With telephone 0.24 0 0.018 *** 0.021 *** 0.1 69 0.045 *** 0.046 *** With cellphone 0.20 4 0.006 *** 0.006 *** 0.1 29 0.012 *** 0.013 *** Availed govt prog 0.05 9 0.006 *** 0.006 *** 0.1 40 0.010 *** 0.010 *** Illness shock 0.06 7 0.005 *** 0.005 *** 0.1 31 0.010 *** 0.010 *** Urban 0.01 1 0.008 0.009 0.1 48 0.017 *** 0.017 *** CPI - food 3.98 2 0.095 *** 0.098 *** 0.1 27 0.058 ** 0.057 ** Education of head Below elementary base Elem level 0.15 3 0.012 *** 0.012 *** 0.1 58 0.018 *** 0.018 *** Elem grad 0.21 7 0.013 *** 0.013 *** 0.2 01 0.021 *** 0.020 *** HS level 0.18 4 0.014 *** 0.013 *** 0.2 25 0.022 *** 0.021 *** HS Grad 0.20 9 0.014 *** 0.013 *** 0.2 88 0.022 *** 0.022 *** Coll level 0.27 6 0.015 *** 0.015 *** 0.2 82 0.027 *** 0.026 *** CBMS-FAO | 70