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08-06-2011 06:49 AM

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National Income and Product Accounts (EO)<br />The national income accounts of the USA which began in 1947; earlier estimates had been produced by the US Department of Commerce with the advice of KUZNETS but they lacked an expenditure breakdown of the national product. The need for better economic information in the Second World War prompted the creation of this new accounting framework. The new accounts had the aims of providing a consistent and interrelated system, improving statistical procedures for estimating all series using the latest data and incorporating changes in basic aggregates to make the definitions used more useful.<br /> The basic table is

<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.
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<strong>OELA</strong> – Office of English Language Acquisition, a division of the U.S. Department of Education devoted to promoting high quality education for English Language Learners (ELLs). The OELA administers Title III of the No Child Left Behind Act of 2001.
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08-06-2011 07:17 AM

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<strong>Refund</strong> – The difference between the amount the student paid toward school charges and the amount the school can retain under a refund policy. The federally mandated calculation is referred to as R2T4. (See also Return of Title IV funds.) Within CommonLine file specifications, refunds are requested by submitting the CTSF @1-11 transaction.
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<strong>Need cutoff</strong> – The need amount that students had to demonstrate to qualify for the Gallagher and College Guarantee Programs through the 2006-07 academic year. The MDHE estimated the need cutoff in the spring of each year before final appropriations and student eligibility was known. The actual need cutoff was then determined prior to setting spending authority in FAMOUS.
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lender of last resort (E5)<br />The chief function of a CENTRAL BANK - to guarantee the LIQUIDITY of a banking system by always being the ultimate source of credit. Thus in the UK, the BANK oF ENGLAND is always prepared to lend to the money market by discounting the bills held by the discount houses; in the USA, the twelve FEDERAL RESERVE BANKS Will discount the bills of member banks.

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08-06-2011 07:43 AM

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Member states play a lesser role in the ILO than in many other international organizations because of the workers and employers representatives. National Ministries of Labour have been accorded an enhanced and international importance through the existence of the ILO. The Nobel Peace Prize was awarded to it in 1969 in recognition of its efforts. By 1988, it had 150 members.

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08-06-2011 08:12 AM

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goldilocks economy (NO, PO)<br />The US economy in the late 1990s when it enjoyed high growth without inflationary pressures. It was noted for its low rate of household saving and rising trade deficit.<br /><em>See also:</em> soft landing

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real exchange rate (F3)<br />A currency's value in terms of its real purchasing power. A basket of goods and services representative of an average consumer's purchasing is valued in the two currencies. This calculation is often made to show the relative cost of living for executives moving between the major cities of the world or to establish the real value of investment projects.<br /><em>See also:</em> purchasing power parity
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diminishing marginal utility law (D1) This states that the amount of satisfaction derived from the consumption of successive units of the same good or service will decline. The law is used to explain the

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08-06-2011 08:43 AM

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<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.
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<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.

<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.
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08-06-2011 09:12 AM

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permanent employment (J2)<br />A Japanese practice of offering lifetime employment to workers, when they join a firm from school or university. This became popular with firms short of labour in the 1950s and anxious about labour turnover. The system has rarely been applied to small firms and less to women than to men. Under this system, all employees, except senior management, retire at 55. Increasing pressures in the Japanese economy in the 1990s threatened the existence of the system.<br /><em>Reference</em><br />Taira, K. (I970) Economic Development and the Labor Market in Japan, New York: Columbia University Press.

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<strong>Satisfactory Academic Progress (SAP)</strong> – To remain eligible for most types of financial aid, the student must maintain satisfactory academic progress as defined by the school.
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08-07-2011 02:24 AM

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endowment insurance (G2)<br />A form of insurance which provides for a fixed sum of money to be paid on a specified date, or at death.
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Modigliani, Franco, 1918- (B3)<br />Italian-born US economist who was educated at the University of Rome and the New School for Social Research. In his early career, he taught at the University of Illinois, Carnegie Institute of Technology and Northwestern University. From 1962 he has been a professor at the Massachusetts Institute of Technology. A major aspect of his work has been to relate coRPORATE FINANCE to MACROECONOMICS, making it possible to see the impact of business finance on real variables. All students of economics are aware of his life-cycle approach to the ffiNSUMPTION FUNCTION. He was awarded the NOBEL PRIZE FOR ECONOMICS in 1985 <br /><em>Reference</em><br />Modigliani, F. (1980-9) The Collected Works of Franco Modigliani, 3 vols, Cambridge, MA, and London: MIT Press.

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<strong>Reinstatement (of borrower Title IV eligibility)</strong> – A process by which a borrower with a defaulted FFEL Program loan may regain eligibility for Title IV aid by adhering to strict repayment requirements.

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monkey (E4)<br />Five hundred units of a currency, e.g. of the dollar or pound sterling.
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market anti-inflation plan (E3)<br />A proposal to keep the general price level stable but individual prices flexible by a system created by legislation which would issue sales rights to firms. These rights would equal current net sales at pre-existing prices, corrected for changes in a firm's capital and labour inputs and the average growth in national productivity. Relative prices could change by a firm buying sales rights unused by other firms. See also: incomes policy; Lerner; prices policy<br /><em>Reference</em><br />Lerner, A.P and Colander, D.C. (1980) MAP: A Market Anti-inflation Plan, New York: Harcourt Brace Jovanovich.

<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.
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08-07-2011 03:38 AM

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bottom-up linkage model (RO)<br />An interregional model of a national economy which aggregates the values of regional variables. The quality of these models in many countries is affected by shortages of regional data.<br /><em>Reference</em><br />Ballard, K.P., Gustely, R.D. and Wendling, R. (1980) NRIES. Structure, Performance and Applications of a Bottomup Interregional Econometric Model, Washington, DC: Bureau of Economic Analysis.
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credit enhancement (G1)<br />A technique for improving the creditworthiness of a security or asset-backed debt. The collateral can be larger than the debt, or losses can be underwritten.

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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.
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08-07-2011 04:03 AM

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block of shares (G1)<br />Any block of more than 10,000 shares, according to the New York Stock Exchange Rule 390. With few exceptions, this rule requires that listed stocks must be traded on the floor of the exchange, even if sold in 'blocks'.<br /> Blue Book (C8, E6, J5)<br />1 The annually published national income and expenditure accounts of the UK.<br /> 2 The document setting out the terms and conditions of a firm agreed through COLLECTIVE BARGAINING Or unilaterally imposed by an employer, e.g. the Ford Agreement.

droit de suite (K2, M3)<br />A directive approved by the European Parliament and European Commission in June 2001 that the authors of works of art should benefit from the resale of their artistic work; not to be fully implemented until 2010. The fees charged will be according to five bands of selling prices with the lowest band giving the artist 4 per cent of the value of the sale and the highest 0.4 per cent.
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<strong>INS</strong> – The U.S. Immigration and Naturalization Service. On March 1, 2003, the INS transitioned into the Department of Home Security (DHS) and was renamed the U.S. Citizenship and Immigration Services (USCIS).

<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.
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08-07-2011 04:30 AM

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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.

Saudi Arabian Monetary Agency (E5)<br /> An Arab banking organization founded in 1952 to perform the functions of a CENTRAL BANK but called an agency because of the association between 'a bank' and payments for interest which is condemned by Islamic law. SAMA is now responsible for the coinage and note issue of Saudi Arabia, the supervision of commercial banks and the fiscal operations of the government.<br /><em>See also:</em> Islamic banking; usury <br /><em>Reference</em><br />Abdeen, A.M. and Shook, D.W (1984) The Saudi Financial System in the Context of Western and Islamic Finance, Chichester: Wiley. Saudi Arabia in 1977 used this approach to change the ownership of foreign-owned commercial banks.<br /><em>See also:</em> multinational corporation; public enterprise
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flex mex (Q2)<br />Methods rich countries employ to attempt to achieve reduction targets for green- house gas em1ss1ons. These methods include investing in reductions in other countries, especially by joint implementation, EMISSION REDUCTIONS BANKING and clean development mechanisms.

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08-07-2011 04:55 AM

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and increasing competJtJon from other banks have forced them to diversify into new markets, including the international syndicated loan market.

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<strong>Cure</strong> – Reinstatement of a loan' s guarantee upon completion of a prescribed series of loan collection activities. Also defined as the process by which the loan' s guarantee is reinstated.

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08-07-2011 05:22 AM

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<strong>ICM</strong> – Integrated Common Manual, a policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.
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<strong>GO</strong> – Guarantee Only, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GO” process flow, the school submits loan application information to the guarantor, which then guarantees the loan and takes no further action. It is assumed that either the school or the lender will obtain a signed MPN from the borrower either via paper or an electronic method.
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<strong>Blue Book, The</strong> – Department of Education manual providing guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for the federal Title IV student financial aid programs. The most recent edition is dated October 2005 and may be retrieved from the IFAP website (http://www.ifap.ed.gov/bbooks/102005BlueBook.html).

rent seeking (DO, Ll)<br />Monopolizing activity. This is much criticized as it produces a social waste rather than a social surplus.
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indexing (G1)<br />An investment strategy based on choosing a portfolio of stocks likely to achieve the total return to the stocks in a stock market index.<br /><em>See also:</em> enhanced indexing
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economics of religion (L3)<br />A study of non-market behaviour within communities of believers. Matters covered include the influence of religious belief on economic behaviour, the use of theology to criticize economic policy, and the application of microeconomic theory to the study of individual and collective religious behaviour.<br /><em>Reference</em><br />Azzi, C. and Ehrenber, F.G. (1975) 'Household allocation of time and church attendance', Journal of Political Economy 83: 27-56.<br /> Iannaccone, L.R. (1998) 'Introduction to the economics of religion', Journal of Economic Literature 36: 1465-96.

limit price (D4)<br />The highest common price set by a group of sellers colluding together that they believe they can charge without new firms seeking to enter that industry in search of high profits.

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mixed good (DO)<br />A good with the characteristics of both PRIVATE and PUBLIC GOODS.<br /><em>See also:</em> club good

alleviation (02)<br />A DEVELOPMENT strategy of softening POVERTY, not eliminating it; for example, by giving every child primary education and every mother health care.

Radcliffe Report (E5, G2)<br />A Royal Commission report, published in 1959, on the working of the UK monetary system. It promulgated the view that money is only one ASSET in the spectrum of LIQUIDITY and that, as its VELOCIIT OF CIRCULATION is unstable, the control of it is incidental to interest rate policy. Although opposed to the control of the money supply, given the sophistication of the post-war UK financial system, from day to day it recommended that interest rates should be used rather than credit controls as instruments of MONETARY POLICY: this was difficult to achieve given the need for stable interest rates to maintain an orderly gilts market. It also suggested changes in monetary statistics.<br /><em>Reference</em><br />Committee on the Working of the Monetary System (1959) Report, London: HMSO, Cmnd 827.

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08-07-2011 07:08 AM

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investment reserve system (E3, E6)<br />A method of encouraging countercyclical private sector investment. In prosperous times, tax incentives encourage firms to accumulate reserves that are in later years spent on capital projects when the economy is heading for recession.<br /> Since 1938 in Sweden there has been a policy of influencing the timing of capital expenditures by fiscal incentives to reduce fluctuations in the national economy. Companies can set aside up to 50 per cent of pre-tax profits in non-interest-bearing Bank of Sweden accounts in return for tax reductions: after five years, 30 per cent of a deposit can be used at the request of the company tax-free and at other times, in recessions, the government can authorize the release of these funds tax-free to stimulate the economy. In addition, since the mid-1960s, these funds can be used to help depressed regions whatever the state of the national economy.<br /><em>See also:</em> countercyclical policy
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Financial Times Stock Exchange I 00 Share Index (G1)<br />A price index of the shares of the 100 largest companies traded on the INTERNATIONAL STOCK EXCHANGE of London. It was introduced in 1984 as a means of basing futures contracts on the UK equity market. Popularly known as 'Footsie'.

<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.

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Office of Management and Budget (H1) An office of the US president set up in 1970 in succession to the Bureau of the Budget (founded 1921) which is responsible for preparing the Executive's budget for presentation to Congress in January each year. After examination by House and Senate committees, a concurrent resolution on the budget is announced by 15 April to be followed by legislation by 15 May. Once the budget is passed, the OMB supervises and controls its administration and provides data on programme performance.

<strong>Deferment</strong> – 1) A period of time during repayment in which the borrower, upon meeting certain conditions, is not required to make loan principal payments. For a subsidized Federal Stafford Loan, the loan is also eligible for a federal interest subsidy during periods of deferment. For an unsubsidized Federal Stafford, PLUS, or Grad PLUS Loan, the borrower is responsible for the interest during periods of deferment. In this case, the interest may either be paid or may be accrued and capitalized onto the principal amount. 2) For the Bright Flight program, a student may be eligible for a deferment of eligibility for up to 27 continuous months for participating in a student exchange program, service to a non-profit organization, service or active duty in the armed forces, and for medical reasons.

<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.

<strong>Blue Book, The</strong> – Department of Education manual providing guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for the federal Title IV student financial aid programs. The most recent edition is dated October 2005 and may be retrieved from the IFAP website (http://www.ifap.ed.gov/bbooks/102005BlueBook.html).

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08-07-2011 07:52 AM

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