def extract_individual_covariates(educ_years, educ_min, i):
    """Constructs additional covariates given agent indicator."""
    # Determine education level given number of years of education
    # Would it be more efficient to do this somewhere else?

    # Unpack state space components
    educ_years_i = educ_years[i]

    # Extract education information
    if educ_years_i <= 10:
        educ_level = [1, 0, 0]

    elif (educ_years_i > 10) and (educ_years_i <= 12):
        educ_level = [0, 1, 0]

    elif educ_years_i > 12:
        educ_level = [0, 0, 1]

    else:
        raise ValueError("Invalid number of years of education")

    educ_years_idx = educ_years_i - educ_min

    # Return function output
    return educ_years_i, educ_level, educ_years_idx