Shin-Yi Chou, Jin-Tan Liu and Cliff J. Huang, "Health Insurance and Savings Over the Life Cycle - A Semiparametric Smooth Coefficient Estimation", Journal of Applied Econometrics, Vol. 19, No. 3, 2004, pp. 295-322. There are two data sets in the zip file clh.zip. gov.dat contains the pseudo-panel data for government-employed households. pri.dat contains the pseudo-panel data for private-employed households. Both are ASCII files in DOS format. gov.dat has 319 observations and pri.dat has 320 observations. Both have 19 variables. The order of the variables is: mlnsav log(saving), saving excludes durable goods mlnsav1 log(saving), saving includes durable goods mlncon log(consumption expenditure), consumption includes durable goods mlncon1 log(consumption expenditure), consumption excludes durable goods mlnconf log(per capita consumption), consumption includes durable goods mlnconf1 log(per capita consumption), consumption excludes durable goods medu Years of schooling of household head medu2 Squared of years of schooling of houseohld head mage Age of household head mage2 Squared of age of household head mltinc Log(total income) mltincf Log(per capita income) mfamily Log(# of family members) trend Trend nhi NHI dummy (=1 if year>=1995) mlpinc Log(permanent income) msedu Years of schooling of spouse msedu2 Squared of years of schooling of spouse mlpincf Log(per capita permanent income) If there are any questions, please contact Shin-Yi Chou (syc2@lehigh.edu).