Lake City, is a cord-card merger, so that the vowels /ɑ/ an /ɔ/ are pronounced the same before an /ɹ/, such as in the words cord and card. In 2000, 87.5% of all state residents five years of age or older spoke only English at home, a decrease from 92.2% in 1990. Age and gender Utah has the highest total birth rate and accordingly, the youngest population of any U.S. state. In 2010, the state's population was 50.2% male and 49.8% female. The life expectancy is 79.3 years. Economy According to the Bureau of Economic Analysis, the gross state product of Utah in 2012 was , or 0.87% of the total United States GDP of for the same year. The per capita personal income was $45,700 in 2012. Major industries of Utah include: mining, cattle ranching, salt production, and government services. According to the 2007 State New Economy Index, Utah is ranked the top state in the nation for Economic Dynamism, determined by "the degree to which state economies are knowledge-based, globalized, entrepreneurial, information technology-driven and innovation-based". In 2014, Utah was ranked number one in Forbes' list of "Best States For Business". A November 2010 article in Newsweek magazine highlighted Utah and particularly the Salt Lake City area's economic outlook, calling it "the new economic Zion", and examined how the area has been able to bring in high-paying jobs and attract high-tech corporations to the area during a recession. , the state's unemployment rate was 3.5%. In terms of "small business friendliness", in 2014 Utah emerged as number one, based on a study drawing upon data from more than 12,000 small business owners. In eastern Utah petroleum production is a major industry. Near Salt Lake City, petroleum refining is done by a number of oil companies. In central Utah, coal production accounts for much of the mining activity. According to Internal Revenue Service tax returns, Utahns rank first among all U.S. states in the proportion of income given to charity by the wealthy. This is due to the standard ten percent of all earnings that Mormons give to the LDS Church. According to the Corporation for National and Community Service, Utah had an average of 884,000 volunteers between 2008 and 2010, each of whom contributed 89.2 hours per volunteer. This figure equates to $3.8 billion of service contributed, ranking Utah number one for volunteerism in the nation. Taxation Utah collects