The study investigated the 'payoff' to investments in the human capital of nonwhite urban workers, taking account of whether they live in a core city ghetto, in the non-ghetto central city, or in the suburban ring. Three measures of 'payoff' were specified: weekly earnings, average annual unemployment or the conditional probability of being unemployed, and occupational status. The policy variables of interest were years of school completed and participation in any of five formal training programs. Control variables included age, sex, race, and industry group in which the person works. The primary sample studies consisted of over 11,000 micro household interviews from the 12 largest SMSA's in the country, drawn from interviews conducted in March 1966 and March 1967 by the Bureau of the Census. Additional samples studies were drawn from nearly 40,000 household interviews from the eight cities in the 1966 Urban Employment Survey. (Author)