TITLE INSURANCE: A COMPREHENSIVE OVERVIEW
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We use data from a variety of sources. Our primary file on firm characteristics is the Robert Wood
Johnson Foundation 1997 Employer Health Insurance Survey (EHIS). The survey collects a rich set of
information about the firms: regardless of whether insurance is offered, establishment size, 10 broad
industry groups, and most important from our perspective, the proportion of female workers and the
percent of workers in each of four broad age categories. Starting from the full survey on 41 432
employers, we exclude results from government establishments, firms with no permanent full time
employees, firms with missing values (mostly for income or industry type), and firms...
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