Table 9
        Effect of Panel, Poverty, Age and Other Economic
        and Demographic Factors on Experience of Multiple
                           Hardships

Source:  U.S. Bureau of the Census
Internet Release date:  December 31, 1998

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                                Coef.         Coef.         Coef.
                          (std. err.)   (std. err.)   (std. err.)
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1992 Panel                     0.08*          0.03          0.05
                              (0.04)        (0.04)        (0.04)
1993 Panel                    -0.31*        -0.29*        -0.30*
                              (0.04)        (0.04)        (0.04)
Late panel respondent                       -0.29*         -0.08
                                            (0.05)        (0.05)
N                              41262         41262         41262
Null                         31137.8       31137.8       31137.8
Residual                     31018.7       30984.2       24995.3
Model                          119.1         153.6        6142.5
D.F.                               2             3            22
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* indicates coefficient is greater than 2 times its standard error.