(1) (2) VARIABLES Naive Regression Full Regression urban 0.0337*** 0.0625*** (0.000378) (0.000342) female -0.0917*** (0.000331) age 0.000180*** (1.23e-05) Less_HS -0.0508*** (0.00167) HS 0.139*** (0.00162) Some_college 0.199*** (0.00163) BA 0.288*** (0.00164) Grad 0.319*** (0.00166) race_black -0.103*** (0.000560) race_native_american -0.0895*** (0.00167) race_chinese -0.0736*** (0.00142) race_japanese -0.0557*** (0.00300) race_other_asian_pac_isl -0.0622*** (0.000832) occ 2.60e-05*** (6.64e-08) ind 3.21e-05*** (5.42e-08) Constant 0.659*** 0.282*** (0.000306) (0.00173) Observations 6,711,115 6,711,115 R-squared 0.001 0.198 Robust standard errors in parentheses *** p<0.01, ** p<0.05, * p<0.1