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Census Research Data Center (CCRDC); special thanks go to Ritch Milby of the CCRDC. Research results and conclusions expressed are those of the author and do not necessarily indicate concurrence by the Bureau of the Census, the CES, or the Federal Reserve System. This paper has been screened to ensure that no con...dential data are revealed.doi:10.2139/ssrn.650905 fatcat:ikwurbvf2vbsxosyuh2eoi2fhe