organization type from screener
fiscal year end month from screener
fiscal year end day from screener
eligibility flag from screener
date screener completed
rachel's constructed race_size var
karen's preloaded variable
msa/ non msa from d&b
census region from d&b
interview date began
time interview began
number of working owners
number of non-owner employees
sic code description confirmed
fiscal year end date
organization type
more than one stockholder
number of sites
number of sites in same area as hq
primary area of sales
use of computers
computers used for pc banking
computers used for e-mail
computers used for internet sales
computers used for credit apps online
computers used for inventory mgmt
computers used for admin
computers used for acct/bookkeeping
computers used for other
most important problem facing business
used irs tax records
used our worksheets
used financial statements
used bank statements
used memory
used other written records
use checking accounts
loop1 checking balance year end
loop2 checking balance year end
loop3 checking balance year end
any savings accounts
loop1 saving balance year end
loop2 saving balance year end
loop3 saving balance year end
used owner's personal credit card
personal credit card avg monthly charge
personal credit card paid in full
remaining bal on per credit card
used business credit cards
business credit card avg monthly charge
business credit card paid in full
remaining bal on business credit card
any credit lines for bus purposes
loop1 number of credit lines
loop1 credit limit
loop1 amount owed on credit line
loop1 credit line guaranty required
loop1 credit line collateral required
loop1 inventory or a/r for loc
loop1 equip or veh for loc
loop1 bus sec or deps for loc
loop1 bus real estate for loc
loop1 per real estate for loc
loop1 oth per assets for loc
loop1 other collateral for loc
loop1 inst req compensating bal
loop2 num of credit lines
loop2 credit limit
loop2 amt owed credit line
loop2 credit line guaranty required
loop2 credit line collateral required
loop2 inventory or a/r for loc
loop2 equip or veh for loc
loop2 bus sec or deps for loc
loop2 bus real estate for loc
loop2 per real estate for loc
loop2 oth per assets for loc
loop2 other collateral for loc
loop2 inst req compensating bal
loop3 num of credit lines
loop3 credit limit
loop3 amt owed credit line
loop3 credit line guaranty required
loop3 credit line collateral required
loop3 inventory or a/r for loc
loop3 equip or veh for loc
loop3 bus sec or deps for loc
loop3 bus real estate for loc
loop3 per real estate for loc
loop3 oth per assets for loc
loop3 other collateral for loc
loop3 inst req compensating bal
any capital leases
loop1 num cap lease
loop1cap lease principal owed
loop2 num cap lease
loop2 cap lease principal owed
loop3 num cap lease
loop3 cap lease principal owed
any mortgages
loop1 num mortgages
loop1 mort principle owed
loop1 mort guaranty
loop1 mort collateralized real estate
loop1 mort collateral other type
loop1 inventory or a/r for mortgages
loop1 equip or veh for mortgages
loop1 bus sec or deps for mortgages
loop1 oth per assets for mortgages
loop1 other collateral for mortgages
loop2 num mortgages
loop2 mort principle owed
loop2 mort guaranty
loop2mort collateralized real estate
loop2 mort collateral other type
loop2 inventory or a/r for mortgages
loop2 equip or veh for mortgages
loop2 bus sec or deps for mortgages
loop2 oth per assets for mortgages
loop2 other collateral for mortgages
loop3 num mortgages
loop3 mort principle owed
loop3 mort guaranty
loop3 mort collateralized real estate
loop3 mort collateral other type
loop3 inventory or a/r for mortgages
loop3 equip or veh for mortgages
loop3 bus sec or deps for mortgages
loop3 oth per assets for mortgages
loop3 other collateral for mortgages
motor vehicle loan filter
loop1 num mvl
loop1 mvl principle owed
loop1 mvl guaranty
loop1 mvl collateralized by veh purch
loop1 mvl other collateral used
loop1 inventory or a/r for mvl
loop1 equip or oth veh for mvl
loop1 bus sec or deps for mvl
loop1 bus real estate for mvl
loop1 per real estate for mvl
loop1 other per assets for mvl
loop1 other collateral for mvl
loop2 num mvl
loop2 mvl principle owed
loop2 mvl guaranty
loop2 mvl collateralized by veh purch
loop2 mvl other collateral used
loop2 inventory or a/r for mvl
loop2 equip or oth veh for mvl
loop2 bus sec or deps for mvl
loop2 bus real estatefor mvl
loop2 personal real estate for mvl
loop2 other personal assets for mvl
loop2 other collateral for mvl
loop3 num mvl
loop3 mvl principle owed
loop3 mvl guaranty
loop3 mvl collateralized by veh purch
loop3 mvl other collateral used
loop3 inventory or a/r for mvl
loop3 equip or other veh for mvl
loop3 bus sec or deposits for mvl
loop3 bus real estate for mvl
loop3 per real estate for mvl
loop3 oth per assets for mvl
loop3 other collateral for mvl
equipment loan filter
loop1 num eql
loop1 eql principle owed
loop1 eql guaranty
loop1 eql collateralized w_equip
loop1 eql collateral other
loop1 inventory or a/r for eql
loop1 oth equip or veh for eql
loop1 bus sec or deps for eql
loop1 bus real estate for eql
loop1 per real estate for eql
loop1 oth per assets for eql
loop1 other collateral for eql
loop2 num eql
loop2 eql principle owed
loop2 eql guaranty
loop2 eql collateralized w_equip
loop2  eql collateral other
loop2 inventory or a/r  for eql
loop2 other equip or veh for eql
loop2 bus sec or deps for eql
loop2 bus real estate for eql
loop2 per real estate for eql
loop2 oth per assets for eql
loop2 other collateral for eql
loop3 num eql
loop3 eql principle owed
loop3 eql guaranty
loop3 eql collateralized w_equip
loop3 eql collateral other
loop3 inventory or a/r for eql
loop3  oth equip or veh for eql
loop3 bus sec or deps for eql
loop3 bus real estate for eql
loop3 per real estate for eql
loop3 oth per assets for eql
loop3 other collateral for eql
loans from stockholders
num stockholder loans
stockholder loans prin owed
other loan filter
loop1 num other loan
loop1 principle owed other loan
loop1 line of credit
loop1 capital lease
loop1 mortgage for business purposes
loop1 vehicle loan for business purposes
loop1 equipment loan
loop1 other loan type
loop1 other loan guaranty
loop1 other loan collateral filter
loop1 inventory or a/r for other loan
loop1 equip or veh for other loan
loop1 bus sec or deposits for other loan
loop1 bus real estate for other loan
loop1 per real estate for other loan
loop1 other per assets for other loan
loop1 other collateral for other loan
loop1 other loan compensating balance
loop2 num other loan
loop2 principle owed other loan
loop2 line of credit
loop2 capital lease
loop2 mortgage for business purposes
loop2 vehicle loan for business purposes
loop2 equipment loan
loop2 other loan type
loop2 other loan guaranty
loop2 other loan collateral filter
loop2 inventory or a/r for other loan
loop2 equip or veh for other loan
loop2 bus sec or deposits for other loan
loop2 bus real estate for other loan
loop2 per real estate for other loan
loop2 other per assets for other loan
loop2 other collateral for other loan
loop2 other loan compensating balance
loop3 num other loan
loop3 principle owed other loan
loop3 line of credit
loop3 capital lease
loop3 mortgage for business purposes
loop3 vehicle loan for business purposes
loop3 equipment loan
loop3 other loan type
loop3 other loan guaranty
loop3 other loan collateral filter
loop3 inventory or a/r for other loan
loop3 equip or veh for other loan
loop3 bus sec or deposits for other loan
loop3 bus real estate for other loan
loop3 per real estate for other loan
loop3 other per assets for other loan
loop3 other collateral for other loan
mrl approved loan type
mrl approved month
mrl approved year
mrl approved amount applied for
mrl approved compensating bal required
mrl approved guaranty required
mrl approved collateral required
inventory or a/r for mrl approved
equip or veh for mrl approved
business sec or deposit for mrl approved
business real estate for mrl approved
personal real estate for mrl approved
other personal asset for mrl approved
other collateral for mrl approved
mrl approved amount granted
mrl approved fixed or variable rate
mrl approved interest rate index
mrl approved percent over index
mrl approved original interest rate
mrl approved points to close
mrl approv total cost of obtaining loan
mrl denied loan type
mrl denied month
mrl denied year
mrl denied amount applied for
mrl denied other reasons
didn't apply fearing denial
use transaction services
use cash management services
use credit related services
use trust services
use brokerage services
use trade credit
percent of purchases on trade credit
number of trade credit suppliers
% of suppliers offering cash discounts
% of cash discounts used by firm
paid bill after due date
% of balances paid after due date
cash discount from most important supplr
length of discnt period most imp supplr
amount of discount (%) most import suppl
# days in bill period most import supplr
penalty for late pymnt most imprt supplr
suppliers ever denied trade credit
equity capital from existing owners
amount of equity from existing owners
primary use for equity from existng ownr
equity capital from other sources
amount of equity from other sources
primary use for equity from othr sources
equity from informal investors
equity from venture capital firm
equity from public offering
equity from other source
tax records cover entire year
accounting period begin month
accounting period begin day
accounting period begin year
total sales for current fy
total sales for previous fy
other income
total cost of doing business
total corporate tax
cash on hand
accounts receivable
inventory
other current assets
investments
book value land
depreciable assets
total amount of other assets
amount of other asset loop1
amount of other asset loop2
amount of other asset loop3
total assets
total loans
accounts payable
current liabilities
total amount of other liabilities
amount of other liability loop1
amount of other liability loop2
amount of other liability loop3
total liabilities
bankruptcy past seven years
bankruptcy by firm, owner or both
delinquent on personal obligations
delinquent on business obligations
judgements against owner
interview end date
1st inst checking account_inst flags
2nd inst checking account_inst flags
3rd inst checking account_inst flags
4th inst checking account_inst flags
5th inst checking account_inst flags
6th inst checking account_inst flags
7th inst checking account_inst flags
8th inst checking account_inst flags
9th inst checking account_inst flags
10th inst checking account_inst flags
11th inst checking account_inst flags
12th inst checking account_inst flags
13th inst checking account_inst flags
14th inst checking account_inst flags
15th inst checking account_inst flags
16th inst checking account_inst flags
17th inst checking account_inst flags
18th inst checking account_inst flags
19th inst checking account_inst flags
20th inst checking account_inst flags
1st inst savings account_inst flags
2nd inst savings account_inst flags
3rd inst savings account_inst flags
4th inst savings account_inst flags
5th inst savings account_inst flags
6th inst savings account_inst flags
7th inst savings account_inst flags
8th inst savings account_inst flags
9th inst savings account_inst flags
10th inst savings account_inst flags
11th inst savings account_inst flags
12th inst savings account_inst flags
13th inst savings account_inst flags
14th inst savings account_inst flags
15th inst savings account_inst flags
16th inst savings account_inst flags
17th inst savings account_inst flags
18th inst savings account_inst flags
19th inst savings account_inst flags
20th inst savings account_inst flags
1st inst line of credit_inst flags
2nd inst line of credit_inst flags
3rd inst line of credit_inst flags
4th inst line of credit_inst flags
5th inst line of credit_inst flags
6th inst line of credit_inst flags
7th inst line of credit_inst flags
8th inst line of credit_inst flags
9th inst line of credit_inst flags
10th inst line of credit_inst flags
11th inst line of credit_inst flags
12th inst line of credit_inst flags
13th inst line of credit_inst flags
14th inst line of credit_inst flags
15th inst line of credit_inst flags
16th inst line of credit_inst flags
17th inst line of credit_inst flags
18th inst line of credit_inst flags
19th inst line of credit_inst flags
20th inst line of credit_inst flags
1st inst capital lease_inst flags
2nd inst capital lease_inst flags
3rd inst capital lease_inst flags
4th inst capital lease_inst flags
5th inst capital lease_inst flags
6th inst capital lease_inst flags
7th inst capital lease_inst flags
8th inst capital lease_inst flags
9th inst capital lease_inst flags
10th inst capital lease_inst flags
11th inst capital lease_inst flags
12th inst capital lease_inst flags
13th inst capital lease_inst flags
14th inst capital lease_inst flags
15th inst capital lease_inst flags
16th inst capital lease_inst flags
17th inst capital lease_inst flags
18th inst capital lease_inst flags
19th inst capital lease_inst flags
20th inst capital lease_inst flags
1st inst mortgage_inst flags
2nd inst mortgage_inst flags
3rd inst mortgage_inst flags
4th inst mortgage_inst flags
5th inst mortgage_inst flags
6th inst mortgage_inst flags
7th inst mortgage_inst flags
8th inst mortgage_inst flags
9th inst mortgage_inst flags
10th inst mortgage_inst flags
11th inst mortgage_inst flags
12th inst mortgage_inst flags
13th inst mortgage_inst flags
14th inst mortgage_inst flags
15th inst mortgage_inst flags
16th inst mortgage_inst flags
17th inst mortgage_inst flags
18th inst mortgage_inst flags
19th inst mortgage_inst flags
20th inst mortgage_inst flags
1st inst motor vehicle loan_inst flags
2nd inst motor vehicle loan_inst flags
3rd inst motor vehicle loan_inst flags
4th inst motor vehicle loan_inst flags
5th inst motor vehicle loan_inst flags
6th inst motor vehicle loan_inst flags
7th inst motor vehicle loan_inst flags
8th inst motor vehicle loan_inst flags
9th inst motor vehicle loan_inst flags
10th inst motor vehicle loan_inst flags
11th inst motor vehicle loan_inst flags
12th inst motor vehicle loan_inst flags
13th inst motor vehicle loan_inst flags
14th inst motor vehicle loan_inst flags
15th inst motor vehicle loan_inst flags
16th inst motor vehicle loan_inst flags
17th inst motor vehicle loan_inst flags
18th inst motor vehicle loan_inst flags
19th inst motor vehicle loan_inst flags
20th inst motor vehicle loan_inst flags
1st inst equipment loan_inst flags
2nd inst equipment loan_inst flags
3rd inst equipment loan_inst flags
4th inst equipment loan_inst flags
5th inst equipment loan_inst flags
6th inst equipment loan_inst flags
7th inst equipment loan_inst flags
8th inst equipment loan_inst flags
9th inst equipment loan_inst flags
10th inst equipment loan_inst flags
11th inst equipment loan_inst flags
12th inst equipment loan_inst flags
13th inst equipment loan_inst flags
14th inst equipment loan_inst flags
15th inst equipment loan_inst flags
16th inst equipment loan_inst flags
17th inst equipment loan_inst flags
18th inst equipment loan_inst flags
19th inst equipment loan_inst flags
20th inst equipment loan_inst flags
1st inst other loan_inst flags
2nd inst other loan_inst flags
3rd inst other loan_inst flags
4th inst other loan_inst flags
5th inst other loan_inst flags
6th inst other loan_inst flags
7th inst other loan_inst flags
8th inst other loan_inst flags
9th inst other loan_inst flags
10th inst other loan_inst flags
11th inst other loan_inst flags
12th inst other loan_inst flags
13th inst other loan_inst flags
14th inst other loan_inst flags
15th inst other loan_inst flags
16th inst other loan_inst flags
17th inst other loan_inst flags
18th inst other loan_inst flags
19th inst other loan_inst flags
20th inst other loan_inst flags
1st inst mra institution flag
2nd inst mra institution flag
3rd inst mra institution flag
4th inst mra institution flag
5th inst mra institution flag
6th inst mra institution flag
7th inst mra institution flag
8th inst mra institution flag
9th inst mra institution flag
10th inst mra institution flag
11th inst mra institution flag
12th inst mra institution flag
13th inst mra institution flag
14th inst mra institution flag
15th inst mra institution flag
16th inst mra institution flag
17th inst mra institution flag
18th inst mra institution flag
19th inst mra institution flag
20th inst mra institution flag
1st inst mrd institution flag
2nd inst mrd institution flag
3rd inst mrd institution flag
4th inst mrd institution flag
5th inst mrd institution flag
6th inst mrd institution flag
7th inst mrd institution flag
8th inst mrd institution flag
9th inst mrd institution flag
10th inst mrd institution flag
11th inst mrd institution flag
12th inst mrd institution flag
13th inst mrd institution flag
14th inst mrd institution flag
15th inst mrd institution flag
16th inst mrd institution flag
17th inst mrd institution flag
18th inst mrd institution flag
19th inst mrd institution flag
20th inst mrd institution flag
1st inst transaction svc instit flag
2nd inst transaction svc instit flag
3rd inst transaction svc instit flag
4th inst transaction svc instit flag
5th inst transaction svc instit flag
6th inst transaction svc instit flag
7th inst transaction svc instit flag
8th inst transaction svc instit flag
9th inst transaction svc instit flag
10th inst transaction svc instit flag
11th inst transaction svc instit flag
12th inst transaction svc instit flag
13th inst transaction svc instit flag
14th inst transaction svc instit flag
15th inst transaction svc instit flag
16th inst transaction svc instit flag
17th inst transaction svc instit flag
18th inst transaction svc instit flag
19th inst transaction svc instit flag
20th inst transaction svc instit flag
1st inst cash mgmt svc institution flag
2nd inst cash mgmt svc institution flag
3rd inst cash mgmt svc institution flag
4th inst cash mgmt svc institution flag
5th inst cash mgmt svc institution flag
6th inst cash mgmt svc institution flag
7th inst cash mgmt svc institution flag
8th inst cash mgmt svc institution flag
9th inst cash mgmt svc institution flag
10th inst cash mgmt svc institution flag
11th inst cash mgmt svc institution flag
12th inst cash mgmt svc institution flag
13th inst cash mgmt svc institution flag
14th inst cash mgmt svc institution flag
15th inst cash mgmt svc institution flag
16th inst cash mgmt svc institution flag
17th inst cash mgmt svc institution flag
18th inst cash mgmt svc institution flag
19th inst cash mgmt svc institution flag
20th inst cash mgmt svc institution flag
1st inst credit related svc instit flag
2nd inst credit related svc instit flag
3rd inst credit related svc instit flag
4th inst credit related svc instit flag
5th inst credit related svc instit flag
6th inst credit related svc instit flag
7th inst credit related svc instit flag
8th inst credit related svc instit flag
9th inst credit related svc instit flag
10th inst credit related svc instit flag
11th inst credit related svc instit flag
12th inst credit related svc instit flag
13th inst credit related svc instit flag
14th inst credit related svc instit flag
15th inst credit related svc instit flag
16th inst credit related svc instit flag
17th inst credit related svc instit flag
18th inst credit related svc instit flag
19th inst credit related svc instit flag
20th inst credit related svc instit flag
1st inst trust svc institution flag
2nd inst trust svc institution flag
3rd inst trust svc institution flag
4th inst trust svc institution flag
5th inst trust svc institution flag
6th inst trust svc institution flag
7th inst trust svc institution flag
8th inst trust svc institution flag
9th inst trust svc institution flag
10th inst trust svc institution flag
11th inst trust svc institution flag
12th inst trust svc institution flag
13th inst trust svc institution flag
14th inst trust svc institution flag
15th inst trust svc institution flag
16th inst trust svc institution flag
17th inst trust svc institution flag
18th inst trust svc institution flag
19th inst trust svc institution flag
20th inst trust svc institution flag
1st inst brokerage svc institution flag
2nd inst brokerage svc institution flag
3rd inst brokerage svc institution flag
4th inst brokerage svc institution flag
5th inst brokerage svc institution flag
6th inst brokerage svc institution flag
7th inst brokerage svc institution flag
8th inst brokerage svc institution flag
9th inst brokerage svc institution flag
10th inst brokerage svc institution flag
11th inst brokerage svc institution flag
12th inst brokerage svc institution flag
13th inst brokerage svc institution flag
14th inst brokerage svc institution flag
15th inst brokerage svc institution flag
16th inst brokerage svc institution flag
17th inst brokerage svc institution flag
18th inst brokerage svc institution flag
19th inst brokerage svc institution flag
20th inst brokerage svc institution flag
number of checking sources
number of saving sources
number of loc sources
number of lease sources
number of mort sources
number of mot veh source
number of equip loan sources
number of other loan sources
number of mra sources
number of mrd sources
number of trans services sources
number of cash mgt sources
number of cred. serv. sources
number of trust sources
number of brokerage sources
total number of workers
type other asset 1
type other asset 2
type other asset 3
type other liab 1
type other liab 2
type other liab 3
den trade credit reason1
den trade credit reason2
den trade credit reason3
reason 1 apply
reason 2 apply
reason 3 apply
reason1 applied with mrl denied inst
reason2 applied with mrl denied inst
reason3 applied with mrl denied inst
mrl denied official reason1
mrl denied official reason2
mrl denied official reason3
mrl denied other reason1
mrl denied other reason2
mrl denied other reason3
reason1 feared application denial
reason2 feared application denial
reason3 feared application denial
loop1 non specified bus assets for loc
loop2 non specified bus assets for loc
loop3 non specified bus assets for loc
loop1 non specified bus assets for mortg
loop2 non specified bus assets for mortg
loop3 non specified bus assets for mortg
loop1 non specified bus assets for mvl
loop2 non specified bus assets for mvl
loop3 non specified bus assets for mvl
loop1 non specified bus assets for eql
loop2 non specified bus assets for eql
loop3 non specified bus assets for eql
loop1 non specified bus assets for othl
loop2 non specified bus assets for othl
loop3 non specified bus assets for othl
non specified bus assets for mrl approve
loop1 oth assets, bus or per n/a loc
loop2 oth assets, bus or per n/a loc
loop3 oth assets, bus or per n/a loc
loop1 oth assets, bus or per n/a mortg
loop2 oth assets, bus or per n/a mortg
loop3 oth assets, bus or per n/a mortg
loop1 oth assets, bus or per n/a mvl
loop2 oth assets, bus or per n/a mvl
loop3 oth assets, bus or per n/a mvl
loop1 oth assets, bus or per n/a eql
loop2 oth assets, bus or per n/a eql
loop3 oth assets, bus or per n/a eql
loop1 oth assets, bus or per n/a othl
loop2 oth assets, bus or per n/a othl
loop3 oth assets, bus or per n/a othl
oth assets, bus or per n/a, mrl approved
hispanic owned
female owned
management responsibility
owner age
education of owner
owner experience
age of firm in years
ownership share of principal owner
family owned
number of owners
minority owned
race if minority
primary institution number
loop2 inst number
loop3 inst number
loop 4 inst number
loop5 inst number
loop6 inst number
loop7 inst number
loop8 inst number
number of times applied for new loans
frequency of applying new loans 1=1 2=ma
approved/denied 1=app 2=den 3=both
approved institution number
institution number of denied institution
total months with approved institution
mrl approv commitment or maturity mo tot
total months with denied institution
reported profit
reported equity
home owned by owner
value of home equity
owner net worth sans home
final sample weight
region 1ne2ma3enc4wnc5sa6esc7wsc8m9p
msa indicator = 1 if in msa
inst 1 type
inst 2 type
inst 3 type
inst 4 type
inst 5 type
inst 6 type
inst 7 type
inst 8 type
inst 9 type
inst 10 type
inst 11 type
inst 12 type
inst 13 type
inst 14 type
inst 15 type
inst 16 type
inst 17 type
inst 18 type
inst 19 type
inst 20 type
institution 1 in same area as firm hq
institution 2 in same area as firm hq
institution 3 in same area as firm hq
institution 4 in same area as firm hq
institution 5 in same area as firm hq
institution 6 in same area as firm hq
institution 7 in same area as firm hq
institution 8 in same area as firm hq
institution 9 in same area as firm hq
institution 10 in same area as firm hq
institution 11 in same area as firm hq
institution 12 in same area as firm hq
institution 13 in same area as firm hq
institution 14 in same area as firm hq
institution 15 in same area as firm hq
institution 16 in same area as firm hq
institution 17 in same area as firm hq
institution 18 in same area as firm hq
institution 19 in same area as firm hq
institution 20 in same area as firm hq
distance between the firm and inst 1
distance between the firm and inst 2
distance between the firm and inst 3
distance between the firm and inst 4
distance between the firm and inst 5
distance between the firm and inst 6
distance between the firm and inst 7
distance between the firm and inst 8
distance between the firm and inst 9
distance between the firm and inst 10
distance between the firm and inst 11
distance between the firm and inst 12
distance between the firm and inst 13
distance between the firm and inst 14
distance between the firm and inst 15
distance between the firm and inst 16
distance between the firm and inst 17
distance between the firm and inst 18
distance between the firm and inst 19
distance between the firm and inst 20
most frequent interface with inst 1
most frequent interface with inst 2
most frequent interface with inst 3
most frequent interface with inst 4
most frequent interface with inst 5
most frequent interface with inst 6
most frequent interface with inst 7
most frequent interface with inst 8
most frequent interface with inst 9
most frequent interface with inst 10
most frequent interface with inst 11
most frequent interface with inst 12
most frequent interface with inst 13
most frequent interface with inst 14
most frequent interface with inst 15
most frequent interface with inst 16
most frequent interface with inst 17
most frequent interface with inst 18
most frequent interface with inst 19
most frequent interface with inst 20
months with institution 1
months with institution 2
months with institution 3
months with institution 4
months with institution 5
months with institution 6
months with institution 7
months with institution 8
months with institution 9
months with institution 10
months with institution 11
months with institution 12
months with institution 13
months with institution 14
months with institution 15
months with institution 16
months with institution 17
months with institution 18
months with institution 19
months with institution 20
reason #1 for using institution 1
reason #1 for using institution 2
reason #1 for using institution 3
reason #1 for using institution 4
reason #1 for using institution 5
reason #1 for using institution 6
reason #1 for using institution 7
reason #1 for using institution 8
reason #1 for using institution 9
reason #1 for using institution 10
reason #1 for using institution 11
reason #1 for using institution 12
reason #1 for using institution 13
reason #1 for using institution 14
reason #1 for using institution 15
reason #1 for using institution 16
reason #1 for using institution 17
reason #1 for using institution 18
reason #1 for using institution 19
reason #1 for using institution 20
reason #2 for using institution 1
reason #2 for using institution 2
reason #2 for using institution 3
reason #2 for using institution 4
reason #2 for using institution 5
reason #2 for using institution 6
reason #2 for using institution 7
reason #2 for using institution 8
reason #2 for using institution 9
reason #2 for using institution 10
reason #2 for using institution 11
reason #2 for using institution 12
reason #2 for using institution 13
reason #2 for using institution 14
reason #2 for using institution 15
reason #2 for using institution 16
reason #2 for using institution 17
reason #2 for using institution 18
reason #2 for using institution 19
reason #2 for using institution 20
reason #3 for using institution 1
reason #3 for using institution 2
reason #3 for using institution 3
reason #3 for using institution 4
reason #3 for using institution 5
reason #3 for using institution 6
reason #3 for using institution 7
reason #3 for using institution 8
reason #3 for using institution 9
reason #3 for using institution 10
reason #3 for using institution 11
reason #3 for using institution 12
reason #3 for using institution 13
reason #3 for using institution 14
reason #3 for using institution 15
reason #3 for using institution 16
reason #3 for using institution 17
reason #3 for using institution 18
reason #3 for using institution 19
reason #3 for using institution 20
db credit score rank 1=best
number of calls made to firm
incentive used
stage2_stratum
number of months for reported sales
recoded: how firm established or acquire
1999 herfindahl, 100% bank
1999 herfindahl, 100% bank 50% thrift