Table 6.

Variable descriptions

Variable	Description
health	health satisfaction, 0 (low) – 10 (high)
handicap	1 if handicapped, 0 otherwise
hdegree	degree of handicap in percentage points
married	1 if married, 0 otherwise
schooling	years of schooling
hhincome	household monthly net income, in German marks/1000
children	1 if children under 16 in the household, 0 otherwise
self	1 if self employed, 0 otherwise
civil	1 if civil servant, 0 otherwise
bluec	1 if blue collar employee, 0 otherwise
employed	1 if employed, 0 otherwise
public	1 if public health insurance, 0 otherwise
addon	1 if add-on insurance, 0 otherwise
age30	1 if age >= 30
age35	1 if age >= 35
age40	1 if age >= 40
age45	1 if age >= 45
age50	1 if age >= 50
age55	1 if age >= 55
age60	1 if age >= 60