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<strong>National SMART Grant Program</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. SMART is an acronym for Science and Mathematics Access to Retain Talent.
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<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.

critical economy (E3, PO)<br />An atypical ECONOMY subject to disruptions and shocks.
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option (G2)<br />The right to buy or sell a currency, commodity or financial asset at a specified price in a stated time period.<br /><em>See also:</em> call option; put option

<strong>NCAA</strong> – National Collegiate Athletic Association.

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22129816 2010 年 03 月 02 日 11:41 Reading (loading. ..) Comments (1) Category: Personal Diary
Today is the Lunar New Year January 17, my dad's 59th birthday; ashamed to say, either sister early in the morning to remind me, I really do not think today's the day; she said Tuesday she was called early in the morning to the father: the father over there very excited and agitated, and said mother gave him early in the morning to cook the longevity noodles. Dad can imagine the happiness looks like. Ever since, I can not wait immediately text the father: Has received only know that Dad knows SMS mobile phone, but I did not think dad long ago have learned to send text messages. Mind that emotion ... ... ... ...
Dad,la gear originals, call your Dad, I'm really happy. Because we gave your father since childhood has always been surrounded by very busy even if you normally,la lights, but you always greeting us a few words. If only very common, Our subconscious, who met to resolve the event we consider bad, the first thought is you, because any event, you will help us to solve,la gear footwear, help us Qudang. In our hearts, you are our days,la gear shoes, so please for our holy father the sky, must necessarily take care of your body. I never said anything intimate with dad,la gear sale, Today, the words to tell you, my daughter will remember my lifetime.
Dad, I would say: First of all Happy birthday to you, then take care of themselves, less smoking, drinking less alcohol, your health is our family's happiness!

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stabex system (F3)<br />A scheme that assists African, Caribbean and Pacific countries to make up the shortfalls in their agricultural export earnings.

<strong>DE</strong> – U.S. Department of Education, which may also be referred to as ED, USDE, or simply the Department.

bounded rationality (DO)<br />A theory of decision making taking into account the capacities of the human mind, which has become a central theme of BEHAVIOURAL ECONOMICS. It asserts that the rational choice of a decision-maker is subject to cognitive limits because human beings lack knowledge and have only a limited ability to forecast the future_<br /><em>See also:</em> cognitive dissonance; economics and psychology; Simon<br /><em>Reference</em><br />Cyert, R_M. and March, JG. (1975) A Behavioral Theory of the Firm, 2nd edn, Englewood Cliffs, NJ: Prentice HalL Simon, H_A. (1982) Models of Bounded Rationality, 2 vols, Cambridge, MA: MIT Press.
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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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constrained market pricing (D4, L5) Prices in little need of regulation because they are constrained by competition. This concept is used by US regulatory agencies, such as the INTERSTATE COMMERCE COMMISSION, in its pricing policies. Prices not constrained by competition have to be between a floor price equal to marginal cost and a ceiling price equal to the STANDALONE COST.

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government broker (G1)<br />The stockbroker dealing in financial markets on behalf of a government. In London, the senior partner of Mullens & Co. participated in gilts for the Bank of England.

search unemployment (J6)<br />FRICTIONAL UNEMPLOYMENT; being without a job during a period of looking for another one. Many workers will endure lower incomes during periods of unemployment in the hope of increasing lifetime earnings. See also: unemployment spell <br /><em>Reference</em><br />Fitzgerald, T.J. (1998) 'An introduction to the search theory of unemployment', Federal Reserve Bank of Cleveland Economic Review, 34: 2-15.

regional policy (R5)<br />Measures to reduce the imbalance in prosperity between the regions of a particular country, particularly between the region around the capital city and peripheral provinces.<br /> 2 Government aid to especially deprived cities, inner cities and other relatively small parts of a country. & Many countries have used incentives to encourage the location of expanding industries in the depressed regions and to reduce the POPULATION DENSITY of major cities. In the UK a succession of measures since 1929 to subsidize the GEOGRAPHICAL MOBILITY OF LABOUR, the building of factories, the training of workers and the payment of RATES have been used. Regional policies are measured by the number of jobs created in depressed regions and by the extent of convergence in interregional incomes, unemployment rates and rates of output growth. Regional policy is most active in times of fast national economic growth as it is then easier to finance assistance to regions.<br /><em>See also:</em> enterprise zone; growth pole <br /><em>Reference</em><br />Diamond, D.R. and Spence, N.A. (1983) Regional Policy Evaluation: A Methodological Review and the Scottish Example, Aldershot: Gower Press.<br /> Folmer, H. (1986) Regional Economic Policy. The Measurement of its Effect, Dordrecht and Lancaster: Nijhoff. Vanhove, N. (1999) Regional policy: A European approach, 3rd edn, Aldershot, Brookfield, VT and Sydney: Ashgate.
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<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.
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gold market (G1)<br />The market with official and private dealings in gold coin and bullion. In March 1968, US monetary authorities persuaded European authorities to separate private and monetary gold markets, creating a two-tier market. The USA wanted South Africa to sell all its gold to the private market so that the price would come down to $30 or $32 to shake central banks' confidence in gold. However, world inflation made gold a popular private holding and so its price approached $70 by mid1972; by September 2001 the price had exceeded over $290. The London Gold Market was run by five firms since 1919, namely N.M. Rothschild, Samuel Montagu, Mocatta and Goldsmid, Sharps, Pixley and Westpac (formerly Johnson Matthey Bankers). Internationalization of financial markets brought about proposals to admit foreign traders. There is now the London Bullion Market Association with seven clearers.

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<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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delinking (F1)<br />The breaking off of trading and other relationships between Third World countries and Western countries. It is argued that the benefits of such a course of action include an increased freedom to shape the development of that country, as well as less chance of economic exploitation by foreign investors.<br /><em>See also:</em> dependency theory

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<strong>DAA</strong> – Default Aversion Assistance, assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting. A lender must submit a DAA request (DAAR) to the MDHE when a borrower is more than 60 days delinquent on a student loan.
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First World (P1)<br />Developed free market ECONOMIES which were early to industrialize and, until the emergence of large oil revenues in developing countries, had the highest per capita mcomes.<br /><em>See also:</em> Second World; Third World

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<strong>State aid</strong> – Financial aid programs funded by the state of Missouri. The MDHE administers several state aid programs.

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<strong>Freely associated states</strong> – States under U.S. jurisdiction whose residents are eligible for federal student aid. Includes the Republic of the Marshall Islands, the Federal States of Micronesia, and the Republic of Palau.
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advance corporation tax (H2)<br />An interim settlement of UK corporation tax. If a company makes a qualifying distribution of earnings, e.g. by distributing a dividend, during its accounting period, it pays a proportion of the amount of the dividend as an advanced payment of tax which will later be deducted from its tax liability for that period. The proportion levied varies from year to year but has often been about 30 per cent.
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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.

<strong>Certification</strong> – The act of attesting that something is true or meets a certain standard. 1) Within the FFEL Program, the school certifies each borrower' s student loan, attesting to the fact that required eligibility criteria have been met, such as need. 2) Within the state student assistance programs administered by the MDHE, the school certifies each student' s eligibility and at the same time requests funds.

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fractional reserve banking (G2)<br />A banking system using HIGH-POWERED MONEY as only a fraction of its total assets rather than ONE HUNDRED PER CENT RESERVE BANKING. According to the country and phase of banking evolution, cash, and assets which can be quickly converted into cash without capital loss, can be as little as a third or a quarter of the total volume of commercial banks' deposits. This system has made possible a major increase in credit in many countries in the past hundred years.

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<strong>SSA</strong> – Social Security Administration.
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<strong>NCAA</strong> – National Collegiate Athletic Association.
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<strong>CL unique ID</strong> – Abbreviation for “CommonLine unique identifier,” a sequence of numbers and letters (17 characters) typically assigned by the guarantor at the time of guarantee. Components of the unique identifier include the 6-digit school OPE ID (positions 1-6), a 4-digit school branch code (positions 7-10), a 1-digit system ID (position 11), and an incremental code (positions 12-17).

<strong>Rolling delinquency</strong> – A delinquency that occurs whenever the delinquent status of a loan is increased or reduced but not completely eliminated as the result of a payment, deferment, forbearance, adjustment to the LDA or OSD, or reversal of a payment.

<strong>Anticipated disbursement date</strong> – The date loan funds are expected to be issued to the school or escrow agent. A school establishes the anticipated disbursement date(s) for a loan at the time of certification.

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<strong>VR</strong> – Vocational Rehabilitation. The Missouri Department of Elementary and Secondary Education (DESE) administers VR programs.
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Multilateral Investment Guarantee Agency (F3)<br />An offshoot of the woRLD BANK created in 1988 to promote foreign investment by guaranteeing against many risks, including expropriation and currency transfer. It also offers advice to developing countries wanting to make their economies more attractive to the potential foreign investor.

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<strong>MYF</strong> - Mapping Your Future, an organization sponsored by FFEL Program participants, such as the MDHE, to offer online student loan counseling, financial literacy and debt management tools, outreach and early awareness activities, and other services. May be found on the world wide web at www.mapping-your-future.org.
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accounting identity (EO, M4)<br />A balance with each side of an equation equal to the other because of the accounting definitions used. In economics this identity is usually contrasted with equilibrium conditions. Thus, in basic macroeconomics, the accounting equations Y = C + I and Y = C + S entail that I = S, but planned saving and investment may diverge (Y is national income, C is aggregate consumption, I is net investment and S is aggregate saving).
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<strong>Missouri Department of Higher Education (MDHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including FFELP loans and state aid programs such as the Bright Flight Scholarship. Sometimes referred to as the DHE. The agency' s website may be found at www.dhe.mo.gov.

cost-effectiveness analysis (H5)<br />An analysis of the costs of alternative programmes designed to meet a single objective. The programme which costs least will be the most cost effective. This form of analysis was first developed when Robert McNamara was US Secretary of Defense in the 1960s.<br /><em>See also:</em> planning programming; budgeting
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collecting bank (G2)<br />Any bank, other than the payer bank, handling a bank item, e.g. a cheque, for collection.
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generalized least squares (C1)<br />An improved method of estimating relationships between economic variables. Each observation is weighted by the reciprocal of the STANDARD DEVIATION of the disturbance concerned before applying the LEAST SQUARES METHOD.
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marginal revenue product (DO)<br />A MARGINAL physical PRODUCT (MPP) multiplied by the MARGINAL REVENUE obtained from that unit. Under PERFECT COMPETITION, as price is equal to MARGrNAL REVENUE, the marginal revenue product (MRP) is equal to the product of the marginal physical product and the price. The MRP shows the addition to the TOTAL REVENUE of a firm of producing another unit.
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price incentive (DO)<br />An inducement arising from goods and services having different prices. These incentives were regarded as crucial to generating ECONOMIC GROWTH by SMITH and his successors as they determine choices between work and leisure, between goods and labour, between present and future consumption (via the interest rate) and among goods.
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<strong>Change Transaction Send File (CTSF)</strong> – The CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).

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barometric firm leadership (L1)<br />The leadership of an oligopolistic firm which first makes price changes to act as a 'ba rometer' to test the market. Often a small firm is chosen for this role, as used to happen when UK clearing banks changed their bank charges.
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