renamed from LD's employees.dta
these are customer-level transaction variables that capture if particular transaction ever occurred for customer before her mailer deadline; see trcreate_3.do
characteristics merged from sales (and all3) data are only those attached to the first loan per custcode (or the offer in case where Msales_all3==2). so these will be as of the first loan, or as of the mailer date. if wanted updated characteristics as of later loan takeup/app dates (e.g., new ITCs) need to merge these on separately
as always, need to be careful about which loan/obs. is being picked if doing analysis that includes time-varying characteristics