=1 if pre-BTB period, =0 if post-BTB period

=1 if post-BTB period, =0 if pre-BTB period

'Center' from Which Application was Sent

Number of Stores in NJ and NYC (BusinessUSA)

Average Sales Volume  Per Estab in NJ/NY (BusinessUSA)

Average Num Employees Per Estab in NJ/NY (BusinessUSA)