Kerwin Kofi Charles1, Sheldon Danziger2, Geng Li3, Robert Schoeni4. 1. Harris School of Public Policy, University of Chicago. 1155 E. 60th St., Chicago, IL 60637 ( kcharles@uchicago.edu ). 2. Russell Sage Foundation. 112 E. 64th St., New York, NY 10065 ( sheldond@rsage.org ). 3. Federal Reserve Board. 20th and C St. NW, Washington, DC 20551 ( geng.li@frb.gov ). 4. University of Michigan. 426 Thompson St., Ann Arbor, MI 48109.