Seventy-three percent of Americans enter a place of worship at least once a year and 5% attend weekly, with large variation in attendance across religious groups. Frequent attenders are less likely to go to strip clubs, liquor stores, and casinos.

Different demographic groups tend to prefer different types of amenities, and businesses respond by expanding amenities in neighborhoods with greater demand. This pattern reinforces residential sorting, with ambiguous effects on inequality.

Insurance is less valuable when people can also smooth their spending using loans. Access to a five-year loan decreases the average value of insurance by $232–$366, or 58–61%.

Detailed measures of early academic achievement and socioeconomic status are powerful predictors of future criminal justice involvement; however, while reforms that improve school quality and neighborhood environments are likely to reduce future racial disparities in criminal justice involvement, such improvements...