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Limitations in performing activities of daily living was defined based on response to the question, Does [person] have difficulty dressing or bathing? Limitations in performing instrumental activities of daily living defined based on response to the question, Because of a physical, mental, or emotional condition, does [person] have difficulty doing errands alone such as visiting a doctors office or shopping? Any disability/limitation was defined as a yes response pertaining to at least one of the disabilities/limitations listed (e.g., vision, hearing, cognition, movement, activities of daily living, or instrumental activities of daily living)

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Miles Standish: Prepare to set sail

"The effects can't be anything other than detrimental." CNBC's Sonia Heng and Evelyn Cheng contributed to this report.

The main advantage of using lags as the instrumental variables is that they are strongly correlated with the current price, therefore avoiding the weak instrument bias problem