfa":12000,"tfa_he":57000,"tw":58000,"age":32,"inc":28740,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":62000,"a401":970,"hval":250000,"hmort":150000,"hequity":100000,"nifa":77100,"net_nifa":76590,"tfa":140070,"net_tfa":139560,"tfa_he":239560,"tw":309560,"age":43,"inc":135114,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":138590,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1200,"a401":6000,"hval":50000,"hmort":30000,"hequity":20000,"nifa":21000,"net_nifa":3000,"tfa":28200,"net_tfa":10200,"tfa_he":30200,"tw":113100,"age":38,"inc":43260,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1040,"a401":15000,"hval":65000,"hmort":41000,"hequity":24000,"nifa":8000,"net_nifa":6400,"tfa":24040,"net_tfa":22440,"tfa_he":46440,"tw":65940,"age":57,"inc":52632,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":7440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3000,"hval":60000,"hmort":40000,"hequity":20000,"nifa":1000,"net_nifa":-3000,"tfa":4000,"net_tfa":0,"tfa_he":20000,"tw":20000,"age":46,"inc":44922,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":65000,"hval":210000,"hmort":136000,"hequity":74000,"nifa":29896,"net_nifa":12396,"tfa":94896,"net_tfa":77396,"tfa_he":151396,"tw":152396,"age":32,"inc":98607,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.42509,"net_n401":12396,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":600,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":1800,"net_nifa":1300,"tfa":8400,"net_tfa":7900,"tfa_he":7900,"tw":12550,"age":27,"inc":37218,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":1900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":122000,"hmort":105000,"hequity":17000,"nifa":609,"net_nifa":-5531,"tfa":1809,"net_tfa":-4331,"tfa_he":12669,"tw":23570,"age":38,"inc":27693,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-5531,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":67900,"hequity":42100,"nifa":17700,"net_nifa":12700,"tfa":17700,"net_tfa":12700,"tfa_he":54800,"tw":64800,"age":48,"inc":51102,"fsize":4,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":12700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":549,"net_nifa":-11,"tfa":549,"net_tfa":-11,"tfa_he":-11,"tw":5739,"age":42,"inc":5409,"fsize":1,"educ":11,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.30218,"net_n401":-11,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":34000,"hmort":20000,"hequity":14000,"nifa":11200,"net_nifa":10050,"tfa":17200,"net_tfa":16050,"tfa_he":30050,"tw":73050,"age":51,"inc":42606,"fsize":2,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.6077,"net_n401":10050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-11240,"tfa":9000,"net_tfa":-3240,"tfa_he":-3240,"tw":3728,"age":36,"inc":47892,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-11240,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":2600,"net_nifa":2600,"tfa":4600,"net_tfa":4600,"tfa_he":4600,"tw":5100,"age":59,"inc":14292,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":2600,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":3813,"a401":40000,"hval":79000,"hmort":62100,"hequity":16900,"nifa":5000,"net_nifa":-2572,"tfa":48813,"net_tfa":41241,"tfa_he":58141,"tw":58141,"age":42,"inc":48900,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":1241,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7417,"a401":0,"hval":30000,"hmort":15000,"hequity":15000,"nifa":759,"net_nifa":-90,"tfa":8176,"net_tfa":7327,"tfa_he":22327,"tw":22327,"age":44,"inc":49422,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":7327,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":37000,"a401":80000,"hval":125000,"hmort":12000,"hequity":113000,"nifa":83000,"net_nifa":83000,"tfa":200000,"net_tfa":200000,"tfa_he":313000,"tw":313000,"age":57,"inc":70845,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":120000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":22000,"hval":89000,"hmort":60000,"hequity":29000,"nifa":14600,"net_nifa":14540,"tfa":36600,"net_tfa":36540,"tfa_he":65540,"tw":72040,"age":43,"inc":59757,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":14540,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":75000,"hequity":15000,"nifa":3050,"net_nifa":50,"tfa":3050,"net_tfa":50,"tfa_he":15050,"tw":21550,"age":44,"inc":41298,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":50,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":45,"net_nifa":45,"tfa":45,"net_tfa":45,"tfa_he":45,"tw":45,"age":29,"inc":14400,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":45,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":28000,"hequity":12000,"nifa":2800,"net_nifa":-3200,"tfa":2800,"net_tfa":-3200,"tfa_he":8800,"tw":9000,"age":44,"inc":35652,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-3200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":10049,"net_nifa":8249,"tfa":11049,"net_tfa":9249,"tfa_he":9249,"tw":9849,"age":29,"inc":39774,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":8249,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":16800,"hval":150000,"hmort":60000,"hequity":90000,"nifa":9500,"net_nifa":9335,"tfa":26300,"net_tfa":26135,"tfa_he":116135,"tw":116135,"age":32,"inc":66840,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":9335,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10150,"a401":38000,"hval":87000,"hmort":65000,"hequity":22000,"nifa":9400,"net_nifa":2400,"tfa":57550,"net_tfa":50550,"tfa_he":72550,"tw":102550,"age":42,"inc":75573,"fsize":3,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":12550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":65000,"hmort":65000,"hequity":0,"nifa":8000,"net_nifa":6500,"tfa":16000,"net_tfa":14500,"tfa_he":14500,"tw":14500,"age":33,"inc":79860,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":6500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":480,"hval":102000,"hmort":85000,"hequity":17000,"nifa":4070,"net_nifa":-18730,"tfa":39550,"net_tfa":16750,"tfa_he":33750,"tw":33750,"age":36,"inc":64815,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-18730,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":450,"net_nifa":450,"tfa":450,"net_tfa":450,"tfa_he":450,"tw":5693,"age":47,"inc":30000,"fsize":3,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":450,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9150,"a401":20000,"hval":135000,"hmort":125100,"hequity":9900,"nifa":12555,"net_nifa":4255,"tfa":41705,"net_tfa":33405,"tfa_he":43305,"tw":52405,"age":36,"inc":83472,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":13405,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":300000,"hmort":107000,"hequity":193000,"nifa":0,"net_nifa":-5600,"tfa":30000,"net_tfa":24400,"tfa_he":217400,"tw":223825,"age":47,"inc":44400,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.42001,"net_n401":-5600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":3200,"hequity":65800,"nifa":3485,"net_nifa":-1465,"tfa":3485,"net_tfa":-1465,"tfa_he":64335,"tw":79335,"age":42,"inc":76527,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-1465,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":15000,"hmort":0,"hequity":15000,"nifa":499,"net_nifa":249,"tfa":499,"net_tfa":249,"tfa_he":15249,"tw":20624,"age":33,"inc":31014,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7500,"a401":25500,"hval":250000,"hmort":115000,"hequity":135000,"nifa":21500,"net_nifa":21500,"tfa":54500,"net_tfa":54500,"tfa_he":189500,"tw":189500,"age":39,"inc":97935,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":800,"hval":60000,"hmort":25000,"hequity":35000,"nifa":8875,"net_nifa":7375,"tfa":19675,"net_tfa":18175,"tfa_he":53175,"tw":60575,"age":50,"inc":51732,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":17375,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":92000,"hmort":0,"hequity":92000,"nifa":1300,"net_nifa":1300,"tfa":1900,"net_tfa":1900,"tfa_he":93900,"tw":105168,"age":30,"inc":14928,"fsize":4,"educ":10,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":1300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":310,"net_nifa":-9690,"tfa":2310,"net_tfa":-7690,"tfa_he":-7690,"tw":-7390,"age":27,"inc":14760,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":-9690,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":50000,"hmort":48100,"hequity":1900,"nifa":750,"net_nifa":-25,"tfa":3250,"net_tfa":2475,"tfa_he":4375,"tw":4675,"age":30,"inc":13503,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-25,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5600,"a401":0,"hval":85000,"hmort":85000,"hequity":0,"nifa":250,"net_nifa":-750,"tfa":5850,"net_tfa":4850,"tfa_he":4850,"tw":20953,"age":35,"inc":26241,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":4850,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":60000,"hmort":25000,"hequity":35000,"nifa":5000,"net_nifa":5000,"tfa":5300,"net_tfa":5300,"tfa_he":40300,"tw":40300,"age":38,"inc":38400,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":37000,"hval":100000,"hmort":58900,"hequity":41100,"nifa":9719,"net_nifa":4119,"tfa":46719,"net_tfa":41119,"tfa_he":82219,"tw":91719,"age":35,"inc":75372,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":4119,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":910,"net_nifa":-11190,"tfa":3410,"net_tfa":-8690,"tfa_he":-8690,"tw":-8690,"age":28,"inc":30897,"fsize":2,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-11190,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":17500,"a401":0,"hval":65000,"hmort":25000,"hequity":40000,"nifa":27099,"net_nifa":27099,"tfa":44599,"net_tfa":44599,"tfa_he":84599,"tw":84599,"age":61,"inc":68889,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":44599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":90000,"hmort":90000,"hequity":0,"nifa":4600,"net_nifa":3600,"tfa":5600,"net_tfa":4600,"tfa_he":4600,"tw":4600,"age":29,"inc":36801,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":3600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":0,"hval":185000,"hmort":150000,"hequity":35000,"nifa":5349,"net_nifa":4949,"tfa":20349,"net_tfa":19949,"tfa_he":54949,"tw":63274,"age":48,"inc":26925,"fsize":4,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":19949,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":95000,"hmort":89000,"hequity":6000,"nifa":1299,"net_nifa":-7701,"tfa":2799,"net_tfa":-6201,"tfa_he":-201,"tw":-201,"age":36,"inc":58302,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-7701,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":20000,"hval":190000,"hmort":36000,"hequity":154000,"nifa":37000,"net_nifa":37000,"tfa":75000,"net_tfa":75000,"tfa_he":229000,"tw":235000,"age":49,"inc":102108,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":55000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5000,"hval":150000,"hmort":115000,"hequity":35000,"nifa":84370,"net_nifa":76270,"tfa":89370,"net_tfa":81270,"tfa_he":116270,"tw":117270,"age":30,"inc":53550,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":76270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-43000,"tfa":9000,"net_tfa":-36000,"tfa_he":-36000,"tw":-33947,"age":50,"inc":31260,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-43000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":42000,"hmort":39900,"hequity":2100,"nifa":2575,"net_nifa":-3275,"tfa":6575,"net_tfa":725,"tfa_he":2825,"tw":24825,"age":34,"inc":53556,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-3275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":150000,"hmort":0,"hequity":150000,"nifa":4660,"net_nifa":-1340,"tfa":10660,"net_tfa":4660,"tfa_he":154660,"tw":212335,"age":54,"inc":37320,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-1340,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3500,"hval":80000,"hmort":53000,"hequity":27000,"nifa":12050,"net_nifa":12050,"tfa":15550,"net_tfa":15550,"tfa_he":42550,"tw":42550,"age":48,"inc":42825,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":12050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19000,"a401":6800,"hval":60000,"hmort":21000,"hequity":39000,"nifa":1000,"net_nifa":-3200,"tfa":26800,"net_tfa":22600,"tfa_he":61600,"tw":77600,"age":40,"inc":68175,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":15800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1560,"net_nifa":1560,"tfa":1560,"net_tfa":1560,"tfa_he":1560,"tw":4326,"age":35,"inc":16395,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":1560,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":26833,"a401":0,"hval":90000,"hmort":72300,"hequity":17700,"nifa":371532,"net_nifa":371408,"tfa":398365,"net_tfa":398241,"tfa_he":415941,"tw":415941,"age":35,"inc":153018,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":398241,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":200000,"hmort":88000,"hequity":112000,"nifa":850,"net_nifa":850,"tfa":8850,"net_tfa":8850,"tfa_he":120850,"tw":120850,"age":52,"inc":30102,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":260000,"hmort":150000,"hequity":110000,"nifa":35000,"net_nifa":34500,"tfa":45000,"net_tfa":44500,"tfa_he":154500,"tw":362000,"age":36,"inc":47556,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":44500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":16000,"hval":0,"hmort":0,"hequity":0,"nifa":4037,"net_nifa":-1963,"tfa":20037,"net_tfa":14037,"tfa_he":14037,"tw":14037,"age":36,"inc":54060,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-1963,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":1550,"age":38,"inc":42060,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.52319,"net_n401":300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":57396,"hval":95000,"hmort":25000,"hequity":70000,"nifa":1425,"net_nifa":-3575,"tfa":58821,"net_tfa":53821,"tfa_he":123821,"tw":123821,"age":56,"inc":69162,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-3575,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2500,"a401":29000,"hval":150000,"hmort":68000,"hequity":82000,"nifa":499,"net_nifa":99,"tfa":31999,"net_tfa":31599,"tfa_he":113599,"tw":119607,"age":40,"inc":51030,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":2599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":21000,"hval":76000,"hmort":26000,"hequity":50000,"nifa":548,"net_nifa":548,"tfa":21548,"net_tfa":21548,"tfa_he":71548,"tw":71548,"age":62,"inc":39342,"fsize":5,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":548,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9300,"a401":0,"hval":220000,"hmort":0,"hequity":220000,"nifa":2100,"net_nifa":2100,"tfa":11400,"net_tfa":11400,"tfa_he":231400,"tw":231400,"age":58,"inc":73830,"fsize":6,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":11400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":5000,"hval":100000,"hmort":45000,"hequity":55000,"nifa":8700,"net_nifa":8100,"tfa":28700,"net_tfa":28100,"tfa_he":83100,"tw":83100,"age":47,"inc":71217,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1100,"net_nifa":-1900,"tfa":1100,"net_tfa":-1900,"tfa_he":-1900,"tw":28325,"age":42,"inc":27231,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":60,"hval":95000,"hmort":73000,"hequity":22000,"nifa":3908,"net_nifa":3708,"tfa":3968,"net_tfa":3768,"tfa_he":25768,"tw":40768,"age":36,"inc":39066,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":3708,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":20000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":52500,"net_nifa":35500,"tfa":88500,"net_tfa":71500,"tfa_he":221500,"tw":230500,"age":54,"inc":124020,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":51500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16000,"a401":80000,"hval":155000,"hmort":0,"hequity":155000,"nifa":9999,"net_nifa":6799,"tfa":105999,"net_tfa":102799,"tfa_he":257799,"tw":265799,"age":64,"inc":103431,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":22799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":21800,"net_nifa":6975,"tfa":21800,"net_tfa":6975,"tfa_he":6975,"tw":12975,"age":28,"inc":21534,"fsize":3,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":6975,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":300000,"hmort":0,"hequity":300000,"nifa":79400,"net_nifa":79000,"tfa":80900,"net_tfa":80500,"tfa_he":380500,"tw":399500,"age":52,"inc":78480,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":79000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1200,"a401":350,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":3000,"tfa":8050,"net_tfa":4550,"tfa_he":4550,"tw":4550,"age":34,"inc":48501,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.34421,"net_n401":4200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":66000,"hmort":0,"hequity":66000,"nifa":63499,"net_nifa":61499,"tfa":75499,"net_tfa":73499,"tfa_he":139499,"tw":139683,"age":54,"inc":31290,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":61499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-5000,"tfa":3000,"net_tfa":-5000,"tfa_he":-5000,"tw":-2640,"age":40,"inc":42960,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.30552,"net_n401":-5000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":150000,"hequity":50000,"nifa":6300,"net_nifa":-4700,"tfa":6300,"net_tfa":-4700,"tfa_he":45300,"tw":45300,"age":55,"inc":87663,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6000,"a401":22000,"hval":200000,"hmort":121500,"hequity":78500,"nifa":12000,"net_nifa":10000,"tfa":40000,"net_tfa":38000,"tfa_he":116500,"tw":116500,"age":40,"inc":68271,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":16000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":73000,"hval":225000,"hmort":140000,"hequity":85000,"nifa":270000,"net_nifa":265000,"tfa":393000,"net_tfa":388000,"tfa_he":473000,"tw":829000,"age":49,"inc":152490,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":315000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":99,"net_nifa":99,"tfa":6099,"net_tfa":6099,"tfa_he":6099,"tw":7406,"age":40,"inc":23619,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.51179,"net_n401":6099,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-21100,"tfa":180,"net_tfa":-21020,"tfa_he":-21020,"tw":-15852,"age":25,"inc":21456,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-21100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":470,"net_nifa":-30,"tfa":470,"net_tfa":-30,"tfa_he":-30,"tw":4320,"age":36,"inc":34329,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-30,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":147500,"hmort":125000,"hequity":22500,"nifa":6000,"net_nifa":1000,"tfa":9500,"net_tfa":4500,"tfa_he":27000,"tw":27000,"age":34,"inc":67800,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":13000,"a401":13000,"hval":5000,"hmort":5000,"hequity":0,"nifa":300,"net_nifa":-5700,"tfa":26300,"net_tfa":20300,"tfa_he":20300,"tw":22300,"age":44,"inc":48120,"fsize":4,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.71967,"net_n401":7300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":200,"a401":13300,"hval":60000,"hmort":58000,"hequity":2000,"nifa":3150,"net_nifa":2750,"tfa":16650,"net_tfa":16250,"tfa_he":18250,"tw":28250,"age":25,"inc":35505,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":42000,"hequity":208000,"nifa":12400,"net_nifa":12000,"tfa":12400,"net_tfa":12000,"tfa_he":220000,"tw":220000,"age":59,"inc":47700,"fsize":6,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":12000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2000,"hval":60000,"hmort":11000,"hequity":49000,"nifa":0,"net_nifa":-5000,"tfa":2000,"net_tfa":-3000,"tfa_he":46000,"tw":46500,"age":48,"inc":13845,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-5000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5500,"a401":0,"hval":70000,"hmort":25000,"hequity":45000,"nifa":51198,"net_nifa":51198,"tfa":56698,"net_tfa":56698,"tfa_he":101698,"tw":104198,"age":42,"inc":44133,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":56698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1300,"hval":270000,"hmort":50000,"hequity":220000,"nifa":17000,"net_nifa":13300,"tfa":18300,"net_tfa":14600,"tfa_he":234600,"tw":235600,"age":51,"inc":21750,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":13300,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9400,"a401":10700,"hval":70000,"hmort":34500,"hequity":35500,"nifa":4117,"net_nifa":4117,"tfa":24217,"net_tfa":24217,"tfa_he":59717,"tw":59717,"age":50,"inc":54540,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":13517,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":65000,"hmort":29900,"hequity":35100,"nifa":969,"net_nifa":-6066,"tfa":8969,"net_tfa":1934,"tfa_he":37034,"tw":39409,"age":34,"inc":30543,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-6066,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":32050,"net_nifa":32050,"tfa":42050,"net_tfa":42050,"tfa_he":42050,"tw":122050,"age":38,"inc":76941,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.46965,"net_n401":42050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":88000,"hmort":84440,"hequity":3560,"nifa":3748,"net_nifa":2098,"tfa":4448,"net_tfa":2798,"tfa_he":6358,"tw":15158,"age":30,"inc":54906,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2098,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":22000,"hmort":3202,"hequity":18798,"nifa":5,"net_nifa":-2039,"tfa":5,"net_tfa":-2039,"tfa_he":16759,"tw":16759,"age":30,"inc":17901,"fsize":4,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":-2039,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":56000,"hval":160000,"hmort":47000,"hequity":113000,"nifa":12100,"net_nifa":9200,"tfa":78100,"net_tfa":75200,"tfa_he":188200,"tw":313200,"age":42,"inc":79134,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":19200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":44000,"hval":50000,"hmort":0,"hequity":50000,"nifa":31124,"net_nifa":3184,"tfa":85124,"net_tfa":57184,"tfa_he":107184,"tw":109184,"age":62,"inc":24966,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.4721,"net_n401":13184,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":0,"hequity":160000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":160000,"tw":163450,"age":62,"inc":44361,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":5430,"tfa":9500,"net_tfa":5930,"tfa_he":5930,"tw":7430,"age":44,"inc":43914,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.52319,"net_n401":5430,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":245000,"hmort":150000,"hequity":95000,"nifa":1249,"net_nifa":-11551,"tfa":81249,"net_tfa":68449,"tfa_he":163449,"tw":174124,"age":41,"inc":54075,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.4938,"net_n401":-11551,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":55,"inc":29250,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":5000,"net_tfa":5000,"tfa_he":5000,"tw":5000,"age":59,"inc":16320,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2100,"hval":0,"hmort":0,"hequity":0,"nifa":1125,"net_nifa":1125,"tfa":3225,"net_tfa":3225,"tfa_he":3225,"tw":3425,"age":46,"inc":40362,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":1125,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":40600,"hequity":34400,"nifa":300,"net_nifa":-7200,"tfa":300,"net_tfa":-7200,"tfa_he":27200,"tw":37400,"age":44,"inc":26232,"fsize":3,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":-7200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":4500,"hval":0,"hmort":0,"hequity":0,"nifa":2797,"net_nifa":2647,"tfa":17297,"net_tfa":17147,"tfa_he":17147,"tw":19197,"age":46,"inc":41580,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":12647,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":17000,"hmort":17000,"hequity":0,"nifa":300,"net_nifa":300,"tfa":1300,"net_tfa":1300,"tfa_he":1300,"tw":1300,"age":37,"inc":6168,"fsize":5,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":300,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":40000,"a401":2500,"hval":100000,"hmort":50000,"hequity":50000,"nifa":6158,"net_nifa":5458,"tfa":48658,"net_tfa":47958,"tfa_he":97958,"tw":97958,"age":55,"inc":108420,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":45458,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6000,"hval":62000,"hmort":24900,"hequity":37100,"nifa":0,"net_nifa":-400,"tfa":6000,"net_tfa":5600,"tfa_he":42700,"tw":42700,"age":52,"inc":12954,"fsize":5,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-400,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":275,"net_nifa":275,"tfa":275,"net_tfa":275,"tfa_he":275,"tw":1775,"age":32,"inc":15705,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":275,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":0,"hequity":60000,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":60200,"tw":60200,"age":55,"inc":25638,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":24000,"hequity":46000,"nifa":700,"net_nifa":700,"tfa":700,"net_tfa":700,"tfa_he":46700,"tw":61700,"age":40,"inc":62136,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":169000,"hmort":101000,"hequity":68000,"nifa":16402,"net_nifa":12102,"tfa":23402,"net_tfa":19102,"tfa_he":87102,"tw":90802,"age":51,"inc":74613,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":12102,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":28160,"hval":200000,"hmort":150000,"hequity":50000,"nifa":2800,"net_nifa":2800,"tfa":30960,"net_tfa":30960,"tfa_he":80960,"tw":86202,"age":35,"inc":30090,"fsize":3,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8400,"hval":85000,"hmort":55000,"hequity":30000,"nifa":7350,"net_nifa":6850,"tfa":15750,"net_tfa":15250,"tfa_he":45250,"tw":80250,"age":35,"inc":31050,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":6850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5,"net_nifa":5,"tfa":5,"net_tfa":5,"tfa_he":5,"tw":2281,"age":34,"inc":17550,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":5,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":400,"tfa":400,"net_tfa":400,"tfa_he":400,"tw":400,"age":43,"inc":22242,"fsize":2,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":52000,"a401":55000,"hval":72000,"hmort":68000,"hequity":4000,"nifa":93250,"net_nifa":89250,"tfa":200250,"net_tfa":196250,"tfa_he":200250,"tw":200250,"age":37,"inc":95175,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":141250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":0,"hmort":0,"hequity":0,"nifa":1999,"net_nifa":-2001,"tfa":10999,"net_tfa":6999,"tfa_he":6999,"tw":6999,"age":37,"inc":43050,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-2001,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5800,"hval":0,"hmort":0,"hequity":0,"nifa":149,"net_nifa":-91,"tfa":5949,"net_tfa":5709,"tfa_he":5709,"tw":5709,"age":35,"inc":28407,"fsize":4,"educ":11,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20929,"net_n401":-91,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2500,"a401":20000,"hval":86400,"hmort":86400,"hequity":0,"nifa":8000,"net_nifa":4000,"tfa":30500,"net_tfa":26500,"tfa_he":26500,"tw":35950,"age":34,"inc":55782,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.48688,"net_n401":6500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":5000,"hmort":0,"hequity":5000,"nifa":750,"net_nifa":-850,"tfa":1950,"net_tfa":350,"tfa_he":5350,"tw":7850,"age":47,"inc":17562,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-850,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":6000,"a401":4500,"hval":85000,"hmort":80000,"hequity":5000,"nifa":71000,"net_nifa":70000,"tfa":81500,"net_tfa":80500,"tfa_he":85500,"tw":113500,"age":59,"inc":78972,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":76000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":6050,"a401":0,"hval":150000,"hmort":50000,"hequity":100000,"nifa":25899,"net_nifa":24899,"tfa":31949,"net_tfa":30949,"tfa_he":130949,"tw":138420,"age":31,"inc":53100,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.78569,"net_n401":30949,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":25900,"a401":4500,"hval":170000,"hmort":88000,"hequity":82000,"nifa":55900,"net_nifa":55900,"tfa":86300,"net_tfa":86300,"tfa_he":168300,"tw":184050,"age":41,"inc":59580,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":81800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6033,"a401":42000,"hval":300000,"hmort":135000,"hequity":165000,"nifa":13997,"net_nifa":13997,"tfa":62030,"net_tfa":62030,"tfa_he":227030,"tw":228530,"age":41,"inc":57642,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":20030,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":25000,"hmort":15000,"hequity":10000,"nifa":0,"net_nifa":0,"tfa":13000,"net_tfa":13000,"tfa_he":23000,"tw":23000,"age":42,"inc":35100,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17800,"a401":28347,"hval":75000,"hmort":0,"hequity":75000,"nifa":15500,"net_nifa":-2700,"tfa":61647,"net_tfa":43447,"tfa_he":118447,"tw":122947,"age":58,"inc":66504,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":15100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":37000,"hmort":33000,"hequity":4000,"nifa":0,"net_nifa":-1800,"tfa":10000,"net_tfa":8200,"tfa_he":12200,"tw":12200,"age":38,"inc":50574,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3400,"hval":12000,"hmort":10000,"hequity":2000,"nifa":4800,"net_nifa":4800,"tfa":8200,"net_tfa":8200,"tfa_he":10200,"tw":17679,"age":32,"inc":20640,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":4800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":80000,"hmort":52000,"hequity":28000,"nifa":2500,"net_nifa":1000,"tfa":16500,"net_tfa":15000,"tfa_he":43000,"tw":43000,"age":29,"inc":33375,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3500,"net_nifa":2300,"tfa":3500,"net_tfa":2300,"tfa_he":2300,"tw":5650,"age":30,"inc":29958,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":2300,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":115000,"hmort":26000,"hequity":89000,"nifa":1420,"net_nifa":1420,"tfa":6420,"net_tfa":6420,"tfa_he":95420,"tw":103420,"age":58,"inc":13275,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.36232,"net_n401":1420,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6000,"hval":85000,"hmort":41000,"hequity":44000,"nifa":3100,"net_nifa":-1100,"tfa":9100,"net_tfa":4900,"tfa_he":48900,"tw":53400,"age":52,"inc":45090,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":52,"net_nifa":-8948,"tfa":52,"net_tfa":-8948,"tfa_he":-8948,"tw":8052,"age":54,"inc":52521,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-8948,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":175000,"hmort":55000,"hequity":120000,"nifa":24100,"net_nifa":24100,"tfa":28100,"net_tfa":28100,"tfa_he":148100,"tw":148100,"age":44,"inc":65976,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":24100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":175000,"hmort":150000,"hequity":25000,"nifa":5600,"net_nifa":5100,"tfa":6600,"net_tfa":6100,"tfa_he":31100,"tw":35775,"age":31,"inc":43026,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":75000,"hmort":0,"hequity":75000,"nifa":82000,"net_nifa":82000,"tfa":99000,"net_tfa":99000,"tfa_he":174000,"tw":179275,"age":44,"inc":64200,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":99000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":3350,"age":53,"inc":10761,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":70000,"hval":110000,"hmort":70000,"hequity":40000,"nifa":3800,"net_nifa":3800,"tfa":73800,"net_tfa":73800,"tfa_he":113800,"tw":113800,"age":53,"inc":100008,"fsize":2,"educ":1,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":7,"ecat":1,"zhat":0.56794,"net_n401":3800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":21500,"a401":9000,"hval":175000,"hmort":140000,"hequity":35000,"nifa":5800,"net_nifa":5600,"tfa":36300,"net_tfa":36100,"tfa_he":71100,"tw":83100,"age":29,"inc":94125,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":27100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":14000,"hval":120000,"hmort":110000,"hequity":10000,"nifa":82500,"net_nifa":80800,"tfa":104500,"net_tfa":102800,"tfa_he":112800,"tw":122100,"age":40,"inc":88698,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":88800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":695,"net_nifa":-5580,"tfa":6695,"net_tfa":420,"tfa_he":420,"tw":2920,"age":32,"inc":28374,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":-5580,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5500,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":5500,"net_tfa":5500,"tfa_he":5500,"tw":6000,"age":60,"inc":9900,"fsize":1,"educ":9,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.02785,"net_n401":0,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":40000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":20000,"net_nifa":16600,"tfa":60000,"net_tfa":56600,"tfa_he":206600,"tw":206600,"age":35,"inc":102705,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":16600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4000,"a401":0,"hval":85000,"hmort":70000,"hequity":15000,"nifa":76800,"net_nifa":74700,"tfa":80800,"net_tfa":78700,"tfa_he":93700,"tw":100342,"age":47,"inc":42639,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":78700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1711,"hval":0,"hmort":0,"hequity":0,"nifa":550,"net_nifa":-12270,"tfa":2261,"net_tfa":-10559,"tfa_he":-10559,"tw":-6859,"age":32,"inc":53364,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":-12270,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":32006,"a401":40454,"hval":225000,"hmort":150000,"hequity":75000,"nifa":89783,"net_nifa":89383,"tfa":162243,"net_tfa":161843,"tfa_he":236843,"tw":416843,"age":48,"inc":132009,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":121389,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18325,"a401":18000,"hval":80000,"hmort":33000,"hequity":47000,"nifa":3000,"net_nifa":400,"tfa":39325,"net_tfa":36725,"tfa_he":83725,"tw":100925,"age":40,"inc":54816,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":18725,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":190000,"hmort":85000,"hequity":105000,"nifa":83149,"net_nifa":82149,"tfa":91149,"net_tfa":90149,"tfa_he":195149,"tw":211149,"age":36,"inc":69636,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":82149,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":36000,"hval":75000,"hmort":67000,"hequity":8000,"nifa":10000,"net_nifa":7500,"tfa":49500,"net_tfa":47000,"tfa_he":55000,"tw":276000,"age":44,"inc":156600,"fsize":3,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":11000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":43230,"a401":66239,"hval":300000,"hmort":150000,"hequity":150000,"nifa":669159,"net_nifa":669159,"tfa":778628,"net_tfa":778628,"tfa_he":928628,"tw":939628,"age":43,"inc":146577,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":712389,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":30000,"hmort":0,"hequity":30000,"nifa":434,"net_nifa":-966,"tfa":2934,"net_tfa":1534,"tfa_he":31534,"tw":31534,"age":51,"inc":40683,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-966,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":93000,"hmort":86000,"hequity":7000,"nifa":1700,"net_nifa":-4384,"tfa":1700,"net_tfa":-4384,"tfa_he":2616,"tw":11891,"age":43,"inc":34752,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-4384,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3580,"a401":0,"hval":200000,"hmort":28000,"hequity":172000,"nifa":53000,"net_nifa":51800,"tfa":56580,"net_tfa":55380,"tfa_he":227380,"tw":227380,"age":43,"inc":68808,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":55380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3400,"hval":70000,"hmort":48000,"hequity":22000,"nifa":15399,"net_nifa":15399,"tfa":18799,"net_tfa":18799,"tfa_he":40799,"tw":40799,"age":28,"inc":28215,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":15399,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":92000,"hmort":69000,"hequity":23000,"nifa":5150,"net_nifa":2950,"tfa":9150,"net_tfa":6950,"tfa_he":29950,"tw":30950,"age":54,"inc":66945,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":36000,"hval":120000,"hmort":75000,"hequity":45000,"nifa":90000,"net_nifa":90000,"tfa":136000,"net_tfa":136000,"tfa_he":181000,"tw":181000,"age":44,"inc":67800,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":100000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1800,"hval":30000,"hmort":0,"hequity":30000,"nifa":999,"net_nifa":999,"tfa":2799,"net_tfa":2799,"tfa_he":32799,"tw":39324,"age":60,"inc":14850,"fsize":1,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.40413,"net_n401":999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":10000,"a401":80000,"hval":210000,"hmort":125000,"hequity":85000,"nifa":0,"net_nifa":-1000,"tfa":90000,"net_tfa":89000,"tfa_he":174000,"tw":278000,"age":49,"inc":96000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":9000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1500,"hval":87000,"hmort":87000,"hequity":0,"nifa":1000,"net_nifa":-2000,"tfa":2500,"net_tfa":-500,"tfa_he":-500,"tw":4000,"age":36,"inc":40212,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":124000,"hmort":124000,"hequity":0,"nifa":2050,"net_nifa":-4200,"tfa":17050,"net_tfa":10800,"tfa_he":10800,"tw":10911,"age":36,"inc":110985,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-4200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":157000,"hmort":110000,"hequity":47000,"nifa":21000,"net_nifa":21000,"tfa":21000,"net_tfa":21000,"tfa_he":68000,"tw":89000,"age":41,"inc":66588,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":85000,"hmort":44000,"hequity":41000,"nifa":8000,"net_nifa":8000,"tfa":33000,"net_tfa":33000,"tfa_he":74000,"tw":77375,"age":34,"inc":33258,"fsize":1,"educ":15,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":8000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":0,"hmort":0,"hequity":0,"nifa":7900,"net_nifa":5900,"tfa":11400,"net_tfa":9400,"tfa_he":9400,"tw":15066,"age":30,"inc":59748,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":5900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":72500,"hmort":71000,"hequity":1500,"nifa":300,"net_nifa":-2900,"tfa":300,"net_tfa":-2900,"tfa_he":-1400,"tw":11600,"age":38,"inc":59469,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-2900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":61000,"hmort":61000,"hequity":0,"nifa":15749,"net_nifa":-201,"tfa":20749,"net_tfa":4799,"tfa_he":4799,"tw":13799,"age":49,"inc":76896,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":19300,"hval":84000,"hmort":56000,"hequity":28000,"nifa":900,"net_nifa":550,"tfa":20200,"net_tfa":19850,"tfa_he":47850,"tw":78850,"age":25,"inc":37953,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":65000,"hmort":0,"hequity":65000,"nifa":199,"net_nifa":-1201,"tfa":4199,"net_tfa":2799,"tfa_he":67799,"tw":67799,"age":53,"inc":43887,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-1201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":8000,"hval":300000,"hmort":25000,"hequity":275000,"nifa":8200,"net_nifa":5500,"tfa":30200,"net_tfa":27500,"tfa_he":302500,"tw":308500,"age":59,"inc":68790,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":19500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":600,"hval":300000,"hmort":150000,"hequity":150000,"nifa":449,"net_nifa":-51,"tfa":1049,"net_tfa":549,"tfa_he":150549,"tw":150549,"age":34,"inc":68817,"fsize":5,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-51,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":22500,"hequity":12500,"nifa":999,"net_nifa":-1801,"tfa":999,"net_tfa":-1801,"tfa_he":10699,"tw":13699,"age":31,"inc":31971,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":54500,"a401":69000,"hval":200000,"hmort":110000,"hequity":90000,"nifa":22400,"net_nifa":15900,"tfa":145900,"net_tfa":139400,"tfa_he":229400,"tw":297400,"age":40,"inc":100455,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":70400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":7000,"hmort":0,"hequity":7000,"nifa":6220,"net_nifa":-4755,"tfa":9720,"net_tfa":-1255,"tfa_he":5745,"tw":5745,"age":30,"inc":25758,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-4755,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":33000,"hequity":37000,"nifa":5960,"net_nifa":5260,"tfa":5960,"net_tfa":5260,"tfa_he":42260,"tw":58260,"age":50,"inc":20484,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":5260,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7273,"hval":34000,"hmort":30000,"hequity":4000,"nifa":400,"net_nifa":-3600,"tfa":7673,"net_tfa":3673,"tfa_he":7673,"tw":14134,"age":29,"inc":28122,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5999,"net_nifa":-5501,"tfa":5999,"net_tfa":-5501,"tfa_he":-5501,"tw":-4781,"age":33,"inc":63660,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35984,"net_n401":-5501,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":65311,"hval":125000,"hmort":93000,"hequity":32000,"nifa":3824,"net_nifa":3749,"tfa":80135,"net_tfa":80060,"tfa_he":112060,"tw":133935,"age":42,"inc":71478,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":14749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":42000,"hmort":20000,"hequity":22000,"nifa":700,"net_nifa":100,"tfa":1000,"net_tfa":400,"tfa_he":22400,"tw":22400,"age":47,"inc":15000,"fsize":6,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":63000,"hmort":0,"hequity":63000,"nifa":7999,"net_nifa":7999,"tfa":27999,"net_tfa":27999,"tfa_he":90999,"tw":94349,"age":57,"inc":17484,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":7999,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":5000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":70000,"net_nifa":69500,"tfa":80000,"net_tfa":79500,"tfa_he":229500,"tw":229500,"age":41,"inc":89952,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":74500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":0,"hequity":110000,"nifa":2200,"net_nifa":2200,"tfa":2200,"net_tfa":2200,"tfa_he":112200,"tw":114200,"age":50,"inc":40905,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.53158,"net_n401":2200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5500,"a401":0,"hval":150000,"hmort":90000,"hequity":60000,"nifa":57999,"net_nifa":57999,"tfa":63499,"net_tfa":63499,"tfa_he":123499,"tw":228499,"age":46,"inc":78654,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":63499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":0,"hval":70000,"hmort":21000,"hequity":49000,"nifa":6000,"net_nifa":-2400,"tfa":26000,"net_tfa":17600,"tfa_he":66600,"tw":73400,"age":44,"inc":78762,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":17600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":0,"hmort":0,"hequity":0,"nifa":2400,"net_nifa":2400,"tfa":13400,"net_tfa":13400,"tfa_he":13400,"tw":19700,"age":45,"inc":32973,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":2400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":500,"hval":90000,"hmort":65000,"hequity":25000,"nifa":2449,"net_nifa":-1251,"tfa":2949,"net_tfa":-751,"tfa_he":24249,"tw":24249,"age":43,"inc":32046,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1251,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":150000,"hmort":50000,"hequity":100000,"nifa":7800,"net_nifa":7800,"tfa":19800,"net_tfa":19800,"tfa_he":119800,"tw":119800,"age":44,"inc":42840,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":175000,"hmort":0,"hequity":175000,"nifa":5250,"net_nifa":5250,"tfa":18250,"net_tfa":18250,"tfa_he":193250,"tw":212650,"age":64,"inc":36036,"fsize":1,"educ":13,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":5250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":38000,"hmort":23000,"hequity":15000,"nifa":6999,"net_nifa":4499,"tfa":6999,"net_tfa":4499,"tfa_he":19499,"tw":19499,"age":34,"inc":34557,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11000,"a401":18000,"hval":175000,"hmort":25000,"hequity":150000,"nifa":2600,"net_nifa":-15400,"tfa":31600,"net_tfa":13600,"tfa_he":163600,"tw":225600,"age":62,"inc":90726,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":-4400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":160000,"hmort":35000,"hequity":125000,"nifa":5100,"net_nifa":5100,"tfa":5100,"net_tfa":5100,"tfa_he":130100,"tw":130100,"age":35,"inc":34080,"fsize":6,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":5100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":18000,"a401":6000,"hval":50000,"hmort":0,"hequity":50000,"nifa":5049,"net_nifa":-1951,"tfa":29049,"net_tfa":22049,"tfa_he":72049,"tw":76049,"age":47,"inc":25383,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":16049,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4250,"hval":0,"hmort":0,"hequity":0,"nifa":4399,"net_nifa":2899,"tfa":8649,"net_tfa":7149,"tfa_he":7149,"tw":76669,"age":33,"inc":38880,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":2899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":55000,"hmort":55000,"hequity":0,"nifa":2000,"net_nifa":-2000,"tfa":2400,"net_tfa":-1600,"tfa_he":-1600,"tw":-1600,"age":48,"inc":55743,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":9000,"hval":94000,"hmort":94000,"hequity":0,"nifa":1800,"net_nifa":-3685,"tfa":10800,"net_tfa":5315,"tfa_he":5315,"tw":16315,"age":40,"inc":75402,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":-3685,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":129000,"hequity":171000,"nifa":4999,"net_nifa":-1801,"tfa":4999,"net_tfa":-1801,"tfa_he":169199,"tw":169199,"age":35,"inc":72420,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-1801,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":90000,"hmort":0,"hequity":90000,"nifa":2350,"net_nifa":1950,"tfa":2430,"net_tfa":2030,"tfa_he":92030,"tw":92780,"age":47,"inc":26103,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":1950,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":54800,"hmort":45000,"hequity":9800,"nifa":2200,"net_nifa":-17000,"tfa":3200,"net_tfa":-16000,"tfa_he":-6200,"tw":-2200,"age":40,"inc":42048,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-17000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":2500,"net_nifa":-100,"tfa":4000,"net_tfa":1400,"tfa_he":1400,"tw":6200,"age":28,"inc":30381,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":170000,"hmort":64000,"hequity":106000,"nifa":8900,"net_nifa":5900,"tfa":13900,"net_tfa":10900,"tfa_he":116900,"tw":119900,"age":42,"inc":24780,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":51,"inc":16320,"fsize":10,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":49999,"net_nifa":49999,"tfa":55999,"net_tfa":55999,"tfa_he":55999,"tw":62349,"age":39,"inc":32253,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":49999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24000,"a401":52000,"hval":120000,"hmort":35000,"hequity":85000,"nifa":43000,"net_nifa":42880,"tfa":127300,"net_tfa":127180,"tfa_he":212180,"tw":212180,"age":53,"inc":63000,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":66880,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":13300,"hval":79000,"hmort":79000,"hequity":0,"nifa":146900,"net_nifa":146900,"tfa":160200,"net_tfa":160200,"tfa_he":160200,"tw":260200,"age":32,"inc":53946,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":146900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":115000,"hmort":81000,"hequity":34000,"nifa":2000,"net_nifa":-650,"tfa":11000,"net_tfa":8350,"tfa_he":42350,"tw":50350,"age":39,"inc":67488,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":37868,"net_nifa":36068,"tfa":37868,"net_tfa":36068,"tfa_he":186068,"tw":186068,"age":46,"inc":62691,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":36068,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":400,"a401":15000,"hval":225000,"hmort":140000,"hequity":85000,"nifa":23500,"net_nifa":23500,"tfa":38900,"net_tfa":38900,"tfa_he":123900,"tw":123900,"age":38,"inc":146100,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":23900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":80000,"hval":90000,"hmort":0,"hequity":90000,"nifa":50000,"net_nifa":50000,"tfa":150000,"net_tfa":150000,"tfa_he":240000,"tw":240000,"age":49,"inc":96153,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":70000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":67900,"hmort":66000,"hequity":1900,"nifa":27500,"net_nifa":27350,"tfa":30500,"net_tfa":30350,"tfa_he":32250,"tw":36475,"age":40,"inc":41196,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":27350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7800,"a401":2000,"hval":230000,"hmort":100000,"hequity":130000,"nifa":28460,"net_nifa":27492,"tfa":38260,"net_tfa":37292,"tfa_he":167292,"tw":171292,"age":53,"inc":80676,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":35292,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-300,"tfa":600,"net_tfa":200,"tfa_he":200,"tw":2866,"age":56,"inc":18588,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-300,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":60000,"hmort":56000,"hequity":4000,"nifa":1809,"net_nifa":9,"tfa":2809,"net_tfa":1009,"tfa_he":5009,"tw":13009,"age":30,"inc":51711,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":9,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7114,"a401":0,"hval":160000,"hmort":0,"hequity":160000,"nifa":30809,"net_nifa":30809,"tfa":37923,"net_tfa":37923,"tfa_he":197923,"tw":205923,"age":63,"inc":40203,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":37923,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":12000,"hval":85000,"hmort":0,"hequity":85000,"nifa":3749,"net_nifa":1849,"tfa":15749,"net_tfa":13849,"tfa_he":98849,"tw":98849,"age":44,"inc":52476,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1849,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":54000,"a401":25000,"hval":165000,"hmort":100000,"hequity":65000,"nifa":140500,"net_nifa":129500,"tfa":219500,"net_tfa":208500,"tfa_he":273500,"tw":273500,"age":50,"inc":69150,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":183500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":18000,"hequity":22000,"nifa":88,"net_nifa":-2586,"tfa":88,"net_tfa":-2586,"tfa_he":19414,"tw":28414,"age":38,"inc":33606,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-2586,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":382,"hval":0,"hmort":0,"hequity":0,"nifa":6249,"net_nifa":-451,"tfa":6631,"net_tfa":-69,"tfa_he":-69,"tw":4731,"age":28,"inc":53598,"fsize":2,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.35984,"net_n401":-451,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":119000,"hequity":31000,"nifa":42000,"net_nifa":38000,"tfa":42000,"net_tfa":38000,"tfa_he":69000,"tw":70750,"age":48,"inc":30804,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":38000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":13250,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":1400,"net_nifa":-600,"tfa":14650,"net_tfa":12650,"tfa_he":212650,"tw":212650,"age":41,"inc":64245,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":12650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3900,"hval":53500,"hmort":29000,"hequity":24500,"nifa":963,"net_nifa":863,"tfa":4863,"net_tfa":4763,"tfa_he":29263,"tw":34263,"age":27,"inc":24693,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":863,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":15000,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":14536,"net_nifa":7036,"tfa":50536,"net_tfa":43036,"tfa_he":43036,"tw":63986,"age":38,"inc":41334,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.64307,"net_n401":22036,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":58000,"hmort":24000,"hequity":34000,"nifa":325,"net_nifa":-1175,"tfa":325,"net_tfa":-1175,"tfa_he":32825,"tw":40425,"age":30,"inc":16596,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1175,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-30480,"tfa":20,"net_tfa":-30480,"tfa_he":-30480,"tw":-30480,"age":51,"inc":9435,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.30218,"net_n401":-30480,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":835,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":835,"net_tfa":835,"tfa_he":835,"tw":10835,"age":47,"inc":41361,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10700,"hval":41900,"hmort":41900,"hequity":0,"nifa":99,"net_nifa":99,"tfa":10799,"net_tfa":10799,"tfa_he":10799,"tw":14499,"age":50,"inc":100002,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68912,"net_n401":99,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":36448,"hval":57000,"hmort":29400,"hequity":27600,"nifa":12048,"net_nifa":11998,"tfa":48496,"net_tfa":48446,"tfa_he":76046,"tw":91046,"age":44,"inc":78783,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":11998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20500,"a401":7000,"hval":140000,"hmort":75000,"hequity":65000,"nifa":52700,"net_nifa":52400,"tfa":80200,"net_tfa":79900,"tfa_he":144900,"tw":156400,"age":47,"inc":102630,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":72900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":29000,"hmort":18000,"hequity":11000,"nifa":8000,"net_nifa":3000,"tfa":10000,"net_tfa":5000,"tfa_he":16000,"tw":34000,"age":42,"inc":57300,"fsize":5,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":90000,"hmort":0,"hequity":90000,"nifa":14998,"net_nifa":14998,"tfa":16998,"net_tfa":16998,"tfa_he":106998,"tw":136998,"age":56,"inc":33414,"fsize":3,"educ":11,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":14998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":125000,"hmort":113200,"hequity":11800,"nifa":5302,"net_nifa":5302,"tfa":6302,"net_tfa":6302,"tfa_he":18102,"tw":31327,"age":26,"inc":37641,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":5302,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":125000,"hmort":0,"hequity":125000,"nifa":81200,"net_nifa":70400,"tfa":81500,"net_tfa":70700,"tfa_he":195700,"tw":202575,"age":33,"inc":30762,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":70400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-10100,"tfa":100,"net_tfa":-10100,"tfa_he":-10100,"tw":-10100,"age":35,"inc":31242,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-10100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2900,"hval":70000,"hmort":56000,"hequity":14000,"nifa":24099,"net_nifa":19735,"tfa":26999,"net_tfa":22635,"tfa_he":36635,"tw":36635,"age":41,"inc":56220,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":19735,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":250,"net_nifa":-5750,"tfa":1250,"net_tfa":-4750,"tfa_he":-4750,"tw":2250,"age":52,"inc":45246,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":-4750,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":57000,"hequity":6000,"nifa":6800,"net_nifa":-9800,"tfa":6800,"net_tfa":-9800,"tfa_he":-3800,"tw":9200,"age":33,"inc":52962,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-9800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":85000,"hmort":41400,"hequity":43600,"nifa":3900,"net_nifa":2600,"tfa":7900,"net_tfa":6600,"tfa_he":50200,"tw":50200,"age":42,"inc":70635,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":2600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":80000,"hequity":110000,"nifa":8440,"net_nifa":440,"tfa":8440,"net_tfa":440,"tfa_he":110440,"tw":110440,"age":49,"inc":61866,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":440,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3500,"a401":700,"hval":135000,"hmort":80000,"hequity":55000,"nifa":1710,"net_nifa":310,"tfa":5910,"net_tfa":4510,"tfa_he":59510,"tw":75010,"age":39,"inc":38208,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":3810,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":67,"hval":0,"hmort":0,"hequity":0,"nifa":8800,"net_nifa":8070,"tfa":8867,"net_tfa":8137,"tfa_he":8137,"tw":8137,"age":44,"inc":20325,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":8070,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":4700,"tfa":17500,"net_tfa":16700,"tfa_he":16700,"tw":19750,"age":31,"inc":29562,"fsize":1,"educ":17,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":4700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4400,"hval":60000,"hmort":48000,"hequity":12000,"nifa":300,"net_nifa":-700,"tfa":4700,"net_tfa":3700,"tfa_he":15700,"tw":27800,"age":44,"inc":52503,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":4420,"net_nifa":4420,"tfa":17420,"net_tfa":17420,"tfa_he":17420,"tw":63420,"age":30,"inc":36750,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":4420,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":130000,"hmort":112000,"hequity":18000,"nifa":5000,"net_nifa":1100,"tfa":15000,"net_tfa":11100,"tfa_he":29100,"tw":29100,"age":32,"inc":49920,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":0,"hmort":0,"hequity":0,"nifa":2209,"net_nifa":9,"tfa":13209,"net_tfa":11009,"tfa_he":11009,"tw":14359,"age":45,"inc":20943,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":9,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4800,"a401":0,"hval":75000,"hmort":34800,"hequity":40200,"nifa":330,"net_nifa":-70,"tfa":5130,"net_tfa":4730,"tfa_he":44930,"tw":49130,"age":44,"inc":53844,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":4730,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":575,"hval":34500,"hmort":34500,"hequity":0,"nifa":125,"net_nifa":-8875,"tfa":700,"net_tfa":-8300,"tfa_he":-8300,"tw":-4050,"age":38,"inc":29046,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-8875,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3600,"hval":0,"hmort":0,"hequity":0,"nifa":350,"net_nifa":-2100,"tfa":3950,"net_tfa":1500,"tfa_he":1500,"tw":1500,"age":51,"inc":19866,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3700,"a401":21000,"hval":185000,"hmort":149000,"hequity":36000,"nifa":16496,"net_nifa":14596,"tfa":41196,"net_tfa":39296,"tfa_he":75296,"tw":140296,"age":30,"inc":70962,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":18296,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":45500,"net_nifa":43500,"tfa":45500,"net_tfa":43500,"tfa_he":78500,"tw":83825,"age":51,"inc":57783,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":43500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3822,"net_nifa":2757,"tfa":3822,"net_tfa":2757,"tfa_he":2757,"tw":5257,"age":35,"inc":40719,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":2757,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4066,"a401":600,"hval":40000,"hmort":20000,"hequity":20000,"nifa":15050,"net_nifa":13300,"tfa":19716,"net_tfa":17966,"tfa_he":37966,"tw":44966,"age":44,"inc":37620,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":17366,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2200,"hval":45000,"hmort":39600,"hequity":5400,"nifa":11000,"net_nifa":10500,"tfa":13200,"net_tfa":12700,"tfa_he":18100,"tw":18100,"age":31,"inc":31494,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-14800,"tfa":700,"net_tfa":-14300,"tfa_he":-14300,"tw":-10100,"age":36,"inc":46533,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-14800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":90000,"hequity":100000,"nifa":249,"net_nifa":-3751,"tfa":249,"net_tfa":-3751,"tfa_he":96249,"tw":104249,"age":38,"inc":45027,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":-3751,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":70000,"hmort":61000,"hequity":9000,"nifa":0,"net_nifa":0,"tfa":6000,"net_tfa":6000,"tfa_he":15000,"tw":15000,"age":30,"inc":36720,"fsize":3,"educ":8,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4700,"a401":15000,"hval":65000,"hmort":0,"hequity":65000,"nifa":24000,"net_nifa":23600,"tfa":43700,"net_tfa":43300,"tfa_he":108300,"tw":122200,"age":53,"inc":60282,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":28300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":76000,"hmort":28000,"hequity":48000,"nifa":288,"net_nifa":-1567,"tfa":1288,"net_tfa":-567,"tfa_he":47433,"tw":54233,"age":26,"inc":22914,"fsize":4,"educ":1,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-1567,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":33000,"hval":45000,"hmort":18500,"hequity":26500,"nifa":25175,"net_nifa":24775,"tfa":58175,"net_tfa":57775,"tfa_he":84275,"tw":99594,"age":36,"inc":69003,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":24775,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":52000,"hequity":8000,"nifa":100,"net_nifa":-5900,"tfa":100,"net_tfa":-5900,"tfa_he":2100,"tw":3037,"age":36,"inc":77469,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":-5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":40000,"hval":60000,"hmort":38500,"hequity":21500,"nifa":6250,"net_nifa":5650,"tfa":46250,"net_tfa":45650,"tfa_he":67150,"tw":94150,"age":42,"inc":52758,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":5650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":250,"hval":100000,"hmort":69000,"hequity":31000,"nifa":0,"net_nifa":0,"tfa":250,"net_tfa":250,"tfa_he":31250,"tw":40750,"age":42,"inc":24132,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24164,"a401":5200,"hval":150000,"hmort":35000,"hequity":115000,"nifa":99847,"net_nifa":99647,"tfa":129211,"net_tfa":129011,"tfa_he":244011,"tw":387011,"age":44,"inc":56802,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":123811,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":1500,"net_nifa":1000,"tfa":7500,"net_tfa":7000,"tfa_he":7000,"tw":14400,"age":25,"inc":33630,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":42000,"hval":0,"hmort":0,"hequity":0,"nifa":700,"net_nifa":-2020,"tfa":42700,"net_tfa":39980,"tfa_he":39980,"tw":42480,"age":36,"inc":19296,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-2020,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":58000,"hmort":38500,"hequity":19500,"nifa":2203,"net_nifa":203,"tfa":14203,"net_tfa":12203,"tfa_he":31703,"tw":32103,"age":35,"inc":39876,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":203,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1225,"net_nifa":-6545,"tfa":1225,"net_tfa":-6545,"tfa_he":-6545,"tw":-6545,"age":26,"inc":45651,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-6545,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":100000,"hmort":34000,"hequity":66000,"nifa":31210,"net_nifa":9704,"tfa":35210,"net_tfa":13704,"tfa_he":79704,"tw":93704,"age":37,"inc":81432,"fsize":4,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":9704,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":120000,"hmort":83000,"hequity":37000,"nifa":12600,"net_nifa":12600,"tfa":37600,"net_tfa":37600,"tfa_he":74600,"tw":81843,"age":27,"inc":44160,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":12600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":38000,"net_nifa":33000,"tfa":42000,"net_tfa":37000,"tfa_he":37000,"tw":37050,"age":30,"inc":80250,"fsize":1,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.43946,"net_n401":33000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3200,"hval":300000,"hmort":26000,"hequity":274000,"nifa":919,"net_nifa":-1081,"tfa":4119,"net_tfa":2119,"tfa_he":276119,"tw":276119,"age":42,"inc":31596,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1081,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":240,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-900,"tfa":240,"net_tfa":-660,"tfa_he":-660,"tw":-660,"age":46,"inc":20406,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-900,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":26500,"hmort":26500,"hequity":0,"nifa":3700,"net_nifa":2700,"tfa":3700,"net_tfa":2700,"tfa_he":2700,"tw":2700,"age":39,"inc":45564,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":65000,"hmort":39000,"hequity":26000,"nifa":6806,"net_nifa":6006,"tfa":14806,"net_tfa":14006,"tfa_he":40006,"tw":45006,"age":37,"inc":33174,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":6006,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":75000,"hval":275000,"hmort":95000,"hequity":180000,"nifa":192136,"net_nifa":191136,"tfa":296136,"net_tfa":295136,"tfa_he":475136,"tw":904136,"age":50,"inc":61158,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":220136,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":136000,"hequity":14000,"nifa":1200,"net_nifa":-10800,"tfa":1200,"net_tfa":-10800,"tfa_he":3200,"tw":6550,"age":42,"inc":38316,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-10800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7600,"a401":4000,"hval":50000,"hmort":20000,"hequity":30000,"nifa":1300,"net_nifa":-3275,"tfa":12900,"net_tfa":8325,"tfa_he":38325,"tw":95836,"age":57,"inc":84927,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":4325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":11550,"hval":160000,"hmort":99000,"hequity":61000,"nifa":11494,"net_nifa":10294,"tfa":23044,"net_tfa":21844,"tfa_he":82844,"tw":82844,"age":36,"inc":50025,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":10294,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":18000,"hmort":0,"hequity":18000,"nifa":1050,"net_nifa":1050,"tfa":1050,"net_tfa":1050,"tfa_he":19050,"tw":19050,"age":45,"inc":24018,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":1050,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":50000,"a401":9000,"hval":300000,"hmort":60000,"hequity":240000,"nifa":0,"net_nifa":-2200,"tfa":59000,"net_tfa":56800,"tfa_he":296800,"tw":297700,"age":44,"inc":28125,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.2696,"net_n401":47800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":70000,"hval":200000,"hmort":10700,"hequity":189300,"nifa":69400,"net_nifa":67400,"tfa":139400,"net_tfa":137400,"tfa_he":326700,"tw":326700,"age":50,"inc":75120,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":67400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":24189,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":18800,"net_nifa":17925,"tfa":42989,"net_tfa":42114,"tfa_he":132114,"tw":132114,"age":41,"inc":58368,"fsize":5,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":42114,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10750,"a401":17500,"hval":165000,"hmort":130000,"hequity":35000,"nifa":26800,"net_nifa":26800,"tfa":55050,"net_tfa":55050,"tfa_he":90050,"tw":195050,"age":33,"inc":95472,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":26000,"hmort":26000,"hequity":0,"nifa":250,"net_nifa":-1918,"tfa":780,"net_tfa":-1388,"tfa_he":-1388,"tw":612,"age":34,"inc":17955,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1918,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":72536,"hequity":7464,"nifa":1101,"net_nifa":-7119,"tfa":1101,"net_tfa":-7119,"tfa_he":345,"tw":35345,"age":42,"inc":40557,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-7119,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":200000,"hmort":15900,"hequity":184100,"nifa":1200,"net_nifa":1200,"tfa":4200,"net_tfa":4200,"tfa_he":188300,"tw":188800,"age":36,"inc":20160,"fsize":5,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":1200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":90000,"hmort":0,"hequity":90000,"nifa":2100,"net_nifa":-19900,"tfa":5100,"net_tfa":-16900,"tfa_he":73100,"tw":87100,"age":40,"inc":86868,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-19900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":30000,"a401":0,"hval":300000,"hmort":0,"hequity":300000,"nifa":80000,"net_nifa":80000,"tfa":110000,"net_tfa":110000,"tfa_he":410000,"tw":459575,"age":56,"inc":27945,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":110000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":140000,"hmort":73000,"hequity":67000,"nifa":48531,"net_nifa":46931,"tfa":48531,"net_tfa":46931,"tfa_he":113931,"tw":113931,"age":44,"inc":69156,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":46931,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":1200,"net_nifa":-6400,"tfa":3200,"net_tfa":-4400,"tfa_he":-4400,"tw":-525,"age":25,"inc":27615,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-6400,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2800,"a401":2000,"hval":33000,"hmort":15000,"hequity":18000,"nifa":9900,"net_nifa":4700,"tfa":14700,"net_tfa":9500,"tfa_he":27500,"tw":33350,"age":36,"inc":20562,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26587,"net_n401":7500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4304,"hval":150000,"hmort":68000,"hequity":82000,"nifa":10599,"net_nifa":10599,"tfa":14903,"net_tfa":14903,"tfa_he":96903,"tw":102903,"age":49,"inc":38511,"fsize":2,"educ":8,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":10599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":38000,"a401":0,"hval":85000,"hmort":70000,"hequity":15000,"nifa":11099,"net_nifa":11099,"tfa":49099,"net_tfa":49099,"tfa_he":64099,"tw":98865,"age":48,"inc":10149,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.31086,"net_n401":49099,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2800,"hval":140000,"hmort":89000,"hequity":51000,"nifa":1671,"net_nifa":-5829,"tfa":4471,"net_tfa":-3029,"tfa_he":47971,"tw":47971,"age":46,"inc":44949,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-5829,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":57000,"a401":0,"hval":300000,"hmort":25000,"hequity":275000,"nifa":11200,"net_nifa":-700,"tfa":68200,"net_tfa":56300,"tfa_he":331300,"tw":331300,"age":57,"inc":43398,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":56300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5150,"net_nifa":4550,"tfa":5150,"net_tfa":4550,"tfa_he":4550,"tw":4550,"age":26,"inc":20460,"fsize":1,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":4550,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":20000,"hval":100000,"hmort":15000,"hequity":85000,"nifa":345,"net_nifa":-5255,"tfa":30345,"net_tfa":24745,"tfa_he":109745,"tw":109745,"age":52,"inc":28233,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":4745,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2200,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":2200,"net_tfa":2200,"tfa_he":2200,"tw":4000,"age":26,"inc":18198,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":24000,"a401":7800,"hval":125000,"hmort":32000,"hequity":93000,"nifa":500,"net_nifa":-2500,"tfa":32300,"net_tfa":29300,"tfa_he":122300,"tw":125800,"age":52,"inc":37887,"fsize":2,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.54491,"net_n401":21500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2300,"hval":60000,"hmort":50000,"hequity":10000,"nifa":1900,"net_nifa":-4100,"tfa":4200,"net_tfa":-1800,"tfa_he":8200,"tw":12900,"age":43,"inc":27354,"fsize":3,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-4100,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":56000,"hval":109000,"hmort":109000,"hequity":0,"nifa":1725,"net_nifa":-14275,"tfa":57725,"net_tfa":41725,"tfa_he":41725,"tw":42645,"age":37,"inc":83868,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":-14275,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":75000,"hmort":23000,"hequity":52000,"nifa":111468,"net_nifa":110768,"tfa":112468,"net_tfa":111768,"tfa_he":163768,"tw":181768,"age":48,"inc":84000,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":110768,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":72000,"hval":160000,"hmort":60000,"hequity":100000,"nifa":11000,"net_nifa":9550,"tfa":83000,"net_tfa":81550,"tfa_he":181550,"tw":181550,"age":38,"inc":89388,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":9550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3500,"a401":150,"hval":0,"hmort":0,"hequity":0,"nifa":16949,"net_nifa":13449,"tfa":20599,"net_tfa":17099,"tfa_he":17099,"tw":17224,"age":39,"inc":59616,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":16949,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":62000,"hval":65000,"hmort":13000,"hequity":52000,"nifa":75,"net_nifa":-525,"tfa":62075,"net_tfa":61475,"tfa_he":113475,"tw":125528,"age":47,"inc":17280,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":-525,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7500,"a401":1000,"hval":260000,"hmort":150000,"hequity":110000,"nifa":14500,"net_nifa":10500,"tfa":23000,"net_tfa":19000,"tfa_he":129000,"tw":138000,"age":38,"inc":99030,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":18000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":30000,"tw":30000,"age":58,"inc":9744,"fsize":3,"educ":4,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":1,"ecat":1,"zhat":0.375,"net_n401":0,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-8000,"tfa":0,"net_tfa":-8000,"tfa_he":-8000,"tw":-8000,"age":40,"inc":33714,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-8000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10800,"a401":5000,"hval":85000,"hmort":15000,"hequity":70000,"nifa":55815,"net_nifa":55515,"tfa":82315,"net_tfa":82015,"tfa_he":152015,"tw":164015,"age":51,"inc":66477,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":66315,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":170000,"hmort":36000,"hequity":134000,"nifa":1500,"net_nifa":-3600,"tfa":1500,"net_tfa":-3600,"tfa_he":130400,"tw":130400,"age":54,"inc":29370,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6075,"hval":0,"hmort":0,"hequity":0,"nifa":1799,"net_nifa":-7201,"tfa":7874,"net_tfa":-1126,"tfa_he":-1126,"tw":-1126,"age":36,"inc":39366,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-7201,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":160000,"hmort":60000,"hequity":100000,"nifa":22000,"net_nifa":15000,"tfa":57000,"net_tfa":50000,"tfa_he":150000,"tw":160000,"age":59,"inc":49245,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":15000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":251,"net_nifa":-38523,"tfa":251,"net_tfa":-38523,"tfa_he":-38523,"tw":-35023,"age":40,"inc":44493,"fsize":3,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.59958,"net_n401":-38523,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":41000,"hmort":41000,"hequity":0,"nifa":10000,"net_nifa":8200,"tfa":16000,"net_tfa":14200,"tfa_he":14200,"tw":44200,"age":56,"inc":73305,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":14200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":200,"a401":1500,"hval":18000,"hmort":18000,"hequity":0,"nifa":1500,"net_nifa":0,"tfa":3200,"net_tfa":1700,"tfa_he":1700,"tw":9942,"age":25,"inc":25380,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":130000,"hmort":38600,"hequity":91400,"nifa":10500,"net_nifa":8970,"tfa":16500,"net_tfa":14970,"tfa_he":106370,"tw":108245,"age":59,"inc":67104,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":14970,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":26000,"a401":0,"hval":45000,"hmort":0,"hequity":45000,"nifa":40500,"net_nifa":39750,"tfa":66500,"net_tfa":65750,"tfa_he":110750,"tw":118231,"age":57,"inc":55635,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":65750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":51550,"a401":13000,"hval":110000,"hmort":73000,"hequity":37000,"nifa":6647,"net_nifa":6647,"tfa":71197,"net_tfa":71197,"tfa_he":108197,"tw":228197,"age":60,"inc":55545,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":58197,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":84000,"hequity":1000,"nifa":1250,"net_nifa":250,"tfa":1250,"net_tfa":250,"tfa_he":1250,"tw":32250,"age":32,"inc":35607,"fsize":6,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":500,"hval":80000,"hmort":42000,"hequity":38000,"nifa":14499,"net_nifa":13799,"tfa":19999,"net_tfa":19299,"tfa_he":57299,"tw":61799,"age":61,"inc":86442,"fsize":2,"educ":18,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":18799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":70000,"hmort":58500,"hequity":11500,"nifa":1100,"net_nifa":-4875,"tfa":1100,"net_tfa":-4875,"tfa_he":6625,"tw":6625,"age":31,"inc":27120,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-4875,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1600,"hval":0,"hmort":0,"hequity":0,"nifa":799,"net_nifa":-14801,"tfa":2399,"net_tfa":-13201,"tfa_he":-13201,"tw":-9201,"age":27,"inc":54708,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-14801,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":950,"hval":41000,"hmort":40000,"hequity":1000,"nifa":15000,"net_nifa":14700,"tfa":15950,"net_tfa":15650,"tfa_he":16650,"tw":21050,"age":58,"inc":16200,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.40413,"net_n401":14700,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":640,"hval":74000,"hmort":56900,"hequity":17100,"nifa":1935,"net_nifa":-10565,"tfa":2575,"net_tfa":-9925,"tfa_he":7175,"tw":11175,"age":28,"inc":54846,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-10565,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":22000,"hequity":18000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":18000,"tw":18000,"age":51,"inc":22500,"fsize":1,"educ":9,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":52000,"a401":0,"hval":80000,"hmort":72000,"hequity":8000,"nifa":44680,"net_nifa":41280,"tfa":96680,"net_tfa":93280,"tfa_he":101280,"tw":149280,"age":54,"inc":61194,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":93280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10000,"a401":0,"hval":100000,"hmort":0,"hequity":100000,"nifa":749,"net_nifa":-751,"tfa":10749,"net_tfa":9249,"tfa_he":109249,"tw":109249,"age":62,"inc":31059,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":9249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":13000,"hmort":0,"hequity":13000,"nifa":3100,"net_nifa":1100,"tfa":3100,"net_tfa":1100,"tfa_he":14100,"tw":14100,"age":58,"inc":10863,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1100,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-50,"tfa":4000,"net_tfa":3950,"tfa_he":3950,"tw":3950,"age":53,"inc":25257,"fsize":6,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":1950,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3500,"hval":50000,"hmort":17500,"hequity":32500,"nifa":1305,"net_nifa":-95,"tfa":4805,"net_tfa":3405,"tfa_he":35905,"tw":35905,"age":56,"inc":24243,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-95,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":14500,"a401":0,"hval":83000,"hmort":83000,"hequity":0,"nifa":35699,"net_nifa":31663,"tfa":75605,"net_tfa":71569,"tfa_he":71569,"tw":74569,"age":39,"inc":39705,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.35249,"net_n401":46163,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":27000,"hmort":27000,"hequity":0,"nifa":2700,"net_nifa":-2000,"tfa":32700,"net_tfa":28000,"tfa_he":28000,"tw":36000,"age":55,"inc":37377,"fsize":3,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":54353,"a401":10914,"hval":65000,"hmort":0,"hequity":65000,"nifa":124,"net_nifa":124,"tfa":65391,"net_tfa":65391,"tfa_he":130391,"tw":155691,"age":50,"inc":65565,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":54477,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4700,"hval":169000,"hmort":134000,"hequity":35000,"nifa":13050,"net_nifa":3550,"tfa":17750,"net_tfa":8250,"tfa_he":43250,"tw":43250,"age":29,"inc":143781,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":3550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":500,"hval":40000,"hmort":0,"hequity":40000,"nifa":47000,"net_nifa":47000,"tfa":50100,"net_tfa":50100,"tfa_he":90100,"tw":114100,"age":42,"inc":52416,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":49600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":15300,"net_nifa":-12800,"tfa":15300,"net_tfa":-12800,"tfa_he":-12800,"tw":-10050,"age":28,"inc":57900,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-12800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":45000,"hmort":28000,"hequity":17000,"nifa":1500,"net_nifa":1000,"tfa":3000,"net_tfa":2500,"tfa_he":19500,"tw":22275,"age":51,"inc":30144,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":809,"a401":7000,"hval":50000,"hmort":6500,"hequity":43500,"nifa":200,"net_nifa":200,"tfa":8009,"net_tfa":8009,"tfa_he":51509,"tw":51509,"age":62,"inc":21924,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":1009,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":120000,"hmort":0,"hequity":120000,"nifa":89509,"net_nifa":89509,"tfa":89509,"net_tfa":89509,"tfa_he":209509,"tw":309509,"age":57,"inc":28113,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":89509,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":35000,"hval":115000,"hmort":76000,"hequity":39000,"nifa":8000,"net_nifa":7800,"tfa":43000,"net_tfa":42800,"tfa_he":81800,"tw":181800,"age":45,"inc":68610,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-3200,"tfa":2800,"net_tfa":-700,"tfa_he":-700,"tw":15300,"age":41,"inc":43470,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.32432,"net_n401":-3200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":700,"tfa":19000,"net_tfa":18700,"tfa_he":18700,"tw":24700,"age":41,"inc":75321,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43946,"net_n401":700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":34990,"a401":13125,"hval":0,"hmort":0,"hequity":0,"nifa":3944,"net_nifa":-2056,"tfa":52059,"net_tfa":46059,"tfa_he":46059,"tw":52484,"age":37,"inc":57768,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.63866,"net_n401":32934,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22701,"a401":22701,"hval":185000,"hmort":65000,"hequity":120000,"nifa":4100,"net_nifa":1220,"tfa":49502,"net_tfa":46622,"tfa_he":166622,"tw":176572,"age":44,"inc":57828,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23921,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":14101,"a401":33000,"hval":70000,"hmort":32000,"hequity":38000,"nifa":25254,"net_nifa":20014,"tfa":72355,"net_tfa":67115,"tfa_he":105115,"tw":106975,"age":44,"inc":55833,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":34115,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":2200,"net_nifa":-800,"tfa":3200,"net_tfa":200,"tfa_he":200,"tw":1200,"age":36,"inc":24009,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12600,"net_nifa":5400,"tfa":12600,"net_tfa":5400,"tfa_he":5400,"tw":10400,"age":32,"inc":34215,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.2952,"net_n401":5400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1426,"hval":240000,"hmort":100000,"hequity":140000,"nifa":3400,"net_nifa":2700,"tfa":4826,"net_tfa":4126,"tfa_he":144126,"tw":144126,"age":37,"inc":60927,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":2700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":390,"hval":0,"hmort":0,"hequity":0,"nifa":9000,"net_nifa":7800,"tfa":9390,"net_tfa":8190,"tfa_he":8190,"tw":12190,"age":27,"inc":38640,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.58963,"net_n401":7800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":42499,"net_nifa":38799,"tfa":47499,"net_tfa":43799,"tfa_he":43799,"tw":43799,"age":46,"inc":30933,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.30866,"net_n401":38799,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":35000,"a401":25000,"hval":0,"hmort":0,"hequity":0,"nifa":1899,"net_nifa":1899,"tfa":61899,"net_tfa":61899,"tfa_he":61899,"tw":271952,"age":58,"inc":32118,"fsize":1,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":36899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10605,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":650,"tfa":11255,"net_tfa":11255,"tfa_he":11255,"tw":14675,"age":38,"inc":37800,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":650,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":500,"a401":0,"hval":200000,"hmort":107000,"hequity":93000,"nifa":800,"net_nifa":-700,"tfa":1300,"net_tfa":-200,"tfa_he":92800,"tw":127800,"age":34,"inc":47547,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":50100,"a401":0,"hval":90000,"hmort":57500,"hequity":32500,"nifa":15500,"net_nifa":12500,"tfa":65600,"net_tfa":62600,"tfa_he":95100,"tw":102100,"age":39,"inc":50979,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":62600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":120000,"hmort":105000,"hequity":15000,"nifa":3500,"net_nifa":3500,"tfa":4700,"net_tfa":4700,"tfa_he":19700,"tw":23475,"age":32,"inc":36300,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":3500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":50000,"hmort":32000,"hequity":18000,"nifa":0,"net_nifa":-14000,"tfa":2300,"net_tfa":-11700,"tfa_he":6300,"tw":18300,"age":34,"inc":63606,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-14000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1200,"a401":80000,"hval":250000,"hmort":130000,"hequity":120000,"nifa":122000,"net_nifa":122000,"tfa":203200,"net_tfa":203200,"tfa_he":323200,"tw":325700,"age":39,"inc":97845,"fsize":2,"educ":14,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":123200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":160000,"hmort":97500,"hequity":62500,"nifa":4440,"net_nifa":1376,"tfa":19440,"net_tfa":16376,"tfa_he":78876,"tw":81126,"age":31,"inc":44871,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":1376,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":60000,"hmort":42000,"hequity":18000,"nifa":8510,"net_nifa":8310,"tfa":18510,"net_tfa":18310,"tfa_he":36310,"tw":40210,"age":34,"inc":15756,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":8310,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-4100,"tfa":0,"net_tfa":-4100,"tfa_he":-4100,"tw":-4100,"age":36,"inc":30972,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-4100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":118000,"hmort":79000,"hequity":39000,"nifa":8500,"net_nifa":4500,"tfa":8500,"net_tfa":4500,"tfa_he":43500,"tw":50243,"age":43,"inc":21960,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":75000,"hval":170000,"hmort":100000,"hequity":70000,"nifa":6100,"net_nifa":4700,"tfa":81100,"net_tfa":79700,"tfa_he":149700,"tw":173700,"age":43,"inc":69000,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":12000,"hequity":168000,"nifa":779,"net_nifa":779,"tfa":779,"net_tfa":779,"tfa_he":168779,"tw":168779,"age":62,"inc":29784,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":779,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":30000,"a401":0,"hval":38000,"hmort":28000,"hequity":10000,"nifa":200,"net_nifa":-9110,"tfa":30200,"net_tfa":20890,"tfa_he":30890,"tw":36833,"age":46,"inc":43452,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":20890,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":0,"hequity":80000,"nifa":720,"net_nifa":-3380,"tfa":720,"net_tfa":-3380,"tfa_he":76620,"tw":76620,"age":28,"inc":25245,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.39785,"net_n401":-3380,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":90000,"hmort":23000,"hequity":67000,"nifa":500,"net_nifa":-1600,"tfa":3500,"net_tfa":1400,"tfa_he":68400,"tw":68400,"age":41,"inc":29121,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-1600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":15000,"hequity":50000,"nifa":1100,"net_nifa":-900,"tfa":1100,"net_tfa":-900,"tfa_he":49100,"tw":51100,"age":43,"inc":36612,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":-900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":48000,"hmort":28000,"hequity":20000,"nifa":1000,"net_nifa":-2000,"tfa":5000,"net_tfa":2000,"tfa_he":22000,"tw":29000,"age":50,"inc":29784,"fsize":4,"educ":7,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.39785,"net_n401":-2000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":323,"hval":60000,"hmort":35000,"hequity":25000,"nifa":275,"net_nifa":-7725,"tfa":598,"net_tfa":-7402,"tfa_he":17598,"tw":20623,"age":33,"inc":19650,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-7725,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":15000,"hval":150000,"hmort":18000,"hequity":132000,"nifa":18200,"net_nifa":18200,"tfa":65200,"net_tfa":65200,"tfa_he":197200,"tw":214950,"age":59,"inc":32196,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.61749,"net_n401":20200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":27000,"a401":38000,"hval":100000,"hmort":36000,"hequity":64000,"nifa":13200,"net_nifa":12900,"tfa":78200,"net_tfa":77900,"tfa_he":141900,"tw":144900,"age":62,"inc":48138,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":39900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":40000,"hmort":40000,"hequity":0,"nifa":26000,"net_nifa":20000,"tfa":26000,"net_tfa":20000,"tfa_he":20000,"tw":20000,"age":39,"inc":59700,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":14000,"hval":150000,"hmort":92000,"hequity":58000,"nifa":14800,"net_nifa":13100,"tfa":30300,"net_tfa":28600,"tfa_he":86600,"tw":102600,"age":43,"inc":73641,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":14600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18600,"hval":90000,"hmort":25000,"hequity":65000,"nifa":39419,"net_nifa":39419,"tfa":58019,"net_tfa":58019,"tfa_he":123019,"tw":124394,"age":47,"inc":43854,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.53158,"net_n401":39419,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":35000,"hmort":0,"hequity":35000,"nifa":3099,"net_nifa":-6201,"tfa":3099,"net_tfa":-6201,"tfa_he":28799,"tw":28799,"age":46,"inc":31116,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-6201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":85000,"hmort":40000,"hequity":45000,"nifa":1000,"net_nifa":-4000,"tfa":8000,"net_tfa":3000,"tfa_he":48000,"tw":50300,"age":42,"inc":62112,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":38000,"hval":90000,"hmort":50000,"hequity":40000,"nifa":3298,"net_nifa":-7402,"tfa":58298,"net_tfa":47598,"tfa_he":87598,"tw":88778,"age":46,"inc":69780,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":9598,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":500,"hmort":0,"hequity":500,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":500,"tw":3800,"age":42,"inc":29070,"fsize":2,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":74000,"hmort":68000,"hequity":6000,"nifa":3487,"net_nifa":3487,"tfa":3487,"net_tfa":3487,"tfa_he":9487,"tw":16487,"age":26,"inc":44394,"fsize":2,"educ":14,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":3487,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":35262,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":9500,"net_nifa":9500,"tfa":44762,"net_tfa":44762,"tfa_he":74762,"tw":77762,"age":47,"inc":38256,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":44762,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2700,"hval":75000,"hmort":40000,"hequity":35000,"nifa":6062,"net_nifa":2462,"tfa":8762,"net_tfa":5162,"tfa_he":40162,"tw":54787,"age":36,"inc":36354,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":2462,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":2650,"net_nifa":2150,"tfa":4650,"net_tfa":4150,"tfa_he":4150,"tw":33150,"age":47,"inc":38772,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":2150,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":20000,"a401":80000,"hval":75000,"hmort":22000,"hequity":53000,"nifa":66498,"net_nifa":44498,"tfa":166498,"net_tfa":144498,"tfa_he":197498,"tw":277498,"age":62,"inc":50373,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":64498,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":42000,"a401":3900,"hval":120000,"hmort":35000,"hequity":85000,"nifa":62000,"net_nifa":54000,"tfa":107900,"net_tfa":99900,"tfa_he":184900,"tw":184900,"age":50,"inc":84069,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":96000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19000,"a401":25000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":99600,"net_nifa":98100,"tfa":143600,"net_tfa":142100,"tfa_he":292100,"tw":292100,"age":37,"inc":191715,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":117100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":220000,"hmort":150000,"hequity":70000,"nifa":1675,"net_nifa":-13325,"tfa":1675,"net_tfa":-13325,"tfa_he":56675,"tw":58175,"age":34,"inc":33669,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":-13325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7000,"a401":22000,"hval":80000,"hmort":29000,"hequity":51000,"nifa":97100,"net_nifa":96179,"tfa":126100,"net_tfa":125179,"tfa_he":176179,"tw":197429,"age":45,"inc":22953,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":103179,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3706,"hval":175000,"hmort":112000,"hequity":63000,"nifa":6000,"net_nifa":4500,"tfa":9706,"net_tfa":8206,"tfa_he":71206,"tw":71206,"age":37,"inc":59028,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":4500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":92000,"hequity":108000,"nifa":835,"net_nifa":-1665,"tfa":835,"net_tfa":-1665,"tfa_he":106335,"tw":106335,"age":44,"inc":57396,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1665,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":120000,"hmort":85500,"hequity":34500,"nifa":3400,"net_nifa":-7000,"tfa":5900,"net_tfa":-4500,"tfa_he":30000,"tw":30000,"age":32,"inc":53322,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":38000,"hmort":33000,"hequity":5000,"nifa":200,"net_nifa":200,"tfa":600,"net_tfa":600,"tfa_he":5600,"tw":5600,"age":33,"inc":25500,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1091,"hval":75000,"hmort":56000,"hequity":19000,"nifa":1749,"net_nifa":-251,"tfa":2840,"net_tfa":840,"tfa_he":19840,"tw":26840,"age":34,"inc":56058,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-251,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":900,"hval":69000,"hmort":41500,"hequity":27500,"nifa":700,"net_nifa":675,"tfa":1600,"net_tfa":1575,"tfa_he":29075,"tw":29075,"age":52,"inc":16644,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.15826,"net_n401":675,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3900,"hval":60000,"hmort":44000,"hequity":16000,"nifa":5245,"net_nifa":4445,"tfa":9145,"net_tfa":8345,"tfa_he":24345,"tw":27145,"age":38,"inc":35718,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":4445,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1000,"a401":4500,"hval":43000,"hmort":30000,"hequity":13000,"nifa":2400,"net_nifa":-7700,"tfa":7900,"net_tfa":-2200,"tfa_he":10800,"tw":63800,"age":51,"inc":46008,"fsize":5,"educ":10,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.71967,"net_n401":-6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":15700,"a401":20000,"hval":100000,"hmort":10000,"hequity":90000,"nifa":45749,"net_nifa":45612,"tfa":81449,"net_tfa":81312,"tfa_he":171312,"tw":188312,"age":59,"inc":71568,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":61312,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":41500,"hval":95000,"hmort":95000,"hequity":0,"nifa":1500,"net_nifa":890,"tfa":43000,"net_tfa":42390,"tfa_he":42390,"tw":44171,"age":27,"inc":30792,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":890,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":7301,"net_nifa":7255,"tfa":7301,"net_tfa":7255,"tfa_he":7255,"tw":45480,"age":27,"inc":23913,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.53157,"net_n401":7255,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":25358,"net_nifa":24908,"tfa":35358,"net_tfa":34908,"tfa_he":34908,"tw":34908,"age":43,"inc":31239,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":24908,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":175000,"hmort":60000,"hequity":115000,"nifa":14599,"net_nifa":14599,"tfa":14599,"net_tfa":14599,"tfa_he":129599,"tw":146599,"age":49,"inc":107559,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":14599,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":6,"net_nifa":-2474,"tfa":6,"net_tfa":-2474,"tfa_he":-2474,"tw":-2474,"age":40,"inc":25614,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-2474,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":51500,"a401":50000,"hval":84000,"hmort":18000,"hequity":66000,"nifa":70350,"net_nifa":70350,"tfa":171850,"net_tfa":171850,"tfa_he":237850,"tw":337850,"age":47,"inc":62553,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":121850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-9000,"tfa":1000,"net_tfa":-9000,"tfa_he":-9000,"tw":-6350,"age":39,"inc":63690,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":-9000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":119000,"hequity":31000,"nifa":3874,"net_nifa":3874,"tfa":3874,"net_tfa":3874,"tfa_he":34874,"tw":34874,"age":56,"inc":56343,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":3874,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":-6700,"tfa":1300,"net_tfa":-6700,"tfa_he":-6700,"tw":-6700,"age":33,"inc":48705,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-6700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":38,"inc":22806,"fsize":1,"educ":5,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20604,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":52000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":34998,"net_nifa":34998,"tfa":88998,"net_tfa":88998,"tfa_he":238998,"tw":438998,"age":53,"inc":39600,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.35249,"net_n401":36998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20,"hval":35000,"hmort":17900,"hequity":17100,"nifa":6500,"net_nifa":6300,"tfa":6520,"net_tfa":6320,"tfa_he":23420,"tw":25420,"age":38,"inc":40350,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":6300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":70000,"hmort":55000,"hequity":15000,"nifa":52248,"net_nifa":50248,"tfa":82248,"net_tfa":80248,"tfa_he":95248,"tw":144048,"age":48,"inc":50772,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":50248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":67000,"hmort":30000,"hequity":37000,"nifa":2020,"net_nifa":1960,"tfa":2020,"net_tfa":1960,"tfa_he":38960,"tw":41560,"age":29,"inc":27096,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1960,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":19000,"hval":155000,"hmort":35000,"hequity":120000,"nifa":2100,"net_nifa":1100,"tfa":21100,"net_tfa":20100,"tfa_he":140100,"tw":140100,"age":52,"inc":91992,"fsize":8,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":130000,"hmort":0,"hequity":130000,"nifa":2500,"net_nifa":2500,"tfa":52500,"net_tfa":52500,"tfa_he":182500,"tw":182500,"age":63,"inc":17442,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":99400,"hmort":84600,"hequity":14800,"nifa":24630,"net_nifa":15630,"tfa":24630,"net_tfa":15630,"tfa_he":30430,"tw":30430,"age":48,"inc":121701,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":15630,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1300,"a401":4497,"hval":0,"hmort":0,"hequity":0,"nifa":1769,"net_nifa":-1031,"tfa":7566,"net_tfa":4766,"tfa_he":4766,"tw":4766,"age":33,"inc":52737,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.35337,"net_n401":269,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":-800,"tfa":1300,"net_tfa":400,"tfa_he":400,"tw":3375,"age":28,"inc":30129,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":10000,"hequity":65000,"nifa":15204,"net_nifa":14204,"tfa":15204,"net_tfa":14204,"tfa_he":79204,"tw":88204,"age":56,"inc":44220,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":14204,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":42500,"hval":78400,"hmort":78400,"hequity":0,"nifa":300,"net_nifa":-200,"tfa":42800,"net_tfa":42300,"tfa_he":42300,"tw":42300,"age":43,"inc":29688,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6420,"hval":72000,"hmort":48000,"hequity":24000,"nifa":2224,"net_nifa":1324,"tfa":8644,"net_tfa":7744,"tfa_he":31744,"tw":34244,"age":37,"inc":36882,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1324,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":24000,"a401":73800,"hval":235000,"hmort":150000,"hequity":85000,"nifa":2024,"net_nifa":-22246,"tfa":99824,"net_tfa":75554,"tfa_he":160554,"tw":268054,"age":35,"inc":86472,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":1754,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":14000,"hval":100000,"hmort":94000,"hequity":6000,"nifa":3747,"net_nifa":2247,"tfa":17747,"net_tfa":16247,"tfa_he":22247,"tw":32247,"age":50,"inc":71205,"fsize":2,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":2247,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":2165,"net_nifa":1465,"tfa":2565,"net_tfa":1865,"tfa_he":1865,"tw":9865,"age":40,"inc":45279,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":1465,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":84000,"hmort":56000,"hequity":28000,"nifa":30000,"net_nifa":28209,"tfa":30000,"net_tfa":28209,"tfa_he":56209,"tw":121189,"age":44,"inc":51717,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.74723,"net_n401":28209,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":200,"tfa":200,"net_tfa":200,"tfa_he":200,"tw":1700,"age":45,"inc":14625,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":200,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":900,"hval":120000,"hmort":65000,"hequity":55000,"nifa":7899,"net_nifa":4999,"tfa":8799,"net_tfa":5899,"tfa_he":60899,"tw":79899,"age":40,"inc":67434,"fsize":4,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":4999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21000,"a401":56000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":24800,"net_nifa":24300,"tfa":101800,"net_tfa":101300,"tfa_he":251300,"tw":251300,"age":43,"inc":142569,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":45300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":110000,"hmort":80000,"hequity":30000,"nifa":5120,"net_nifa":1720,"tfa":5120,"net_tfa":1720,"tfa_he":31720,"tw":40220,"age":30,"inc":58155,"fsize":6,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1720,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":16825,"hval":139000,"hmort":105500,"hequity":33500,"nifa":100,"net_nifa":100,"tfa":16925,"net_tfa":16925,"tfa_he":50425,"tw":50425,"age":34,"inc":42006,"fsize":4,"educ":13,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8400,"a401":5000,"hval":120000,"hmort":120000,"hequity":0,"nifa":18999,"net_nifa":18999,"tfa":94399,"net_tfa":94399,"tfa_he":94399,"tw":326399,"age":63,"inc":56700,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":27399,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":45000,"hval":150000,"hmort":75000,"hequity":75000,"nifa":106998,"net_nifa":106998,"tfa":151998,"net_tfa":151998,"tfa_he":226998,"tw":267598,"age":57,"inc":49959,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":106998,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":18000,"hval":245000,"hmort":150000,"hequity":95000,"nifa":502,"net_nifa":-4798,"tfa":18502,"net_tfa":13202,"tfa_he":108202,"tw":108202,"age":39,"inc":40392,"fsize":6,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":-4798,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":29000,"hequity":41000,"nifa":2000,"net_nifa":-6239,"tfa":2000,"net_tfa":-6239,"tfa_he":34761,"tw":49761,"age":56,"inc":56676,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-6239,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10500,"hval":77000,"hmort":70000,"hequity":7000,"nifa":5009,"net_nifa":4899,"tfa":15509,"net_tfa":15399,"tfa_he":22399,"tw":26099,"age":29,"inc":40776,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":4899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":260000,"hmort":106000,"hequity":154000,"nifa":3199,"net_nifa":3199,"tfa":3199,"net_tfa":3199,"tfa_he":157199,"tw":187199,"age":53,"inc":39666,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":3199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":80,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-3700,"tfa":1480,"net_tfa":-3620,"tfa_he":-3620,"tw":-1687,"age":29,"inc":23325,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20298,"net_n401":-3620,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":20000,"a401":80000,"hval":65000,"hmort":0,"hequity":65000,"nifa":13600,"net_nifa":13600,"tfa":113600,"net_tfa":113600,"tfa_he":178600,"tw":178600,"age":47,"inc":52110,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":33600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":26765,"a401":16000,"hval":300000,"hmort":20000,"hequity":280000,"nifa":592867,"net_nifa":587867,"tfa":635632,"net_tfa":630632,"tfa_he":910632,"tw":916507,"age":50,"inc":101331,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":614632,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":15000,"hval":150000,"hmort":0,"hequity":150000,"nifa":200000,"net_nifa":200000,"tfa":227000,"net_tfa":227000,"tfa_he":377000,"tw":377000,"age":35,"inc":135300,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":212000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":75000,"hmort":52000,"hequity":23000,"nifa":1500,"net_nifa":-7800,"tfa":11500,"net_tfa":2200,"tfa_he":25200,"tw":29200,"age":34,"inc":57150,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-7800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":60000,"hmort":60000,"hequity":0,"nifa":560,"net_nifa":-40,"tfa":560,"net_tfa":-40,"tfa_he":-40,"tw":-40,"age":46,"inc":20796,"fsize":4,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-40,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":18000,"hmort":18000,"hequity":0,"nifa":16699,"net_nifa":16499,"tfa":22699,"net_tfa":22499,"tfa_he":22499,"tw":22499,"age":53,"inc":28896,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":16499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":47000,"hmort":35000,"hequity":12000,"nifa":20000,"net_nifa":20000,"tfa":23000,"net_tfa":23000,"tfa_he":35000,"tw":43975,"age":27,"inc":44100,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":20000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":200,"a401":2000,"hval":145000,"hmort":75000,"hequity":70000,"nifa":120248,"net_nifa":120248,"tfa":122448,"net_tfa":122448,"tfa_he":192448,"tw":424623,"age":46,"inc":29526,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":120448,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17500,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":322446,"net_nifa":302446,"tfa":419946,"net_tfa":399946,"tfa_he":549946,"tw":549946,"age":39,"inc":160701,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":319946,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":500,"tw":5000,"age":30,"inc":9180,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":500,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":45000,"hmort":19000,"hequity":26000,"nifa":46399,"net_nifa":45229,"tfa":47899,"net_tfa":46729,"tfa_he":72729,"tw":76779,"age":47,"inc":31908,"fsize":3,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":45229,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4500,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-2200,"tfa":5100,"net_tfa":2300,"tfa_he":2300,"tw":17894,"age":33,"inc":34308,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":65000,"hmort":63000,"hequity":2000,"nifa":100,"net_nifa":-2390,"tfa":2100,"net_tfa":-390,"tfa_he":1610,"tw":8610,"age":31,"inc":51051,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-2390,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2250,"net_nifa":-450,"tfa":2250,"net_tfa":-450,"tfa_he":-450,"tw":550,"age":36,"inc":17736,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-450,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":890,"hval":0,"hmort":0,"hequity":0,"nifa":1300,"net_nifa":50,"tfa":2190,"net_tfa":940,"tfa_he":940,"tw":940,"age":39,"inc":37662,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":4000,"age":29,"inc":27000,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":250000,"hmort":123000,"hequity":127000,"nifa":2000,"net_nifa":1000,"tfa":27000,"net_tfa":26000,"tfa_he":153000,"tw":290000,"age":43,"inc":56154,"fsize":5,"educ":18,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":26000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":2800,"hval":40000,"hmort":0,"hequity":40000,"nifa":1349,"net_nifa":849,"tfa":11149,"net_tfa":10649,"tfa_he":50649,"tw":56649,"age":57,"inc":9462,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.26963,"net_n401":7849,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":100000,"hmort":33750,"hequity":66250,"nifa":1499,"net_nifa":1099,"tfa":2499,"net_tfa":2099,"tfa_he":68349,"tw":71699,"age":31,"inc":60,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":1,"ecat":4,"zhat":0.35361,"net_n401":1099,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":4000,"hval":115000,"hmort":105000,"hequity":10000,"nifa":800,"net_nifa":-18334,"tfa":10800,"net_tfa":-8334,"tfa_he":1666,"tw":21566,"age":45,"inc":101589,"fsize":5,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":-12334,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":10500,"a401":6000,"hval":55000,"hmort":47000,"hequity":8000,"nifa":14240,"net_nifa":14240,"tfa":30740,"net_tfa":30740,"tfa_he":38740,"tw":43240,"age":53,"inc":31350,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.36693,"net_n401":24740,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":240000,"hmort":150000,"hequity":90000,"nifa":545,"net_nifa":-12105,"tfa":12545,"net_tfa":-105,"tfa_he":89895,"tw":89895,"age":35,"inc":86811,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-12105,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":67,"hval":85000,"hmort":18500,"hequity":66500,"nifa":13600,"net_nifa":2100,"tfa":13667,"net_tfa":2167,"tfa_he":68667,"tw":153167,"age":42,"inc":73341,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":8000,"hval":100000,"hmort":25000,"hequity":75000,"nifa":8299,"net_nifa":7299,"tfa":22299,"net_tfa":21299,"tfa_he":96299,"tw":111299,"age":63,"inc":59340,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":13299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":20000,"hmort":16000,"hequity":4000,"nifa":1697,"net_nifa":-1673,"tfa":1697,"net_tfa":-1673,"tfa_he":2327,"tw":3327,"age":43,"inc":19293,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1673,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":40000,"hequity":45000,"nifa":9000,"net_nifa":7000,"tfa":9000,"net_tfa":7000,"tfa_he":52000,"tw":61000,"age":41,"inc":38880,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.5297,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":37000,"hval":80000,"hmort":51000,"hequity":29000,"nifa":10000,"net_nifa":10000,"tfa":47000,"net_tfa":47000,"tfa_he":76000,"tw":136000,"age":37,"inc":41784,"fsize":4,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":10000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":85000,"hmort":85000,"hequity":0,"nifa":101000,"net_nifa":96000,"tfa":181000,"net_tfa":176000,"tfa_he":176000,"tw":321000,"age":54,"inc":113013,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":96000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":112000,"hequity":163000,"nifa":477332,"net_nifa":475632,"tfa":477332,"net_tfa":475632,"tfa_he":638632,"tw":665986,"age":51,"inc":69987,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.4938,"net_n401":475632,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":110000,"hmort":69500,"hequity":40500,"nifa":6500,"net_nifa":-3300,"tfa":16500,"net_tfa":6700,"tfa_he":47200,"tw":129200,"age":52,"inc":75612,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":65000,"hmort":0,"hequity":65000,"nifa":3030,"net_nifa":-27670,"tfa":4030,"net_tfa":-26670,"tfa_he":38330,"tw":43891,"age":34,"inc":36411,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-27670,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3420,"hval":0,"hmort":0,"hequity":0,"nifa":499,"net_nifa":-6401,"tfa":3919,"net_tfa":-2981,"tfa_he":-2981,"tw":-2981,"age":29,"inc":28050,"fsize":4,"educ":10,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.43669,"net_n401":-6401,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":10000,"hmort":0,"hequity":10000,"nifa":5000,"net_nifa":5000,"tfa":5000,"net_tfa":5000,"tfa_he":15000,"tw":60000,"age":31,"inc":28635,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.49189,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2400,"hval":0,"hmort":0,"hequity":0,"nifa":45958,"net_nifa":40158,"tfa":48358,"net_tfa":42558,"tfa_he":42558,"tw":46224,"age":35,"inc":36234,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":40158,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":130000,"hmort":91500,"hequity":38500,"nifa":0,"net_nifa":-32500,"tfa":1000,"net_tfa":-31500,"tfa_he":7000,"tw":16000,"age":59,"inc":63261,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-32500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":500,"hval":45000,"hmort":30000,"hequity":15000,"nifa":600,"net_nifa":-200,"tfa":1100,"net_tfa":300,"tfa_he":15300,"tw":27303,"age":41,"inc":23043,"fsize":4,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":50,"net_nifa":-150,"tfa":50,"net_tfa":-150,"tfa_he":-150,"tw":-150,"age":30,"inc":10455,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-150,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":700,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-850,"tfa":1350,"net_tfa":-150,"tfa_he":-150,"tw":2850,"age":40,"inc":46215,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":-850,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":50000,"hval":90000,"hmort":25000,"hequity":65000,"nifa":21250,"net_nifa":18750,"tfa":71250,"net_tfa":68750,"tfa_he":133750,"tw":137050,"age":56,"inc":62700,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":6,"ecat":1,"zhat":0.54054,"net_n401":18750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":9000,"a401":20,"hval":80000,"hmort":65000,"hequity":15000,"nifa":12048,"net_nifa":12048,"tfa":21068,"net_tfa":21068,"tfa_he":36068,"tw":40643,"age":33,"inc":26526,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.4721,"net_n401":21048,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":150000,"hmort":50000,"hequity":100000,"nifa":2534,"net_nifa":1034,"tfa":14534,"net_tfa":13034,"tfa_he":113034,"tw":258034,"age":51,"inc":53700,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":1034,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":6000,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":6100,"net_tfa":6100,"tfa_he":6100,"tw":9433,"age":30,"inc":18750,"fsize":4,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":58000,"hmort":38500,"hequity":19500,"nifa":61788,"net_nifa":59788,"tfa":63788,"net_tfa":61788,"tfa_he":81288,"tw":99288,"age":45,"inc":34488,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":59788,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18000,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":800,"tfa":22000,"net_tfa":21800,"tfa_he":21800,"tw":25225,"age":32,"inc":54144,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.3108,"net_n401":18800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":84300,"hval":60000,"hmort":20000,"hequity":40000,"nifa":156458,"net_nifa":156358,"tfa":242758,"net_tfa":242658,"tfa_he":282658,"tw":284158,"age":48,"inc":56754,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":158358,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":3000,"a401":4000,"hval":175000,"hmort":50000,"hequity":125000,"nifa":8160,"net_nifa":7060,"tfa":15160,"net_tfa":14060,"tfa_he":139060,"tw":350060,"age":31,"inc":48177,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":10060,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3200,"hval":86000,"hmort":0,"hequity":86000,"nifa":219,"net_nifa":-20731,"tfa":3419,"net_tfa":-17531,"tfa_he":68469,"tw":73469,"age":52,"inc":30078,"fsize":2,"educ":4,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":-20731,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":120000,"hmort":75000,"hequity":45000,"nifa":4000,"net_nifa":2000,"tfa":11000,"net_tfa":9000,"tfa_he":54000,"tw":151000,"age":33,"inc":58572,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":1500,"a401":50000,"hval":65000,"hmort":0,"hequity":65000,"nifa":4800,"net_nifa":2300,"tfa":56300,"net_tfa":53800,"tfa_he":118800,"tw":121500,"age":60,"inc":28440,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":3800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":12980,"hval":180000,"hmort":150000,"hequity":30000,"nifa":250,"net_nifa":-750,"tfa":13230,"net_tfa":12230,"tfa_he":42230,"tw":42230,"age":33,"inc":63360,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11638,"net_nifa":11638,"tfa":11638,"net_tfa":11638,"tfa_he":11638,"tw":11638,"age":27,"inc":36474,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":11638,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":6000,"a401":0,"hval":90000,"hmort":75000,"hequity":15000,"nifa":9700,"net_nifa":3500,"tfa":15700,"net_tfa":9500,"tfa_he":24500,"tw":53150,"age":29,"inc":32109,"fsize":1,"educ":13,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":9500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":110,"hval":0,"hmort":0,"hequity":0,"nifa":1625,"net_nifa":-4350,"tfa":1735,"net_tfa":-4240,"tfa_he":-4240,"tw":-1090,"age":31,"inc":28035,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-4350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2648,"hval":75000,"hmort":42000,"hequity":33000,"nifa":499,"net_nifa":-3501,"tfa":3147,"net_tfa":-853,"tfa_he":32147,"tw":32147,"age":49,"inc":43224,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":-3501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16370,"a401":0,"hval":72500,"hmort":68000,"hequity":4500,"nifa":2600,"net_nifa":2463,"tfa":20870,"net_tfa":20733,"tfa_he":25233,"tw":32213,"age":42,"inc":44520,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":18833,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":5200,"net_nifa":5200,"tfa":10200,"net_tfa":10200,"tfa_he":10200,"tw":10200,"age":36,"inc":33960,"fsize":13,"educ":4,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.2952,"net_n401":5200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":38000,"hequity":12000,"nifa":1243,"net_nifa":1243,"tfa":1243,"net_tfa":1243,"tfa_he":13243,"tw":13243,"age":43,"inc":27048,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1243,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":69000,"hmort":69000,"hequity":0,"nifa":300,"net_nifa":300,"tfa":300,"net_tfa":300,"tfa_he":300,"tw":300,"age":34,"inc":18018,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":300,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":0,"hmort":0,"hequity":0,"nifa":10,"net_nifa":-490,"tfa":90,"net_tfa":-410,"tfa_he":-410,"tw":1090,"age":30,"inc":21630,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20604,"net_n401":-490,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":3448,"a401":30,"hval":30000,"hmort":0,"hequity":30000,"nifa":5,"net_nifa":-16995,"tfa":3483,"net_tfa":-13517,"tfa_he":16483,"tw":16483,"age":52,"inc":31368,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":-13547,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":110000,"hmort":50000,"hequity":60000,"nifa":3300,"net_nifa":1550,"tfa":23300,"net_tfa":21550,"tfa_he":81550,"tw":86550,"age":40,"inc":53736,"fsize":5,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":1550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":46000,"hval":70000,"hmort":26000,"hequity":44000,"nifa":2500,"net_nifa":1300,"tfa":48500,"net_tfa":47300,"tfa_he":91300,"tw":94650,"age":53,"inc":30900,"fsize":2,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.38664,"net_n401":1300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":27800,"hequity":47200,"nifa":325,"net_nifa":-14675,"tfa":325,"net_tfa":-14675,"tfa_he":32525,"tw":34525,"age":42,"inc":35112,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-14675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":200,"hval":154000,"hmort":121700,"hequity":32300,"nifa":10040,"net_nifa":4040,"tfa":26240,"net_tfa":20240,"tfa_he":52540,"tw":56540,"age":33,"inc":46002,"fsize":7,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.46243,"net_n401":20040,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":115000,"hmort":35000,"hequity":80000,"nifa":5000,"net_nifa":3300,"tfa":85000,"net_tfa":83300,"tfa_he":163300,"tw":273859,"age":43,"inc":77700,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.68492,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":5000,"a401":15000,"hval":42000,"hmort":18000,"hequity":24000,"nifa":3949,"net_nifa":-551,"tfa":23949,"net_tfa":19449,"tfa_he":43449,"tw":56449,"age":35,"inc":49230,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":4449,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":64000,"hmort":18750,"hequity":45250,"nifa":6226,"net_nifa":1226,"tfa":6226,"net_tfa":1226,"tfa_he":46476,"tw":46476,"age":64,"inc":34035,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1226,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":21000,"a401":69000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":27000,"net_nifa":15000,"tfa":117000,"net_tfa":105000,"tfa_he":255000,"tw":255000,"age":40,"inc":101226,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":36000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":86000,"hmort":76000,"hequity":10000,"nifa":6200,"net_nifa":4528,"tfa":7200,"net_tfa":5528,"tfa_he":15528,"tw":41550,"age":28,"inc":31203,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":4528,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-2300,"tfa":2200,"net_tfa":-1100,"tfa_he":-1100,"tw":1213,"age":38,"inc":33048,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-2300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":85000,"hmort":65000,"hequity":20000,"nifa":7000,"net_nifa":7000,"tfa":7000,"net_tfa":7000,"tfa_he":27000,"tw":27000,"age":30,"inc":20640,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":7000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":36500,"net_nifa":36200,"tfa":46500,"net_tfa":46200,"tfa_he":196200,"tw":200700,"age":33,"inc":80724,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.73551,"net_n401":46200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":60000,"hmort":23900,"hequity":36100,"nifa":1249,"net_nifa":1249,"tfa":2449,"net_tfa":2449,"tfa_he":38549,"tw":38549,"age":59,"inc":49950,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.6077,"net_n401":1249,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":24000,"hmort":24000,"hequity":0,"nifa":3660,"net_nifa":-18340,"tfa":13660,"net_tfa":-8340,"tfa_he":-8340,"tw":510,"age":44,"inc":33645,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-18340,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":6075,"hval":51000,"hmort":16000,"hequity":35000,"nifa":1475,"net_nifa":-9025,"tfa":7550,"net_tfa":-2950,"tfa_he":32050,"tw":71602,"age":41,"inc":35772,"fsize":4,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":-9025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2300,"hval":0,"hmort":0,"hequity":0,"nifa":200,"net_nifa":-800,"tfa":2500,"net_tfa":1500,"tfa_he":1500,"tw":5000,"age":38,"inc":25500,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-3265,"tfa":100,"net_tfa":-3165,"tfa_he":-3165,"tw":-2665,"age":43,"inc":17418,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-3265,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":30000,"hval":0,"hmort":0,"hequity":0,"nifa":249,"net_nifa":-7151,"tfa":30249,"net_tfa":22849,"tfa_he":22849,"tw":28724,"age":38,"inc":47826,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":-7151,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-2400,"tfa":5000,"net_tfa":600,"tfa_he":600,"tw":4025,"age":38,"inc":33579,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.30866,"net_n401":-2400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":17000,"a401":0,"hval":65000,"hmort":18000,"hequity":47000,"nifa":3049,"net_nifa":-5251,"tfa":20049,"net_tfa":11749,"tfa_he":58749,"tw":58749,"age":47,"inc":64011,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":11749,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":42000,"hval":82500,"hmort":59680,"hequity":22820,"nifa":400,"net_nifa":-4600,"tfa":42400,"net_tfa":37400,"tfa_he":60220,"tw":60220,"age":55,"inc":57672,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-4600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":8400,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":8400,"net_tfa":8400,"tfa_he":8400,"tw":8400,"age":39,"inc":39168,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":52000,"hval":20000,"hmort":1224,"hequity":18776,"nifa":230,"net_nifa":-685,"tfa":52230,"net_tfa":51315,"tfa_he":70091,"tw":75091,"age":52,"inc":42270,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-685,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":650,"hval":40000,"hmort":38800,"hequity":1200,"nifa":75,"net_nifa":-11125,"tfa":725,"net_tfa":-10475,"tfa_he":-9275,"tw":-6775,"age":32,"inc":28434,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-11125,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":83000,"hmort":7000,"hequity":76000,"nifa":19889,"net_nifa":19589,"tfa":21889,"net_tfa":21589,"tfa_he":97589,"tw":199407,"age":59,"inc":25560,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.26942,"net_n401":19589,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":180,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-1600,"tfa":1180,"net_tfa":-1420,"tfa_he":-1420,"tw":6041,"age":55,"inc":25761,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-1600,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":165000,"hmort":0,"hequity":165000,"nifa":25450,"net_nifa":25450,"tfa":75450,"net_tfa":75450,"tfa_he":240450,"tw":240450,"age":44,"inc":61869,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":25450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":453,"net_nifa":-5119,"tfa":453,"net_tfa":-5119,"tfa_he":-5119,"tw":-5119,"age":31,"inc":18909,"fsize":1,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-5119,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":1760,"net_nifa":-2540,"tfa":11760,"net_tfa":7460,"tfa_he":7460,"tw":22035,"age":57,"inc":27036,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":-2540,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":839,"hval":84000,"hmort":67000,"hequity":17000,"nifa":8000,"net_nifa":5670,"tfa":13839,"net_tfa":11509,"tfa_he":28509,"tw":41009,"age":29,"inc":44805,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.46243,"net_n401":10670,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":390,"hval":0,"hmort":0,"hequity":0,"nifa":2250,"net_nifa":2250,"tfa":2640,"net_tfa":2640,"tfa_he":2640,"tw":3140,"age":32,"inc":18450,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":2250,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4900,"a401":15000,"hval":120000,"hmort":60000,"hequity":60000,"nifa":700,"net_nifa":-18520,"tfa":20600,"net_tfa":1380,"tfa_he":61380,"tw":220380,"age":41,"inc":42213,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.46243,"net_n401":-13620,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":22000,"hval":0,"hmort":0,"hequity":0,"nifa":32000,"net_nifa":22500,"tfa":54000,"net_tfa":44500,"tfa_he":44500,"tw":97000,"age":40,"inc":62700,"fsize":8,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":22500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":122000,"hequity":18000,"nifa":6748,"net_nifa":5248,"tfa":6748,"net_tfa":5248,"tfa_he":23248,"tw":29248,"age":46,"inc":33639,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":5248,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":19000,"a401":80000,"hval":200000,"hmort":120000,"hequity":80000,"nifa":13000,"net_nifa":13000,"tfa":112000,"net_tfa":112000,"tfa_he":192000,"tw":262000,"age":41,"inc":61500,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":32000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":100000,"hmort":100000,"hequity":0,"nifa":5000,"net_nifa":-4000,"tfa":25000,"net_tfa":16000,"tfa_he":16000,"tw":28000,"age":31,"inc":120300,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-4000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":20000,"hval":0,"hmort":0,"hequity":0,"nifa":92749,"net_nifa":92749,"tfa":112749,"net_tfa":112749,"tfa_he":112749,"tw":112749,"age":39,"inc":31845,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":92749,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11231,"hval":60000,"hmort":50000,"hequity":10000,"nifa":10800,"net_nifa":8200,"tfa":22031,"net_tfa":19431,"tfa_he":29431,"tw":33031,"age":38,"inc":56028,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":8200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22225,"a401":18747,"hval":85000,"hmort":15000,"hequity":70000,"nifa":481608,"net_nifa":481408,"tfa":522580,"net_tfa":522380,"tfa_he":592380,"tw":597980,"age":48,"inc":84063,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":503633,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8300,"a401":13000,"hval":0,"hmort":0,"hequity":0,"nifa":7748,"net_nifa":-252,"tfa":29048,"net_tfa":21048,"tfa_he":21048,"tw":26323,"age":25,"inc":39102,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":8048,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":2999,"net_nifa":2999,"tfa":7999,"net_tfa":7999,"tfa_he":7999,"tw":7999,"age":45,"inc":57843,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":2999,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":80000,"hval":150000,"hmort":23000,"hequity":127000,"nifa":3100,"net_nifa":-900,"tfa":87100,"net_tfa":83100,"tfa_he":210100,"tw":215300,"age":48,"inc":58296,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":3100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10017,"hval":60000,"hmort":45000,"hequity":15000,"nifa":100,"net_nifa":-3512,"tfa":10117,"net_tfa":6505,"tfa_he":21505,"tw":33505,"age":41,"inc":30321,"fsize":6,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-3512,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":32000,"hval":24000,"hmort":8000,"hequity":16000,"nifa":900,"net_nifa":900,"tfa":32900,"net_tfa":32900,"tfa_he":48900,"tw":54361,"age":42,"inc":16812,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":900,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":500,"a401":1400,"hval":50000,"hmort":50000,"hequity":0,"nifa":3000,"net_nifa":2800,"tfa":4900,"net_tfa":4700,"tfa_he":4700,"tw":4700,"age":26,"inc":36492,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":3300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":11750,"a401":12500,"hval":175000,"hmort":120000,"hequity":55000,"nifa":64900,"net_nifa":64900,"tfa":89150,"net_tfa":89150,"tfa_he":144150,"tw":219150,"age":52,"inc":67059,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":76650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":1000,"hval":70000,"hmort":70000,"hequity":0,"nifa":6100,"net_nifa":6100,"tfa":7100,"net_tfa":7100,"tfa_he":7100,"tw":20600,"age":41,"inc":72600,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":6100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":125000,"hmort":50000,"hequity":75000,"nifa":1100,"net_nifa":-953,"tfa":4600,"net_tfa":2547,"tfa_he":77547,"tw":79947,"age":37,"inc":57234,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-953,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":56000,"hequity":19000,"nifa":1098,"net_nifa":-23162,"tfa":1098,"net_tfa":-23162,"tfa_he":-4162,"tw":-4162,"age":32,"inc":31644,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-23162,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":530,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-300,"tfa":530,"net_tfa":230,"tfa_he":230,"tw":15280,"age":28,"inc":7914,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-300,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":25,"net_nifa":-5675,"tfa":25,"net_tfa":-5675,"tfa_he":-5675,"tw":1825,"age":32,"inc":22425,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":-5675,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":25000,"hval":46000,"hmort":20000,"hequity":26000,"nifa":1270,"net_nifa":270,"tfa":26270,"net_tfa":25270,"tfa_he":51270,"tw":51270,"age":58,"inc":31689,"fsize":2,"educ":4,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":270,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":-100,"tfa":600,"net_tfa":-100,"tfa_he":-100,"tw":2400,"age":36,"inc":28032,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1062,"hval":0,"hmort":0,"hequity":0,"nifa":59,"net_nifa":-790,"tfa":1121,"net_tfa":272,"tfa_he":272,"tw":13754,"age":38,"inc":15813,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-790,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16500,"a401":2800,"hval":300000,"hmort":75000,"hequity":225000,"nifa":187500,"net_nifa":186800,"tfa":206800,"net_tfa":206100,"tfa_he":431100,"tw":431100,"age":56,"inc":50625,"fsize":3,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":203300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":45000,"hval":180000,"hmort":65000,"hequity":115000,"nifa":5330,"net_nifa":3330,"tfa":50330,"net_tfa":48330,"tfa_he":163330,"tw":163330,"age":57,"inc":35700,"fsize":3,"educ":11,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":3330,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4000,"hval":43000,"hmort":20000,"hequity":23000,"nifa":800,"net_nifa":-3800,"tfa":4800,"net_tfa":200,"tfa_he":23200,"tw":23200,"age":45,"inc":29838,"fsize":4,"educ":8,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-3800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":200,"a401":7500,"hval":95000,"hmort":66000,"hequity":29000,"nifa":15550,"net_nifa":15550,"tfa":23250,"net_tfa":23250,"tfa_he":52250,"tw":56125,"age":50,"inc":49848,"fsize":3,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6509,"net_n401":15750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":1300,"a401":0,"hval":75000,"hmort":25000,"hequity":50000,"nifa":13700,"net_nifa":12150,"tfa":15000,"net_tfa":13450,"tfa_he":63450,"tw":82250,"age":44,"inc":59235,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":13450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":300,"net_nifa":-3700,"tfa":300,"net_tfa":-3700,"tfa_he":-3700,"tw":-3200,"age":34,"inc":26526,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-3700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":1600,"tfa":11600,"net_tfa":11600,"tfa_he":11600,"tw":16275,"age":26,"inc":36972,"fsize":1,"educ":17,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":1600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1200,"hval":73000,"hmort":73000,"hequity":0,"nifa":1349,"net_nifa":-451,"tfa":2549,"net_tfa":749,"tfa_he":749,"tw":14249,"age":33,"inc":46245,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-451,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":95000,"hmort":63000,"hequity":32000,"nifa":2300,"net_nifa":-5700,"tfa":20300,"net_tfa":12300,"tfa_he":44300,"tw":47300,"age":44,"inc":51612,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":45000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":45000,"net_tfa":45000,"tfa_he":45000,"tw":45000,"age":59,"inc":46920,"fsize":6,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4500,"net_nifa":3900,"tfa":4500,"net_tfa":3900,"tfa_he":3900,"tw":3900,"age":31,"inc":49410,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.59958,"net_n401":3900,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":5500,"tfa":11500,"net_tfa":10000,"tfa_he":10000,"tw":10000,"age":40,"inc":84360,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.43478,"net_n401":5500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":8550,"net_nifa":6050,"tfa":11050,"net_tfa":8550,"tfa_he":8550,"tw":11883,"age":29,"inc":20025,"fsize":2,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.53157,"net_n401":6050,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":30000,"a401":80000,"hval":300000,"hmort":63000,"hequity":237000,"nifa":64232,"net_nifa":64232,"tfa":174232,"net_tfa":174232,"tfa_he":411232,"tw":411232,"age":44,"inc":138942,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":94232,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":30000,"hmort":13000,"hequity":17000,"nifa":9049,"net_nifa":8649,"tfa":10049,"net_tfa":9649,"tfa_he":26649,"tw":26649,"age":44,"inc":22044,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.39785,"net_n401":8649,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":37000,"a401":50000,"hval":85000,"hmort":65000,"hequity":20000,"nifa":28000,"net_nifa":28000,"tfa":115000,"net_tfa":115000,"tfa_he":135000,"tw":135000,"age":59,"inc":69435,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":65000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":44000,"a401":36000,"hval":90000,"hmort":0,"hequity":90000,"nifa":35600,"net_nifa":35240,"tfa":115600,"net_tfa":115240,"tfa_he":205240,"tw":205240,"age":63,"inc":43326,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":79240,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":25000,"hval":190000,"hmort":88000,"hequity":102000,"nifa":3000,"net_nifa":-10500,"tfa":28000,"net_tfa":14500,"tfa_he":116500,"tw":150500,"age":49,"inc":52590,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":-10500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":63000,"hmort":63000,"hequity":0,"nifa":725,"net_nifa":-1222,"tfa":725,"net_tfa":-1222,"tfa_he":-1222,"tw":71278,"age":38,"inc":35322,"fsize":3,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-1222,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":80000,"hmort":53000,"hequity":27000,"nifa":607,"net_nifa":-9393,"tfa":3607,"net_tfa":-6393,"tfa_he":20607,"tw":20607,"age":47,"inc":64656,"fsize":4,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-9393,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":5574,"hval":0,"hmort":0,"hequity":0,"nifa":800,"net_nifa":100,"tfa":6374,"net_tfa":5674,"tfa_he":5674,"tw":6099,"age":32,"inc":18594,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-64,"tfa":0,"net_tfa":-64,"tfa_he":-64,"tw":-64,"age":46,"inc":3900,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.04868,"net_n401":-64,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":17000,"a401":10000,"hval":82000,"hmort":65000,"hequity":17000,"nifa":10400,"net_nifa":1900,"tfa":37400,"net_tfa":28900,"tfa_he":45900,"tw":45900,"age":54,"inc":67431,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":18900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":47000,"hval":200000,"hmort":100000,"hequity":100000,"nifa":10900,"net_nifa":10700,"tfa":57900,"net_tfa":57700,"tfa_he":157700,"tw":163700,"age":38,"inc":88764,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":10700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":414,"hval":52000,"hmort":23500,"hequity":28500,"nifa":228,"net_nifa":-5197,"tfa":642,"net_tfa":-4783,"tfa_he":23717,"tw":32717,"age":46,"inc":51426,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-5197,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":330,"hval":200000,"hmort":0,"hequity":200000,"nifa":9999,"net_nifa":9999,"tfa":10329,"net_tfa":10329,"tfa_he":210329,"tw":210329,"age":64,"inc":37242,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":9999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":19000,"a401":50000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":49000,"net_nifa":45000,"tfa":118000,"net_tfa":114000,"tfa_he":264000,"tw":264000,"age":53,"inc":156036,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":64000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20000,"hval":45000,"hmort":45000,"hequity":0,"nifa":4300,"net_nifa":4210,"tfa":24300,"net_tfa":24210,"tfa_he":24210,"tw":24210,"age":50,"inc":24540,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":4210,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":200000,"hmort":0,"hequity":200000,"nifa":63499,"net_nifa":62899,"tfa":63499,"net_tfa":62899,"tfa_he":262899,"tw":278099,"age":45,"inc":45012,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":62899,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9489,"a401":13524,"hval":70000,"hmort":0,"hequity":70000,"nifa":1587,"net_nifa":1265,"tfa":24600,"net_tfa":24278,"tfa_he":94278,"tw":97392,"age":43,"inc":49044,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":10754,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":30000,"hmort":0,"hequity":30000,"nifa":3000,"net_nifa":-2000,"tfa":3000,"net_tfa":-2000,"tfa_he":28000,"tw":33242,"age":38,"inc":60,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.03663,"net_n401":-2000,"hown":1,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":0,"age":44,"inc":21480,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11500,"hval":50000,"hmort":5000,"hequity":45000,"nifa":2300,"net_nifa":2300,"tfa":13800,"net_tfa":13800,"tfa_he":58800,"tw":59800,"age":26,"inc":34494,"fsize":2,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":2300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":70000,"hmort":50000,"hequity":20000,"nifa":899,"net_nifa":599,"tfa":899,"net_tfa":599,"tfa_he":20599,"tw":20599,"age":28,"inc":26550,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":599,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":2800,"a401":2800,"hval":70000,"hmort":55000,"hequity":15000,"nifa":1499,"net_nifa":1499,"tfa":7099,"net_tfa":7099,"tfa_he":22099,"tw":22099,"age":39,"inc":63999,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":4299,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":22350,"a401":45000,"hval":193000,"hmort":0,"hequity":193000,"nifa":11250,"net_nifa":11250,"tfa":78600,"net_tfa":78600,"tfa_he":271600,"tw":276600,"age":57,"inc":63045,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":33600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":1500,"a401":0,"hval":140000,"hmort":131000,"hequity":9000,"nifa":8000,"net_nifa":7000,"tfa":9500,"net_tfa":8500,"tfa_he":17500,"tw":19500,"age":41,"inc":50064,"fsize":5,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":8500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":6000,"a401":15000,"hval":120000,"hmort":120000,"hequity":0,"nifa":46100,"net_nifa":46100,"tfa":67100,"net_tfa":67100,"tfa_he":67100,"tw":67100,"age":29,"inc":98100,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":52100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":900,"a401":0,"hval":60000,"hmort":30000,"hequity":30000,"nifa":1900,"net_nifa":1200,"tfa":2800,"net_tfa":2100,"tfa_he":32100,"tw":39100,"age":39,"inc":45690,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":2100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":5574,"hval":0,"hmort":0,"hequity":0,"nifa":399,"net_nifa":-3101,"tfa":5973,"net_tfa":2473,"tfa_he":2473,"tw":2473,"age":28,"inc":14118,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.11521,"net_n401":-3101,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":9000,"hval":100000,"hmort":90000,"hequity":10000,"nifa":6499,"net_nifa":1499,"tfa":18499,"net_tfa":13499,"tfa_he":23499,"tw":26849,"age":41,"inc":41703,"fsize":2,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":4499,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12600,"a401":18000,"hval":200000,"hmort":142000,"hequity":58000,"nifa":3000,"net_nifa":2600,"tfa":33600,"net_tfa":33200,"tfa_he":91200,"tw":275318,"age":36,"inc":90318,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":15200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":91200,"hmort":67000,"hequity":24200,"nifa":100,"net_nifa":-11841,"tfa":300,"net_tfa":-11641,"tfa_he":12559,"tw":12559,"age":33,"inc":33849,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-11841,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":45000,"hmort":25000,"hequity":20000,"nifa":2314,"net_nifa":314,"tfa":2314,"net_tfa":314,"tfa_he":20314,"tw":20314,"age":44,"inc":50304,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":314,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":50000,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":2500,"net_nifa":-150,"tfa":52500,"net_tfa":49850,"tfa_he":149850,"tw":155850,"age":43,"inc":79920,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":49850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":60000,"hmort":56000,"hequity":4000,"nifa":600,"net_nifa":-6900,"tfa":12600,"net_tfa":5100,"tfa_he":9100,"tw":11225,"age":35,"inc":27600,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.49189,"net_n401":-6900,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":90000,"hmort":62000,"hequity":28000,"nifa":49,"net_nifa":49,"tfa":12049,"net_tfa":12049,"tfa_he":40049,"tw":40049,"age":43,"inc":32712,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.5297,"net_n401":49,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15000,"a401":12000,"hval":275000,"hmort":150000,"hequity":125000,"nifa":16900,"net_nifa":7900,"tfa":43900,"net_tfa":34900,"tfa_he":159900,"tw":159900,"age":54,"inc":85860,"fsize":6,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":22900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":528,"hval":115000,"hmort":85600,"hequity":29400,"nifa":30200,"net_nifa":29200,"tfa":37728,"net_tfa":36728,"tfa_he":66128,"tw":66128,"age":44,"inc":63222,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":36200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":500,"age":60,"inc":14640,"fsize":1,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":15000,"a401":75000,"hval":0,"hmort":0,"hequity":0,"nifa":78000,"net_nifa":77000,"tfa":168000,"net_tfa":167000,"tfa_he":167000,"tw":167000,"age":45,"inc":101496,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.49355,"net_n401":92000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":11500,"net_nifa":-2000,"tfa":11500,"net_tfa":-2000,"tfa_he":-2000,"tw":-2000,"age":35,"inc":30000,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3300,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":3400,"net_tfa":3400,"tfa_he":3400,"tw":10400,"age":44,"inc":24480,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":56000,"hmort":21000,"hequity":35000,"nifa":3038,"net_nifa":3038,"tfa":3038,"net_tfa":3038,"tfa_he":38038,"tw":38038,"age":48,"inc":35310,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":3038,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":7000,"hval":97000,"hmort":90000,"hequity":7000,"nifa":456,"net_nifa":456,"tfa":7456,"net_tfa":7456,"tfa_he":14456,"tw":14456,"age":30,"inc":66123,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":456,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":68,"hval":103000,"hmort":0,"hequity":103000,"nifa":1500,"net_nifa":1090,"tfa":1568,"net_tfa":1158,"tfa_he":104158,"tw":104158,"age":54,"inc":10374,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":1090,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":87000,"hmort":71000,"hequity":16000,"nifa":210,"net_nifa":-8790,"tfa":210,"net_tfa":-8790,"tfa_he":7210,"tw":10560,"age":38,"inc":37140,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":-8790,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1925,"net_nifa":-5075,"tfa":1925,"net_tfa":-5075,"tfa_he":-5075,"tw":16925,"age":52,"inc":31998,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":-5075,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":35000,"hval":76000,"hmort":76000,"hequity":0,"nifa":48000,"net_nifa":48000,"tfa":83000,"net_tfa":83000,"tfa_he":83000,"tw":85650,"age":32,"inc":40260,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.42001,"net_n401":48000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":29900,"hmort":27500,"hequity":2400,"nifa":1600,"net_nifa":-1700,"tfa":4600,"net_tfa":1300,"tfa_he":3700,"tw":6800,"age":44,"inc":32796,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":-1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":400,"hval":0,"hmort":0,"hequity":0,"nifa":364,"net_nifa":-6136,"tfa":764,"net_tfa":-5736,"tfa_he":-5736,"tw":-5598,"age":26,"inc":13770,"fsize":1,"educ":14,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-6136,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8300,"a401":13500,"hval":145000,"hmort":108000,"hequity":37000,"nifa":8000,"net_nifa":8000,"tfa":29800,"net_tfa":29800,"tfa_he":66800,"tw":81050,"age":34,"inc":50442,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":16300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":80000,"hmort":65000,"hequity":15000,"nifa":499,"net_nifa":-1,"tfa":2499,"net_tfa":1999,"tfa_he":16999,"tw":16999,"age":33,"inc":31203,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-1,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":11765,"a401":80000,"hval":135000,"hmort":52000,"hequity":83000,"nifa":10854,"net_nifa":10854,"tfa":102619,"net_tfa":102619,"tfa_he":185619,"tw":185619,"age":43,"inc":54150,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":22619,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":25000,"a401":0,"hval":75000,"hmort":36000,"hequity":39000,"nifa":5000,"net_nifa":4000,"tfa":30000,"net_tfa":29000,"tfa_he":68000,"tw":83000,"age":44,"inc":36966,"fsize":3,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.54491,"net_n401":29000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3600,"a401":0,"hval":75000,"hmort":15000,"hequity":60000,"nifa":1100,"net_nifa":-10200,"tfa":4700,"net_tfa":-6600,"tfa_he":53400,"tw":68400,"age":44,"inc":58428,"fsize":4,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":-6600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":7000,"a401":0,"hval":118000,"hmort":51000,"hequity":67000,"nifa":1475,"net_nifa":-2025,"tfa":8475,"net_tfa":4975,"tfa_he":71975,"tw":76975,"age":47,"inc":63450,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":4975,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":50000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":1000,"tfa":51000,"net_tfa":51000,"tfa_he":51000,"tw":53000,"age":45,"inc":31047,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.58963,"net_n401":1000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":199,"net_nifa":-101,"tfa":4199,"net_tfa":3899,"tfa_he":3899,"tw":89599,"age":49,"inc":75384,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.48881,"net_n401":3899,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":4000,"net_nifa":-8000,"tfa":4000,"net_tfa":-8000,"tfa_he":-8000,"tw":-6650,"age":37,"inc":34827,"fsize":2,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-8000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":250,"hval":0,"hmort":0,"hequity":0,"nifa":605,"net_nifa":-2495,"tfa":855,"net_tfa":-2245,"tfa_he":-2245,"tw":11755,"age":32,"inc":40800,"fsize":5,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-2495,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":24750,"a401":108,"hval":55000,"hmort":0,"hequity":55000,"nifa":59370,"net_nifa":59370,"tfa":84228,"net_tfa":84228,"tfa_he":139228,"tw":139228,"age":56,"inc":29556,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":84120,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":40200,"net_nifa":40200,"tfa":41200,"net_tfa":41200,"tfa_he":41200,"tw":42500,"age":29,"inc":36192,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":40200,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":8000,"a401":2400,"hval":75000,"hmort":34000,"hequity":41000,"nifa":16400,"net_nifa":14736,"tfa":26800,"net_tfa":25136,"tfa_he":66136,"tw":70136,"age":35,"inc":53154,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":22736,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":68000,"hmort":54000,"hequity":14000,"nifa":3650,"net_nifa":2450,"tfa":7650,"net_tfa":6450,"tfa_he":20450,"tw":23150,"age":31,"inc":41922,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2450,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":750,"net_nifa":50,"tfa":750,"net_tfa":50,"tfa_he":50,"tw":6050,"age":29,"inc":25155,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.20929,"net_n401":50,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":500,"a401":800,"hval":47000,"hmort":37000,"hequity":10000,"nifa":380,"net_nifa":-120,"tfa":1680,"net_tfa":1180,"tfa_he":11180,"tw":53280,"age":37,"inc":37275,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":380,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":35000,"hmort":21000,"hequity":14000,"nifa":399,"net_nifa":-1601,"tfa":1399,"net_tfa":-601,"tfa_he":13399,"tw":13399,"age":36,"inc":39450,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-1601,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":21473,"a401":29000,"hval":96000,"hmort":0,"hequity":96000,"nifa":107500,"net_nifa":107500,"tfa":157973,"net_tfa":157973,"tfa_he":253973,"tw":283973,"age":62,"inc":41106,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":128973,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":24000,"a401":7000,"hval":90000,"hmort":90000,"hequity":0,"nifa":85734,"net_nifa":51734,"tfa":116734,"net_tfa":82734,"tfa_he":82734,"tw":92734,"age":53,"inc":76050,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":75734,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":19800,"hequity":55200,"nifa":2600,"net_nifa":1100,"tfa":2600,"net_tfa":1100,"tfa_he":56300,"tw":61300,"age":42,"inc":38007,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":1100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":105000,"hmort":100000,"hequity":5000,"nifa":7444,"net_nifa":6444,"tfa":7444,"net_tfa":6444,"tfa_he":11444,"tw":11444,"age":43,"inc":30318,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":6444,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":90000,"hmort":74900,"hequity":15100,"nifa":41000,"net_nifa":22000,"tfa":51000,"net_tfa":32000,"tfa_he":47100,"tw":76100,"age":33,"inc":72960,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":22000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":80000,"hmort":20000,"hequity":60000,"nifa":3400,"net_nifa":-14800,"tfa":3400,"net_tfa":-14800,"tfa_he":45200,"tw":57200,"age":56,"inc":72129,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-14800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":25000,"a401":36000,"hval":159000,"hmort":0,"hequity":159000,"nifa":19999,"net_nifa":18999,"tfa":80999,"net_tfa":79999,"tfa_he":238999,"tw":242148,"age":48,"inc":58944,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":43999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":12168,"net_nifa":5168,"tfa":12168,"net_tfa":5168,"tfa_he":5168,"tw":8668,"age":50,"inc":64026,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":5168,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14000,"a401":5000,"hval":150000,"hmort":122000,"hequity":28000,"nifa":13400,"net_nifa":9400,"tfa":32400,"net_tfa":28400,"tfa_he":56400,"tw":56400,"age":32,"inc":70260,"fsize":3,"educ":18,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":23400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":8900,"a401":0,"hval":120000,"hmort":84500,"hequity":35500,"nifa":47153,"net_nifa":47153,"tfa":56053,"net_tfa":56053,"tfa_he":91553,"tw":91553,"age":37,"inc":55563,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":56053,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":275000,"hmort":150000,"hequity":125000,"nifa":3000,"net_nifa":-11945,"tfa":3000,"net_tfa":-11945,"tfa_he":113055,"tw":126055,"age":43,"inc":110820,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.56794,"net_n401":-11945,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1500,"a401":5000,"hval":280000,"hmort":150000,"hequity":130000,"nifa":31255,"net_nifa":29439,"tfa":44755,"net_tfa":42939,"tfa_he":172939,"tw":190939,"age":47,"inc":72600,"fsize":2,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":30939,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":100,"net_nifa":100,"tfa":100,"net_tfa":100,"tfa_he":100,"tw":600,"age":35,"inc":14556,"fsize":4,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":100,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2500,"hval":0,"hmort":0,"hequity":0,"nifa":449,"net_nifa":-1051,"tfa":2949,"net_tfa":1449,"tfa_he":1449,"tw":1449,"age":36,"inc":44175,"fsize":3,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.32432,"net_n401":-1051,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":150000,"hmort":3200,"hequity":146800,"nifa":242,"net_nifa":-2258,"tfa":242,"net_tfa":-2258,"tfa_he":144542,"tw":148542,"age":35,"inc":29586,"fsize":5,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-2258,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":265,"hval":45000,"hmort":32500,"hequity":12500,"nifa":500,"net_nifa":-2400,"tfa":765,"net_tfa":-2135,"tfa_he":10365,"tw":18865,"age":49,"inc":41592,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-2400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3931,"hval":200000,"hmort":50000,"hequity":150000,"nifa":44656,"net_nifa":43056,"tfa":48587,"net_tfa":46987,"tfa_he":196987,"tw":196987,"age":64,"inc":60060,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":43056,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":50000,"hval":90000,"hmort":30000,"hequity":60000,"nifa":46600,"net_nifa":46600,"tfa":96600,"net_tfa":96600,"tfa_he":156600,"tw":162600,"age":47,"inc":60300,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":46600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":200,"hval":40000,"hmort":0,"hequity":40000,"nifa":4000,"net_nifa":-22000,"tfa":4200,"net_tfa":-21800,"tfa_he":18200,"tw":21200,"age":45,"inc":28584,"fsize":3,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-22000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":31000,"hval":185000,"hmort":40000,"hequity":145000,"nifa":200,"net_nifa":-200,"tfa":31200,"net_tfa":30800,"tfa_he":175800,"tw":175800,"age":63,"inc":75804,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":-200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":2000,"a401":0,"hval":98000,"hmort":35000,"hequity":63000,"nifa":16300,"net_nifa":13348,"tfa":18300,"net_tfa":15348,"tfa_he":78348,"tw":84852,"age":42,"inc":53391,"fsize":1,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":15348,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":24,"hval":0,"hmort":0,"hequity":0,"nifa":330,"net_nifa":-5970,"tfa":354,"net_tfa":-5946,"tfa_he":-5946,"tw":-4946,"age":35,"inc":18279,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-5970,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16000,"a401":1000,"hval":220000,"hmort":15500,"hequity":204500,"nifa":45699,"net_nifa":45699,"tfa":62699,"net_tfa":62699,"tfa_he":267199,"tw":267199,"age":64,"inc":19464,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14649,"net_n401":61699,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":3160,"hval":0,"hmort":0,"hequity":0,"nifa":1282,"net_nifa":682,"tfa":4442,"net_tfa":3842,"tfa_he":3842,"tw":9438,"age":27,"inc":25260,"fsize":1,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":682,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":75000,"hmort":55000,"hequity":20000,"nifa":6000,"net_nifa":6000,"tfa":13000,"net_tfa":13000,"tfa_he":33000,"tw":41000,"age":58,"inc":36000,"fsize":7,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":6000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":10000,"hval":0,"hmort":0,"hequity":0,"nifa":6500,"net_nifa":6500,"tfa":38500,"net_tfa":38500,"tfa_he":38500,"tw":45375,"age":41,"inc":24594,"fsize":1,"educ":18,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.20604,"net_n401":6500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":1560,"net_nifa":-5140,"tfa":2560,"net_tfa":-4140,"tfa_he":-4140,"tw":-3140,"age":38,"inc":13668,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.11521,"net_n401":-5140,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":330,"a401":1360,"hval":0,"hmort":0,"hequity":0,"nifa":1400,"net_nifa":-6500,"tfa":3090,"net_tfa":-4810,"tfa_he":-4810,"tw":-3160,"age":27,"inc":25605,"fsize":1,"educ":1,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.20298,"net_n401":-6170,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":10000,"a401":47000,"hval":90000,"hmort":0,"hequity":90000,"nifa":52980,"net_nifa":52230,"tfa":109980,"net_tfa":109230,"tfa_he":199230,"tw":208230,"age":35,"inc":86412,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":62230,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":5050,"a401":20000,"hval":57000,"hmort":0,"hequity":57000,"nifa":14800,"net_nifa":14600,"tfa":39850,"net_tfa":39650,"tfa_he":96650,"tw":96650,"age":42,"inc":65262,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":19650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":44300,"a401":29500,"hval":146000,"hmort":146000,"hequity":0,"nifa":11856,"net_nifa":4856,"tfa":85656,"net_tfa":78656,"tfa_he":78656,"tw":165656,"age":41,"inc":108840,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":49156,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3200,"a401":0,"hval":155000,"hmort":0,"hequity":155000,"nifa":36500,"net_nifa":36500,"tfa":39700,"net_tfa":39700,"tfa_he":194700,"tw":194700,"age":41,"inc":85638,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":39700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":114900,"hmort":86000,"hequity":28900,"nifa":3600,"net_nifa":-500,"tfa":11600,"net_tfa":7500,"tfa_he":36400,"tw":38400,"age":30,"inc":37995,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":16200,"a401":600,"hval":230000,"hmort":142000,"hequity":88000,"nifa":10999,"net_nifa":6999,"tfa":27799,"net_tfa":23799,"tfa_he":111799,"tw":111799,"age":48,"inc":89940,"fsize":5,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":23199,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":180000,"hmort":30000,"hequity":150000,"nifa":4000,"net_nifa":3700,"tfa":4000,"net_tfa":3700,"tfa_he":153700,"tw":161770,"age":39,"inc":32550,"fsize":3,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":3700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":26211,"a401":13000,"hval":110000,"hmort":70000,"hequity":40000,"nifa":4500,"net_nifa":3500,"tfa":43711,"net_tfa":42711,"tfa_he":82711,"tw":83611,"age":38,"inc":54081,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":29711,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":135000,"hmort":89900,"hequity":45100,"nifa":6000,"net_nifa":5000,"tfa":6000,"net_tfa":5000,"tfa_he":50100,"tw":57100,"age":28,"inc":68142,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":9181,"net_nifa":9181,"tfa":9181,"net_tfa":9181,"tfa_he":9181,"tw":9181,"age":33,"inc":57228,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35984,"net_n401":9181,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":26942,"hval":165000,"hmort":0,"hequity":165000,"nifa":6625,"net_nifa":6625,"tfa":33567,"net_tfa":33567,"tfa_he":198567,"tw":198567,"age":46,"inc":63915,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.66883,"net_n401":6625,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":5000,"net_nifa":1300,"tfa":9000,"net_tfa":5300,"tfa_he":5300,"tw":7875,"age":37,"inc":39255,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":1300,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2400,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":10600,"net_nifa":10000,"tfa":13000,"net_tfa":12400,"tfa_he":12400,"tw":25143,"age":45,"inc":36390,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.29063,"net_n401":12400,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":460,"hval":0,"hmort":0,"hequity":0,"nifa":900,"net_nifa":-7100,"tfa":1360,"net_tfa":-6640,"tfa_he":-6640,"tw":-2340,"age":35,"inc":35124,"fsize":2,"educ":15,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-7100,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":61000,"hmort":40000,"hequity":21000,"nifa":8055,"net_nifa":5255,"tfa":19055,"net_tfa":16255,"tfa_he":37255,"tw":42255,"age":38,"inc":40362,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":5255,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":23900,"hmort":23900,"hequity":0,"nifa":49,"net_nifa":-451,"tfa":49,"net_tfa":-451,"tfa_he":-451,"tw":6292,"age":51,"inc":11835,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.14307,"net_n401":-451,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":12000,"a401":0,"hval":80000,"hmort":50000,"hequity":30000,"nifa":24274,"net_nifa":24274,"tfa":36274,"net_tfa":36274,"tfa_he":66274,"tw":121949,"age":59,"inc":34875,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.61749,"net_n401":36274,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":12000,"hval":25000,"hmort":19500,"hequity":5500,"nifa":3999,"net_nifa":3999,"tfa":15999,"net_tfa":15999,"tfa_he":21499,"tw":25499,"age":61,"inc":24180,"fsize":2,"educ":8,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.49189,"net_n401":3999,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3300,"net_nifa":-4700,"tfa":3300,"net_tfa":-4700,"tfa_he":-4700,"tw":-675,"age":36,"inc":35730,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":-4700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":12000,"hval":35000,"hmort":25000,"hequity":10000,"nifa":17056,"net_nifa":17056,"tfa":40056,"net_tfa":40056,"tfa_he":50056,"tw":57056,"age":42,"inc":51648,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":28056,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":5500,"net_nifa":3000,"tfa":5500,"net_tfa":3000,"tfa_he":3000,"tw":3000,"age":26,"inc":36930,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":3000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-830,"tfa":18600,"net_tfa":16170,"tfa_he":16170,"tw":24108,"age":46,"inc":36525,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-830,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":106000,"hmort":57500,"hequity":48500,"nifa":1424,"net_nifa":-3736,"tfa":3424,"net_tfa":-1736,"tfa_he":46764,"tw":52765,"age":35,"inc":23295,"fsize":1,"educ":16,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26942,"net_n401":-3736,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":80000,"hval":150000,"hmort":30000,"hequity":120000,"nifa":18025,"net_nifa":14675,"tfa":98025,"net_tfa":94675,"tfa_he":214675,"tw":250675,"age":55,"inc":101187,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":14675,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":85000,"hmort":79000,"hequity":6000,"nifa":2073,"net_nifa":-927,"tfa":2073,"net_tfa":-927,"tfa_he":5073,"tw":17073,"age":30,"inc":36144,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":-927,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":4200,"a401":0,"hval":92500,"hmort":21000,"hequity":71500,"nifa":10648,"net_nifa":-79852,"tfa":14848,"net_tfa":-75652,"tfa_he":-4152,"tw":-4152,"age":40,"inc":69321,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":-75652,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":62583,"a401":8000,"hval":180000,"hmort":58000,"hequity":122000,"nifa":23700,"net_nifa":23200,"tfa":94283,"net_tfa":93783,"tfa_he":215783,"tw":262922,"age":39,"inc":59952,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":85783,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":70000,"hmort":40000,"hequity":30000,"nifa":5900,"net_nifa":5900,"tfa":15900,"net_tfa":15900,"tfa_he":45900,"tw":55900,"age":41,"inc":52845,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":5900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":300000,"hmort":150000,"hequity":150000,"nifa":6150,"net_nifa":4250,"tfa":6150,"net_tfa":4250,"tfa_he":154250,"tw":169350,"age":52,"inc":85839,"fsize":2,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68912,"net_n401":4250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8427,"a401":6000,"hval":85000,"hmort":78000,"hequity":7000,"nifa":23928,"net_nifa":23928,"tfa":38355,"net_tfa":38355,"tfa_he":45355,"tw":77355,"age":35,"inc":74556,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":32355,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":225000,"hmort":0,"hequity":225000,"nifa":255863,"net_nifa":250863,"tfa":255863,"net_tfa":250863,"tfa_he":475863,"tw":477863,"age":63,"inc":98712,"fsize":3,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":250863,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":72000,"hmort":70000,"hequity":2000,"nifa":500,"net_nifa":500,"tfa":500,"net_tfa":500,"tfa_he":2500,"tw":7500,"age":27,"inc":37626,"fsize":2,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.37195,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":21000,"a401":0,"hval":80000,"hmort":51000,"hequity":29000,"nifa":33599,"net_nifa":32999,"tfa":54599,"net_tfa":53999,"tfa_he":82999,"tw":147619,"age":58,"inc":48882,"fsize":2,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":53999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":600,"hval":34000,"hmort":9200,"hequity":24800,"nifa":2100,"net_nifa":-21300,"tfa":2700,"net_tfa":-20700,"tfa_he":4100,"tw":9779,"age":41,"inc":38973,"fsize":3,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.38664,"net_n401":-21300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":3600,"a401":1000,"hval":60000,"hmort":53000,"hequity":7000,"nifa":825,"net_nifa":-2475,"tfa":5425,"net_tfa":2125,"tfa_he":9125,"tw":28475,"age":34,"inc":93915,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.58017,"net_n401":1125,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":31250,"a401":13500,"hval":120000,"hmort":76700,"hequity":43300,"nifa":340000,"net_nifa":339400,"tfa":384750,"net_tfa":384150,"tfa_he":427450,"tw":593450,"age":63,"inc":70779,"fsize":3,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":370650,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":17000,"hval":0,"hmort":0,"hequity":0,"nifa":27655,"net_nifa":24155,"tfa":48655,"net_tfa":45155,"tfa_he":45155,"tw":50155,"age":32,"inc":59658,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.50001,"net_n401":24155,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":-3000,"tfa":0,"net_tfa":-3000,"tfa_he":62000,"tw":64333,"age":40,"inc":39816,"fsize":5,"educ":16,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":12000,"a401":2600,"hval":250000,"hmort":120000,"hequity":130000,"nifa":301000,"net_nifa":300000,"tfa":315600,"net_tfa":314600,"tfa_he":444600,"tw":649600,"age":47,"inc":118197,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":312000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1000,"tfa":4000,"net_tfa":3000,"tfa_he":3000,"tw":9000,"age":45,"inc":25500,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-1000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":160000,"hmort":120000,"hequity":40000,"nifa":4000,"net_nifa":-4700,"tfa":6000,"net_tfa":-2700,"tfa_he":37300,"tw":38700,"age":31,"inc":97914,"fsize":3,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":-4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":23000,"a401":80000,"hval":190000,"hmort":40000,"hequity":150000,"nifa":73000,"net_nifa":68000,"tfa":176000,"net_tfa":171000,"tfa_he":321000,"tw":364000,"age":50,"inc":103896,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":91000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":80000,"hval":300000,"hmort":150000,"hequity":150000,"nifa":39250,"net_nifa":39250,"tfa":119250,"net_tfa":119250,"tfa_he":269250,"tw":269250,"age":37,"inc":74013,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":39250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":18000,"a401":20000,"hval":70000,"hmort":0,"hequity":70000,"nifa":69999,"net_nifa":69999,"tfa":107999,"net_tfa":107999,"tfa_he":177999,"tw":186999,"age":64,"inc":46404,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":87999,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":6000,"hval":90000,"hmort":25500,"hequity":64500,"nifa":3800,"net_nifa":2800,"tfa":9800,"net_tfa":8800,"tfa_he":73300,"tw":85300,"age":48,"inc":39312,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.37195,"net_n401":2800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":20,"hval":37000,"hmort":37000,"hequity":0,"nifa":3000,"net_nifa":-2200,"tfa":3020,"net_tfa":-2180,"tfa_he":-2180,"tw":1520,"age":26,"inc":27423,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-2200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":40000,"hmort":23000,"hequity":17000,"nifa":27599,"net_nifa":20699,"tfa":27599,"net_tfa":20699,"tfa_he":37699,"tw":38599,"age":42,"inc":32289,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":20699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3500,"hval":290000,"hmort":150000,"hequity":140000,"nifa":131600,"net_nifa":128600,"tfa":135100,"net_tfa":132100,"tfa_he":272100,"tw":272100,"age":43,"inc":103080,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.56794,"net_n401":128600,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":240000,"hmort":43000,"hequity":197000,"nifa":10600,"net_nifa":9400,"tfa":12100,"net_tfa":10900,"tfa_he":207900,"tw":207900,"age":39,"inc":41793,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":9400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":100000,"hmort":82000,"hequity":18000,"nifa":200,"net_nifa":-10550,"tfa":200,"net_tfa":-10550,"tfa_he":7450,"tw":7450,"age":32,"inc":73707,"fsize":5,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-10550,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":59600,"a401":80000,"hval":80000,"hmort":0,"hequity":80000,"nifa":132259,"net_nifa":132259,"tfa":271859,"net_tfa":271859,"tfa_he":351859,"tw":376859,"age":60,"inc":78990,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":191859,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-20000,"tfa":2000,"net_tfa":-18000,"tfa_he":-18000,"tw":-7321,"age":55,"inc":13260,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":-20000,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":7813,"hval":140000,"hmort":93000,"hequity":47000,"nifa":16025,"net_nifa":14025,"tfa":23838,"net_tfa":21838,"tfa_he":68838,"tw":68838,"age":38,"inc":88770,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":14025,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":140000,"hmort":42000,"hequity":98000,"nifa":18200,"net_nifa":15400,"tfa":18200,"net_tfa":15400,"tfa_he":113400,"tw":113400,"age":41,"inc":59937,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":15400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":65000,"hmort":0,"hequity":65000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":65000,"tw":72406,"age":45,"inc":19176,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2480,"a401":0,"hval":82000,"hmort":55000,"hequity":27000,"nifa":1999,"net_nifa":-151,"tfa":4479,"net_tfa":2329,"tfa_he":29329,"tw":30829,"age":44,"inc":26844,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.37883,"net_n401":2329,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":68000,"hmort":30000,"hequity":38000,"nifa":28000,"net_nifa":27650,"tfa":28000,"net_tfa":27650,"tfa_he":65650,"tw":70600,"age":34,"inc":20370,"fsize":3,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.49189,"net_n401":27650,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":9000,"hval":92000,"hmort":91000,"hequity":1000,"nifa":26300,"net_nifa":26300,"tfa":35300,"net_tfa":35300,"tfa_he":36300,"tw":36300,"age":39,"inc":36900,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":26300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":95000,"hmort":44000,"hequity":51000,"nifa":34850,"net_nifa":34850,"tfa":34850,"net_tfa":34850,"tfa_he":85850,"tw":85850,"age":44,"inc":66381,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":34850,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":14000,"hmort":10000,"hequity":4000,"nifa":416,"net_nifa":121,"tfa":7416,"net_tfa":7121,"tfa_he":11121,"tw":14471,"age":49,"inc":18177,"fsize":2,"educ":10,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":121,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":79700,"net_nifa":79700,"tfa":79700,"net_tfa":79700,"tfa_he":79700,"tw":144200,"age":56,"inc":54132,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.59061,"net_n401":79700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":32600,"a401":15000,"hval":85000,"hmort":0,"hequity":85000,"nifa":8008,"net_nifa":8008,"tfa":55608,"net_tfa":55608,"tfa_he":140608,"tw":140608,"age":43,"inc":46596,"fsize":4,"educ":16,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.71967,"net_n401":40608,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":60000,"hval":55000,"hmort":52000,"hequity":3000,"nifa":52000,"net_nifa":50800,"tfa":112000,"net_tfa":110800,"tfa_he":113800,"tw":131800,"age":37,"inc":71001,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":50800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":90000,"hmort":60000,"hequity":30000,"nifa":500,"net_nifa":0,"tfa":3500,"net_tfa":3000,"tfa_he":33000,"tw":55150,"age":51,"inc":37098,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8290,"a401":0,"hval":70000,"hmort":63000,"hequity":7000,"nifa":20970,"net_nifa":20900,"tfa":29260,"net_tfa":29190,"tfa_he":36190,"tw":36190,"age":34,"inc":38736,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.54491,"net_n401":29190,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":105,"net_nifa":-3395,"tfa":105,"net_tfa":-3395,"tfa_he":-3395,"tw":495,"age":29,"inc":29427,"fsize":4,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-3395,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-2000,"tfa":1000,"net_tfa":-2000,"tfa_he":-2000,"tw":500,"age":43,"inc":23307,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":-2000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":15,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-1660,"tfa":15,"net_tfa":-1645,"tfa_he":-1645,"tw":-1645,"age":35,"inc":14076,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-1660,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":0,"tw":50,"age":33,"inc":15165,"fsize":1,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":1225,"net_nifa":1225,"tfa":6225,"net_tfa":6225,"tfa_he":6225,"tw":16225,"age":37,"inc":42318,"fsize":5,"educ":12,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":1225,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":15200,"a401":3500,"hval":85000,"hmort":0,"hequity":85000,"nifa":42000,"net_nifa":40300,"tfa":60700,"net_tfa":59000,"tfa_he":144000,"tw":144000,"age":58,"inc":28560,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.2696,"net_n401":55500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":3836,"net_nifa":3836,"tfa":3836,"net_tfa":3836,"tfa_he":3836,"tw":4925,"age":25,"inc":33174,"fsize":3,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":3836,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":90000,"hmort":57000,"hequity":33000,"nifa":7898,"net_nifa":7598,"tfa":7898,"net_tfa":7598,"tfa_he":40598,"tw":43798,"age":37,"inc":42000,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":7598,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":28000,"a401":12200,"hval":200000,"hmort":150000,"hequity":50000,"nifa":50000,"net_nifa":50000,"tfa":90200,"net_tfa":90200,"tfa_he":140200,"tw":289200,"age":41,"inc":119133,"fsize":2,"educ":18,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":78000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":105000,"hmort":72000,"hequity":33000,"nifa":4000,"net_nifa":2000,"tfa":16000,"net_tfa":14000,"tfa_he":47000,"tw":51500,"age":35,"inc":75159,"fsize":3,"educ":15,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.68492,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":8000,"hval":130000,"hmort":96000,"hequity":34000,"nifa":5785,"net_nifa":5470,"tfa":13785,"net_tfa":13470,"tfa_he":47470,"tw":53985,"age":30,"inc":54594,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":5470,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":0,"hmort":0,"hequity":0,"nifa":7500,"net_nifa":5700,"tfa":22500,"net_tfa":20700,"tfa_he":20700,"tw":25350,"age":26,"inc":31050,"fsize":1,"educ":17,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.66008,"net_n401":5700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":500,"hval":175000,"hmort":0,"hequity":175000,"nifa":59000,"net_nifa":59000,"tfa":59500,"net_tfa":59500,"tfa_he":234500,"tw":237000,"age":62,"inc":31338,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.60281,"net_n401":59000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-7000,"tfa":21000,"net_tfa":14000,"tfa_he":14000,"tw":17333,"age":33,"inc":30000,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2000,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":600,"net_nifa":100,"tfa":2800,"net_tfa":2300,"tfa_he":2300,"tw":9025,"age":27,"inc":28635,"fsize":1,"educ":12,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20298,"net_n401":2100,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":10000,"hval":192000,"hmort":126000,"hequity":66000,"nifa":0,"net_nifa":-1000,"tfa":10000,"net_tfa":9000,"tfa_he":75000,"tw":75000,"age":36,"inc":59046,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":-1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":114,"hval":0,"hmort":0,"hequity":0,"nifa":2199,"net_nifa":-4301,"tfa":2313,"net_tfa":-4187,"tfa_he":-4187,"tw":-3573,"age":34,"inc":40224,"fsize":3,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.30552,"net_n401":-4301,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":60000,"hmort":44000,"hequity":16000,"nifa":2750,"net_nifa":-1750,"tfa":4750,"net_tfa":250,"tfa_he":16250,"tw":16250,"age":54,"inc":51105,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.66883,"net_n401":-1750,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":300000,"hmort":147000,"hequity":153000,"nifa":2300,"net_nifa":1540,"tfa":5300,"net_tfa":4540,"tfa_he":157540,"tw":165765,"age":51,"inc":34095,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":1540,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":749,"net_nifa":749,"tfa":749,"net_tfa":749,"tfa_he":749,"tw":1749,"age":35,"inc":18837,"fsize":1,"educ":11,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.11521,"net_n401":749,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":165000,"hmort":70000,"hequity":95000,"nifa":2309,"net_nifa":909,"tfa":13309,"net_tfa":11909,"tfa_he":106909,"tw":106909,"age":44,"inc":40917,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":909,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2260,"hval":55000,"hmort":29000,"hequity":26000,"nifa":714,"net_nifa":-686,"tfa":2974,"net_tfa":1574,"tfa_he":27574,"tw":27574,"age":38,"inc":33345,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-686,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1350,"net_nifa":350,"tfa":1350,"net_tfa":350,"tfa_he":350,"tw":350,"age":34,"inc":24891,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":350,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":52000,"a401":20000,"hval":250000,"hmort":57000,"hequity":193000,"nifa":43100,"net_nifa":43100,"tfa":115100,"net_tfa":115100,"tfa_he":308100,"tw":380600,"age":44,"inc":106272,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":95100,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":4000,"net_tfa":4000,"tfa_he":4000,"tw":4000,"age":45,"inc":29250,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.43669,"net_n401":0,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":11000,"hval":180000,"hmort":150000,"hequity":30000,"nifa":2334,"net_nifa":-9666,"tfa":13334,"net_tfa":1334,"tfa_he":31334,"tw":94934,"age":54,"inc":69282,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-9666,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":10500,"hval":118000,"hmort":59000,"hequity":59000,"nifa":29115,"net_nifa":25615,"tfa":64615,"net_tfa":61115,"tfa_he":120115,"tw":120115,"age":49,"inc":96369,"fsize":4,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.58017,"net_n401":30615,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":750,"hval":60000,"hmort":0,"hequity":60000,"nifa":5500,"net_nifa":5477,"tfa":6250,"net_tfa":6227,"tfa_he":66227,"tw":66227,"age":52,"inc":30150,"fsize":2,"educ":8,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.5297,"net_n401":5477,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8400,"a401":0,"hval":100000,"hmort":94000,"hequity":6000,"nifa":1100,"net_nifa":925,"tfa":9500,"net_tfa":9325,"tfa_he":15325,"tw":15325,"age":36,"inc":43305,"fsize":4,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.71967,"net_n401":9325,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":76000,"hmort":36000,"hequity":40000,"nifa":27700,"net_nifa":27250,"tfa":29700,"net_tfa":29250,"tfa_he":69250,"tw":69250,"age":34,"inc":76974,"fsize":5,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.68492,"net_n401":27250,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":68500,"hval":200000,"hmort":150000,"hequity":50000,"nifa":25500,"net_nifa":25500,"tfa":94000,"net_tfa":94000,"tfa_he":144000,"tw":155500,"age":44,"inc":109095,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.56794,"net_n401":25500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":90000,"hmort":46000,"hequity":44000,"nifa":1400,"net_nifa":1400,"tfa":8400,"net_tfa":8400,"tfa_he":52400,"tw":53400,"age":38,"inc":31077,"fsize":4,"educ":14,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.60281,"net_n401":1400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":2000,"a401":7000,"hval":86000,"hmort":10500,"hequity":75500,"nifa":12200,"net_nifa":12200,"tfa":21200,"net_tfa":21200,"tfa_he":96700,"tw":96700,"age":49,"inc":63012,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":14200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":4000,"a401":12500,"hval":95000,"hmort":64000,"hequity":31000,"nifa":700,"net_nifa":-2300,"tfa":17200,"net_tfa":14200,"tfa_he":45200,"tw":50200,"age":51,"inc":58338,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":1700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":650,"net_nifa":-10050,"tfa":650,"net_tfa":-10050,"tfa_he":-10050,"tw":23650,"age":48,"inc":37347,"fsize":2,"educ":13,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.2952,"net_n401":-10050,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":600,"hval":32500,"hmort":24000,"hequity":8500,"nifa":0,"net_nifa":-6150,"tfa":600,"net_tfa":-5550,"tfa_he":2950,"tw":7450,"age":27,"inc":21921,"fsize":4,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-6150,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":3000,"a401":60600,"hval":90000,"hmort":15000,"hequity":75000,"nifa":14959,"net_nifa":14959,"tfa":78559,"net_tfa":78559,"tfa_he":153559,"tw":153559,"age":58,"inc":62766,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":17959,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":8900,"hval":90000,"hmort":86000,"hequity":4000,"nifa":1549,"net_nifa":-51,"tfa":10449,"net_tfa":8849,"tfa_he":12849,"tw":12849,"age":31,"inc":72957,"fsize":2,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-51,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":500,"net_nifa":-1500,"tfa":500,"net_tfa":-1500,"tfa_he":-1500,"tw":10596,"age":35,"inc":41526,"fsize":2,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.59958,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1700,"hval":40000,"hmort":14900,"hequity":25100,"nifa":5750,"net_nifa":2500,"tfa":7450,"net_tfa":4200,"tfa_he":29300,"tw":38300,"age":42,"inc":44760,"fsize":3,"educ":17,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.6077,"net_n401":2500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":75000,"hmort":52000,"hequity":23000,"nifa":7228,"net_nifa":6228,"tfa":7228,"net_tfa":6228,"tfa_he":29228,"tw":29228,"age":52,"inc":53295,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":6228,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":100,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-2800,"tfa":100,"net_tfa":-2700,"tfa_he":-2700,"tw":-2700,"age":52,"inc":35496,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2800,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":7000,"a401":15000,"hval":25000,"hmort":0,"hequity":25000,"nifa":1700,"net_nifa":-2300,"tfa":23700,"net_tfa":19700,"tfa_he":44700,"tw":44700,"age":56,"inc":32520,"fsize":3,"educ":2,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":4700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":4500,"hval":130000,"hmort":79000,"hequity":51000,"nifa":500,"net_nifa":-1000,"tfa":5000,"net_tfa":3500,"tfa_he":54500,"tw":61500,"age":33,"inc":19488,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.15826,"net_n401":-1000,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":33000,"a401":69000,"hval":120000,"hmort":55000,"hequity":65000,"nifa":12000,"net_nifa":12000,"tfa":114000,"net_tfa":114000,"tfa_he":179000,"tw":234000,"age":44,"inc":48966,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":45000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":3500,"hmort":0,"hequity":3500,"nifa":1499,"net_nifa":1499,"tfa":13499,"net_tfa":13499,"tfa_he":16999,"tw":16999,"age":61,"inc":26484,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":1499,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":5000,"a401":80000,"hval":75000,"hmort":28500,"hequity":46500,"nifa":5799,"net_nifa":3759,"tfa":90799,"net_tfa":88759,"tfa_he":135259,"tw":165109,"age":53,"inc":53148,"fsize":1,"educ":18,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.78569,"net_n401":8759,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":50000,"hmort":4600,"hequity":45400,"nifa":75700,"net_nifa":67200,"tfa":85700,"net_tfa":77200,"tfa_he":122600,"tw":123300,"age":36,"inc":33312,"fsize":2,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.60281,"net_n401":67200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":8000,"net_nifa":4000,"tfa":12000,"net_tfa":8000,"tfa_he":8000,"tw":8500,"age":49,"inc":50232,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.59061,"net_n401":4000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":9500,"a401":7000,"hval":122000,"hmort":122000,"hequity":0,"nifa":3750,"net_nifa":3550,"tfa":20250,"net_tfa":20050,"tfa_he":20050,"tw":22096,"age":31,"inc":58275,"fsize":1,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.78569,"net_n401":13050,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":57000,"a401":7000,"hval":95000,"hmort":92000,"hequity":3000,"nifa":19110,"net_nifa":-26490,"tfa":83110,"net_tfa":37510,"tfa_he":40510,"tw":52510,"age":47,"inc":70926,"fsize":3,"educ":18,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":30510,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":33120,"a401":42800,"hval":250000,"hmort":69000,"hequity":181000,"nifa":150028,"net_nifa":144028,"tfa":225948,"net_tfa":219948,"tfa_he":400948,"tw":819276,"age":53,"inc":45447,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.46243,"net_n401":177148,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2200,"a401":18000,"hval":140000,"hmort":87000,"hequity":53000,"nifa":42998,"net_nifa":41498,"tfa":63198,"net_tfa":61698,"tfa_he":114698,"tw":155698,"age":49,"inc":67764,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":43698,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5100,"a401":1000,"hval":61200,"hmort":27500,"hequity":33700,"nifa":12000,"net_nifa":11185,"tfa":18100,"net_tfa":17285,"tfa_he":50985,"tw":52685,"age":44,"inc":54252,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":16285,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":16000,"a401":360,"hval":72000,"hmort":69500,"hequity":2500,"nifa":3665,"net_nifa":2465,"tfa":20025,"net_tfa":18825,"tfa_he":21325,"tw":21325,"age":29,"inc":50367,"fsize":5,"educ":12,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.71309,"net_n401":18465,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":115000,"hmort":82500,"hequity":32500,"nifa":600,"net_nifa":-5600,"tfa":600,"net_tfa":-5600,"tfa_he":26900,"tw":27900,"age":27,"inc":28464,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.27318,"net_n401":-5600,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":0,"hequity":250000,"nifa":0,"net_nifa":0,"tfa":0,"net_tfa":0,"tfa_he":250000,"tw":256000,"age":57,"inc":40086,"fsize":2,"educ":11,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":5,"ecat":1,"zhat":0.4408,"net_n401":0,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":17000,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":294,"net_nifa":-22496,"tfa":18294,"net_tfa":-4496,"tfa_he":-4496,"tw":28104,"age":42,"inc":44016,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.34421,"net_n401":-5496,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2800,"net_nifa":2800,"tfa":2800,"net_tfa":2800,"tfa_he":2800,"tw":29925,"age":32,"inc":23628,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20604,"net_n401":2800,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":7000,"hval":110000,"hmort":69000,"hequity":41000,"nifa":920,"net_nifa":920,"tfa":7920,"net_tfa":7920,"tfa_he":48920,"tw":52920,"age":36,"inc":45210,"fsize":6,"educ":14,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.6077,"net_n401":920,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":45000,"hval":0,"hmort":0,"hequity":0,"nifa":7000,"net_nifa":7000,"tfa":52000,"net_tfa":52000,"tfa_he":52000,"tw":52000,"age":60,"inc":38820,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.66008,"net_n401":7000,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":80000,"hval":0,"hmort":0,"hequity":0,"nifa":4999,"net_nifa":4649,"tfa":84999,"net_tfa":84649,"tfa_he":84649,"tw":86328,"age":45,"inc":16182,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.42152,"net_n401":4649,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":33000,"hval":130000,"hmort":116000,"hequity":14000,"nifa":16000,"net_nifa":16000,"tfa":54000,"net_tfa":54000,"tfa_he":68000,"tw":69888,"age":42,"inc":46659,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.44148,"net_n401":21000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":300,"hval":240000,"hmort":150000,"hequity":90000,"nifa":510,"net_nifa":-13490,"tfa":810,"net_tfa":-13190,"tfa_he":76810,"tw":77610,"age":26,"inc":54558,"fsize":2,"educ":15,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.54054,"net_n401":-13490,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":50200,"hval":140000,"hmort":140000,"hequity":0,"nifa":6200,"net_nifa":500,"tfa":56400,"net_tfa":50700,"tfa_he":50700,"tw":83700,"age":41,"inc":57360,"fsize":4,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":38,"hval":52000,"hmort":42000,"hequity":10000,"nifa":16200,"net_nifa":14200,"tfa":16238,"net_tfa":14238,"tfa_he":24238,"tw":26904,"age":45,"inc":23415,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.26942,"net_n401":14200,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":8200,"a401":0,"hval":228000,"hmort":0,"hequity":228000,"nifa":21000,"net_nifa":21000,"tfa":29200,"net_tfa":29200,"tfa_he":257200,"tw":257200,"age":57,"inc":66840,"fsize":4,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":29200,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":172,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":172,"net_tfa":172,"tfa_he":172,"tw":172,"age":31,"inc":14610,"fsize":1,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":2,"ecat":4,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":42000,"hmort":38000,"hequity":4000,"nifa":220,"net_nifa":-280,"tfa":220,"net_tfa":-280,"tfa_he":3720,"tw":7220,"age":47,"inc":42120,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-280,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":2000,"hval":40000,"hmort":27000,"hequity":13000,"nifa":3000,"net_nifa":3000,"tfa":7000,"net_tfa":7000,"tfa_he":20000,"tw":22000,"age":45,"inc":27600,"fsize":1,"educ":17,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.26587,"net_n401":5000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":5000,"hmort":3200,"hequity":1800,"nifa":0,"net_nifa":-2500,"tfa":0,"net_tfa":-2500,"tfa_he":-700,"tw":21583,"age":46,"inc":10404,"fsize":1,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.40413,"net_n401":-2500,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":190000,"hmort":120000,"hequity":70000,"nifa":8000,"net_nifa":3000,"tfa":8000,"net_tfa":3000,"tfa_he":73000,"tw":86350,"age":49,"inc":58050,"fsize":2,"educ":18,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.74723,"net_n401":3000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":5000,"a401":3800,"hval":140000,"hmort":101000,"hequity":39000,"nifa":32000,"net_nifa":32000,"tfa":40800,"net_tfa":40800,"tfa_he":79800,"tw":199800,"age":38,"inc":76212,"fsize":2,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":7,"ecat":4,"zhat":0.7316,"net_n401":37000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":1200,"a401":0,"hval":90000,"hmort":0,"hequity":90000,"nifa":2309,"net_nifa":2309,"tfa":3509,"net_tfa":3509,"tfa_he":93509,"tw":93509,"age":54,"inc":38250,"fsize":2,"educ":10,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":4,"ecat":1,"zhat":0.35249,"net_n401":3509,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":2000,"hmort":0,"hequity":2000,"nifa":175,"net_nifa":-6109,"tfa":175,"net_tfa":-6109,"tfa_he":-4109,"tw":-4109,"age":31,"inc":29343,"fsize":2,"educ":15,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":3,"ecat":3,"zhat":0.27318,"net_n401":-6109,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":7800,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":2100,"net_nifa":-1200,"tfa":9900,"net_tfa":6600,"tfa_he":6600,"tw":11600,"age":52,"inc":37791,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.27754,"net_n401":6600,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":18400,"a401":1000,"hval":300000,"hmort":100000,"hequity":200000,"nifa":57000,"net_nifa":57000,"tfa":76400,"net_tfa":76400,"tfa_he":276400,"tw":276400,"age":32,"inc":55542,"fsize":2,"educ":16,"db":1,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":75400,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":33000,"a401":51000,"hval":130000,"hmort":110000,"hequity":20000,"nifa":1500,"net_nifa":-18050,"tfa":85500,"net_tfa":65950,"tfa_he":85950,"tw":110950,"age":50,"inc":51897,"fsize":2,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.53365,"net_n401":14950,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":2000,"hval":0,"hmort":0,"hequity":0,"nifa":20,"net_nifa":-2837,"tfa":2020,"net_tfa":-837,"tfa_he":-837,"tw":1763,"age":49,"inc":7296,"fsize":3,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":1,"ecat":2,"zhat":0.02785,"net_n401":-2837,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":21000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":36167,"net_nifa":30987,"tfa":57167,"net_tfa":51987,"tfa_he":51987,"tw":95087,"age":58,"inc":30795,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.27754,"net_n401":51987,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":1500,"hval":0,"hmort":0,"hequity":0,"nifa":3000,"net_nifa":-1500,"tfa":4500,"net_tfa":0,"tfa_he":0,"tw":0,"age":29,"inc":52944,"fsize":2,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.50001,"net_n401":-1500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":326,"net_nifa":226,"tfa":326,"net_tfa":226,"tfa_he":226,"tw":476,"age":28,"inc":14415,"fsize":1,"educ":13,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":226,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":14000,"a401":16000,"hval":150000,"hmort":75000,"hequity":75000,"nifa":49699,"net_nifa":49699,"tfa":79699,"net_tfa":79699,"tfa_he":154699,"tw":159699,"age":49,"inc":51213,"fsize":3,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":63699,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10000,"hval":145000,"hmort":104000,"hequity":41000,"nifa":11552,"net_nifa":-43848,"tfa":21552,"net_tfa":-33848,"tfa_he":7152,"tw":29652,"age":38,"inc":41400,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-43848,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1500,"hval":120000,"hmort":48500,"hequity":71500,"nifa":600,"net_nifa":-2800,"tfa":2100,"net_tfa":-1300,"tfa_he":70200,"tw":70200,"age":35,"inc":24924,"fsize":3,"educ":9,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":-2800,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":1600,"net_nifa":-13700,"tfa":1600,"net_tfa":-13700,"tfa_he":-13700,"tw":-13700,"age":28,"inc":21216,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-13700,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":6299,"net_nifa":5299,"tfa":27299,"net_tfa":26299,"tfa_he":26299,"tw":28024,"age":46,"inc":57678,"fsize":2,"educ":12,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.31695,"net_n401":5299,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":12000,"hval":0,"hmort":0,"hequity":0,"nifa":2000,"net_nifa":-500,"tfa":14000,"net_tfa":11500,"tfa_he":11500,"tw":11500,"age":54,"inc":36000,"fsize":2,"educ":15,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.30866,"net_n401":-500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":14844,"a401":5000,"hval":250000,"hmort":56000,"hequity":194000,"nifa":100,"net_nifa":-400,"tfa":19944,"net_tfa":19444,"tfa_he":213444,"tw":297444,"age":62,"inc":64662,"fsize":2,"educ":13,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":6,"ecat":3,"zhat":0.71309,"net_n401":14444,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":28000,"hval":135000,"hmort":65000,"hequity":70000,"nifa":3000,"net_nifa":300,"tfa":31000,"net_tfa":28300,"tfa_he":98300,"tw":105300,"age":30,"inc":35940,"fsize":4,"educ":13,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.37195,"net_n401":300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":6000,"hmort":18000,"hequity":-12000,"nifa":20,"net_nifa":20,"tfa":4020,"net_tfa":4020,"tfa_he":-7980,"tw":1531,"age":46,"inc":28491,"fsize":3,"educ":10,"db":0,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.26942,"net_n401":20,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":8000,"hval":40000,"hmort":18000,"hequity":22000,"nifa":0,"net_nifa":0,"tfa":8000,"net_tfa":8000,"tfa_he":30000,"tw":33350,"age":44,"inc":17880,"fsize":1,"educ":11,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":2,"ecat":1,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":2000,"hval":65000,"hmort":39000,"hequity":26000,"nifa":8300,"net_nifa":8300,"tfa":10300,"net_tfa":10300,"tfa_he":36300,"tw":37800,"age":34,"inc":43563,"fsize":2,"educ":15,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.53158,"net_n401":8300,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4000,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-700,"tfa":4000,"net_tfa":3300,"tfa_he":3300,"tw":81300,"age":48,"inc":19263,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":2,"ecat":2,"zhat":0.12833,"net_n401":-700,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16700,"a401":30000,"hval":70000,"hmort":19000,"hequity":51000,"nifa":2299,"net_nifa":2099,"tfa":48999,"net_tfa":48799,"tfa_he":99799,"tw":102468,"age":41,"inc":37254,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.35249,"net_n401":18799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":11000,"a401":0,"hval":0,"hmort":0,"hequity":0,"nifa":36500,"net_nifa":36500,"tfa":47500,"net_tfa":47500,"tfa_he":47500,"tw":57850,"age":46,"inc":35640,"fsize":1,"educ":16,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.67399,"net_n401":47500,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":16500,"a401":1000,"hval":125000,"hmort":33000,"hequity":92000,"nifa":17800,"net_nifa":12925,"tfa":35300,"net_tfa":30425,"tfa_he":122425,"tw":122425,"age":38,"inc":57030,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.71309,"net_n401":29425,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":3000,"hval":29000,"hmort":29000,"hequity":0,"nifa":2000,"net_nifa":1000,"tfa":5000,"net_tfa":4000,"tfa_he":4000,"tw":305000,"age":29,"inc":25059,"fsize":7,"educ":8,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":1,"hs":0,"smcol":0,"col":0,"icat":3,"ecat":1,"zhat":0.27318,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":32829,"hval":80000,"hmort":38500,"hequity":41500,"nifa":3076,"net_nifa":-4424,"tfa":35905,"net_tfa":28405,"tfa_he":69905,"tw":84524,"age":59,"inc":51489,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-4424,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":4000,"a401":65000,"hval":84000,"hmort":40000,"hequity":44000,"nifa":13000,"net_nifa":12500,"tfa":82000,"net_tfa":81500,"tfa_he":125500,"tw":133125,"age":45,"inc":63411,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.53365,"net_n401":16500,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":0,"hval":50000,"hmort":49000,"hequity":1000,"nifa":1000,"net_nifa":1000,"tfa":1000,"net_tfa":1000,"tfa_he":2000,"tw":12850,"age":31,"inc":35586,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":1000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":1000,"net_nifa":-5500,"tfa":6000,"net_tfa":-500,"tfa_he":-500,"tw":-500,"age":40,"inc":24927,"fsize":4,"educ":16,"db":1,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.43669,"net_n401":-5500,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":10000,"a401":21000,"hval":0,"hmort":0,"hequity":0,"nifa":1342,"net_nifa":-8390,"tfa":32342,"net_tfa":22610,"tfa_he":22610,"tw":22610,"age":37,"inc":65667,"fsize":4,"educ":12,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.35337,"net_n401":1610,"hown":0,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":29000,"a401":70000,"hval":40000,"hmort":25000,"hequity":15000,"nifa":11950,"net_nifa":11350,"tfa":110950,"net_tfa":110350,"tfa_he":125350,"tw":145350,"age":50,"inc":99084,"fsize":2,"educ":14,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":7,"ecat":3,"zhat":0.7316,"net_n401":40350,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":3000,"hval":73600,"hmort":40500,"hequity":33100,"nifa":1200,"net_nifa":-6500,"tfa":4200,"net_tfa":-3500,"tfa_he":29600,"tw":37600,"age":31,"inc":29937,"fsize":6,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.27318,"net_n401":-6500,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2600,"a401":0,"hval":90000,"hmort":65000,"hequity":25000,"nifa":3200,"net_nifa":3140,"tfa":5800,"net_tfa":5740,"tfa_he":30740,"tw":45336,"age":49,"inc":26505,"fsize":2,"educ":16,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":3,"ecat":4,"zhat":0.4721,"net_n401":5740,"hown":1,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":2000,"a401":0,"hval":57000,"hmort":35000,"hequity":22000,"nifa":20148,"net_nifa":10148,"tfa":22148,"net_tfa":12148,"tfa_he":34148,"tw":34148,"age":36,"inc":58026,"fsize":4,"educ":17,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":12148,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":80,"hval":46000,"hmort":39000,"hequity":7000,"nifa":2805,"net_nifa":-10195,"tfa":2885,"net_tfa":-10115,"tfa_he":-3115,"tw":12885,"age":34,"inc":49200,"fsize":3,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":-10195,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1171,"hval":115000,"hmort":11000,"hequity":104000,"nifa":893,"net_nifa":-5441,"tfa":2064,"net_tfa":-4270,"tfa_he":99730,"tw":99730,"age":38,"inc":40488,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":5,"ecat":4,"zhat":0.4408,"net_n401":-5441,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":12000,"hval":200000,"hmort":0,"hequity":200000,"nifa":2000,"net_nifa":2000,"tfa":14000,"net_tfa":14000,"tfa_he":214000,"tw":214000,"age":45,"inc":48663,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":5,"ecat":2,"zhat":0.4408,"net_n401":2000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":10605,"hval":0,"hmort":0,"hequity":0,"nifa":1395,"net_nifa":-4705,"tfa":12000,"net_tfa":5900,"tfa_he":5900,"tw":8624,"age":40,"inc":38376,"fsize":2,"educ":12,"db":1,"marr":0,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.66008,"net_n401":-4705,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":85000,"hmort":68300,"hequity":16700,"nifa":2901,"net_nifa":-1799,"tfa":20901,"net_tfa":16201,"tfa_he":32901,"tw":39397,"age":29,"inc":39396,"fsize":1,"educ":18,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":4,"ecat":4,"zhat":0.38664,"net_n401":-1799,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":1000,"hval":0,"hmort":0,"hequity":0,"nifa":3600,"net_nifa":3570,"tfa":4600,"net_tfa":4570,"tfa_he":4570,"tw":5570,"age":32,"inc":8664,"fsize":2,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":1,"ecat":3,"zhat":0.02785,"net_n401":3570,"hown":0,"i1":1,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":5000,"hval":0,"hmort":0,"hequity":0,"nifa":812,"net_nifa":-588,"tfa":5812,"net_tfa":4412,"tfa_he":4412,"tw":8078,"age":36,"inc":28500,"fsize":3,"educ":12,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.53157,"net_n401":-588,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":11000,"hval":183000,"hmort":134000,"hequity":49000,"nifa":2499,"net_nifa":-28201,"tfa":13499,"net_tfa":-17201,"tfa_he":31799,"tw":31799,"age":36,"inc":63546,"fsize":5,"educ":16,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":-28201,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1900,"hval":130000,"hmort":51000,"hequity":79000,"nifa":6700,"net_nifa":6700,"tfa":8600,"net_tfa":8600,"tfa_he":87600,"tw":87600,"age":34,"inc":70590,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":6,"ecat":2,"zhat":0.54054,"net_n401":6700,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":2920,"a401":75000,"hval":259000,"hmort":148500,"hequity":110500,"nifa":5100,"net_nifa":2100,"tfa":83020,"net_tfa":80020,"tfa_he":190520,"tw":190520,"age":46,"inc":99372,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":7,"ecat":2,"zhat":0.58017,"net_n401":5020,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":0,"i7":1,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":17000,"hval":90000,"hmort":38000,"hequity":52000,"nifa":700,"net_nifa":-800,"tfa":17700,"net_tfa":16200,"tfa_he":68200,"tw":76200,"age":36,"inc":33738,"fsize":5,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.37195,"net_n401":-800,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":20000,"a401":18225,"hval":125000,"hmort":0,"hequity":125000,"nifa":140910,"net_nifa":140710,"tfa":179135,"net_tfa":178935,"tfa_he":303935,"tw":470710,"age":63,"inc":38307,"fsize":1,"educ":14,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":4,"ecat":3,"zhat":0.36693,"net_n401":160710,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":0,"a4":0,"a5":1}
{"ira":0,"a401":5000,"hval":95000,"hmort":80000,"hequity":15000,"nifa":14300,"net_nifa":13900,"tfa":19300,"net_tfa":18900,"tfa_he":33900,"tw":33900,"age":32,"inc":49542,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":5,"ecat":3,"zhat":0.4408,"net_n401":13900,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":1,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":200,"hval":0,"hmort":0,"hequity":0,"nifa":64,"net_nifa":-1636,"tfa":264,"net_tfa":-1436,"tfa_he":-1436,"tw":5564,"age":27,"inc":37815,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-1636,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":50000,"hmort":44000,"hequity":6000,"nifa":0,"net_nifa":0,"tfa":4500,"net_tfa":4500,"tfa_he":10500,"tw":12000,"age":42,"inc":16512,"fsize":1,"educ":13,"db":0,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.14307,"net_n401":0,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":18000,"hval":75000,"hmort":36000,"hequity":39000,"nifa":19164,"net_nifa":16739,"tfa":37164,"net_tfa":34739,"tfa_he":73739,"tw":82089,"age":38,"inc":17028,"fsize":3,"educ":14,"db":0,"marr":1,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.15826,"net_n401":16739,"hown":1,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":1950,"hval":0,"hmort":0,"hequity":0,"nifa":400,"net_nifa":-2700,"tfa":2350,"net_tfa":-750,"tfa_he":-750,"tw":7750,"age":28,"inc":31926,"fsize":2,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.2952,"net_n401":-2700,"hown":0,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}
{"ira":5000,"a401":27000,"hval":150000,"hmort":65000,"hequity":85000,"nifa":8000,"net_nifa":8000,"tfa":40000,"net_tfa":40000,"tfa_he":125000,"tw":125000,"age":49,"inc":64215,"fsize":4,"educ":16,"db":0,"marr":1,"male":1,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":1,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.53365,"net_n401":13000,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":0,"a4":1,"a5":0}
{"ira":0,"a401":172,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":0,"tfa":172,"net_tfa":172,"tfa_he":172,"tw":1322,"age":34,"inc":13500,"fsize":1,"educ":14,"db":1,"marr":0,"male":0,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":1,"col":0,"icat":2,"ecat":3,"zhat":0.42152,"net_n401":0,"hown":0,"i1":0,"i2":1,"i3":0,"i4":0,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":4500,"hval":53000,"hmort":49000,"hequity":4000,"nifa":936,"net_nifa":-3664,"tfa":5436,"net_tfa":836,"tfa_he":4836,"tw":7669,"age":33,"inc":39027,"fsize":3,"educ":12,"db":1,"marr":1,"male":1,"twoearn":0,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":4,"ecat":2,"zhat":0.5297,"net_n401":-3664,"hown":1,"i1":0,"i2":0,"i3":0,"i4":1,"i5":0,"i6":0,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":0,"hval":250000,"hmort":150000,"hequity":100000,"nifa":10150,"net_nifa":6150,"tfa":10150,"net_tfa":6150,"tfa_he":106150,"tw":211150,"age":34,"inc":62616,"fsize":4,"educ":16,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":0,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.54054,"net_n401":6150,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":1,"a3":0,"a4":0,"a5":0}
{"ira":0,"a401":15000,"hval":63000,"hmort":59000,"hequity":4000,"nifa":3499,"net_nifa":-501,"tfa":18499,"net_tfa":14499,"tfa_he":18499,"tw":18499,"age":41,"inc":56190,"fsize":3,"educ":18,"db":1,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":0,"smcol":0,"col":1,"icat":6,"ecat":4,"zhat":0.66883,"net_n401":-501,"hown":1,"i1":0,"i2":0,"i3":0,"i4":0,"i5":0,"i6":1,"i7":0,"a1":0,"a2":0,"a3":1,"a4":0,"a5":0}
{"ira":0,"a401":600,"hval":0,"hmort":0,"hequity":0,"nifa":0,"net_nifa":-6000,"tfa":600,"net_tfa":-5400,"tfa_he":-5400,"tw":-4300,"age":28,"inc":26205,"fsize":4,"educ":12,"db":0,"marr":1,"male":0,"twoearn":1,"dum91":1,"e401":1,"p401":1,"pira":0,"nohs":0,"hs":1,"smcol":0,"col":0,"icat":3,"ecat":2,"zhat":0.20929,"net_n401":-6000,"hown":0,"i1":0,"i2":0,"i3":1,"i4":0,"i5":0,"i6":0,"i7":0,"a1":1,"a2":0,"a3":0,"a4":0,"a5":0}