function [Y] = load_yield_data()
% LOAD_YIELD_DATA - Loads the monthly differences between yeild on mortgages and the yield on government loans ... this is series 9 in the data appendix
%   
% Note: this was checked on 2009-06-16 (no errors found)
% 
% Written by:
% -- 
% John L. Weatherwax                2009-04-21
% 
% email: wax@alum.mit.edu
% 
% Please send comments and especially bug reports to the
% above email address.
% 
%-----

Y = [ 
    0.66 0.70 0.74 0.63 0.70 0.66 0.61 0.52 0.60 0.61 0.70 1.10 ;
    1.17 1.23 0.85 0.78 0.71 0.55 0.56 0.74 0.80 0.75 0.74 0.79 ;
    0.78 1.00 1.05 1.09 1.05 0.75 0.73 0.77 0.77 0.84 0.66 0.68 ;
    0.67 0.56 0.62 0.73 0.70 0.74 0.93 1.00 1.50 1.30 1.18 1.15 ;
    1.34 1.37 1.13 1.04 0.92 1.15 0.99 1.32 1.46 1.24 1.01 1.04 ;
    1.08 0.94 0.81 1.00 0.98 1.02 1.16 0.96 1.23 1.10 1.02 1.08 ;
    1.30 0.97 0.96 0.80 0.62 0.51 0.56 0.84 0.87 0.87 0.76 0.86 ;
    0.81 0.77 0.74 0.80 0.78 0.72 0.66 0.92 0.99 0.98 0.70 0.65 ;
    0.78 0.57 0.41 0.61 0.85 0.85 1.11 1.05 0.96 1.31 1.49 1.35 ;
    1.32 1.24 1.47 1.32 1.23 1.33 1.48 1.49 1.48 1.49 1.55 1.73 ;
    1.70 1.43 1.44 1.37 1.20 1.19 1.39 1.41 1.40 1.39 1.62 1.59 ;
    1.36 1.31 0.99 0.89 0.87 0.94 1.03 1.27 1.20 1.10 0.93 1.00 ;
    1.04 1.10 1.10 1.09 1.05 0.70 0.88 0.81 1.08 1.39 1.16 0.49 ;
].'; % get all the data we can in a "matrix" format ... 

Y = Y(:);

Y = [ Y; 0.74; 0.90; 0.91 ]; % append the remaing data points ...