The SAS System                                1
                                              21:01 Wednesday, December 13, 2000

                              The MEANS Procedure

Variable       N            Mean         Std Dev         Minimum         Maximum
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ID          7535       278823.64       136266.42        10735.00       580996.00
costs       7535     16267407.93     19370150.16       127562.00       224707082
days        7535        20785.42        24166.55       1.0000000       236434.00
visits      7535         9853.14         9509.26      19.0000000       105095.00
year        7535         1993.00       1.4118596         1991.00         1995.00
quarter     7535       2.5003318       1.1178113       1.0000000       4.0000000
lnc         7535      16.0834996       1.0664386      11.7563578      19.2303083
lnd         7535       9.4017244       1.1329640               0      12.3734244
lnv         7535       8.7460977       1.0540256       2.9444390      11.5626200
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                                 The SAS System                                2
                                              21:01 Wednesday, December 13, 2000

                               The REG Procedure
                                 Model: MODEL1
                            Dependent Variable: lnc 

                              Analysis of Variance
 
                                     Sum of           Mean
 Source                   DF        Squares         Square    F Value    Pr > F

 Model                     2     7401.87787     3700.93893    23897.2    <.0001
 Error                  7532     1166.47449        0.15487                     
 Corrected Total        7534     8568.35236                                    


              Root MSE              0.39353    R-Square     0.8639
              Dependent Mean       16.08350    Adj R-Sq     0.8638
              Coeff Var             2.44682                       


                              Parameter Estimates
 
                           Parameter       Standard
      Variable     DF       Estimate          Error    t Value    Pr > |t|

      Intercept     1        7.27564        0.04088     177.96      <.0001
      lnd           1        0.31829        0.00572      55.63      <.0001
      lnv           1        0.66491        0.00615     108.11      <.0001


                            Covariance of Estimates
 
        Variable          Intercept               lnd               lnv

        Intercept      0.0016715027       -0.00008782      -0.000094361
        lnd             -0.00008782      0.0000327361      -0.000025149
        lnv            -0.000094361      -0.000025149      0.0000378231