The "Freddie-Mac-data.csv" file has the spatial weighting matrix that is 
used in the regression.

The "MSA.csv" file has all the necessary variables. The first row is the 
variable names. Most variables names are easy to understand. Several 
variable names below need clarification.

HPI: housing price index;
Pop: population;
IPI: industrial production index;
morgage: morgage interest rate;
RHPI: real housing price index (deflated by CPI);
lHPI : the natural log of RHPI;
lHPI_1: one month lag of lHPI;
lHPI_2: two-month lag of lHPI;
lead1_lHPI: one month lead of lHPI;
lead2_lHPI: two-month lead of lHPI.

