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planning, programming, budgeting (H6, M2)<br />A budgetary system evaluating expenditure programmes in their entirety by taking into account the total effects of them, using COST BENEFIT ANALYSIS. This system, introduced into the US Department of Defense in the early 1960s, was extended to other US Departments in 1965.<br /><em>See also:</em> cost-effectiveness analysis <br /><em>Reference</em><br />Harberger, A.C. (1982) Project Evaluation: Collected Papers, London: Macmillan.
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<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.

<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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Accelerated Cost Recovery System (H2)<br /> US federal tax allowance introduced in 1981 and subsequently modified. Most capital goods were assumed to have a life of three, five or ten years; as many were more durable, this system was a means of cutting corporate taxation. An example of SUPPLY-SlOE ECONOMICS.

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audit market (M4)<br />The accounting firms and their clients concerned with the checking of company accounts to ensure that legal requirements are met and that financial transactions are accurately recorded. A free audit market is proposed for the EUROPEAN UNION SO that the same auditors could examine the accounts of all of a firm's European subsidiaries.

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compliance cost (DO)<br />The cost of complying with a government regulation, including taxation. Such costs are incurred by the private sector and by governmental organizations below the level of central/federal government. The costs of compliance include accountants' fees and the OPPORTUNITY COST of the time spent filling in forms.
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normal good (DO)<br />A good whose demand increases as income rises. Such a good will have an INCOME ELASTICITY OF DEMAND more than one.<br /><em>See also:</em> inferior good normal price (04)<br />MARSHALL's notion of an equilibrium price_<br /><em>See also:</em> natural price

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<strong>PIN</strong> – Personal Identification Number.

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high-powered money (E5, G2)<br />Currency, bankers' balances at a CENTRAL BANK and other eligible reserve assets of deposit banks. An increase in the supply of this money permits a multiple expansion of bank deposits because of the operation of the MONEY MULTIPLIER, e.g. a central bank in an open market operation buys bonds from the public thereby increasing the amount of cash available to banks.<br /><em>See also:</em> fractional reserve banking

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<strong>Transfer</strong> – For student loan servicing purposes, a transfer is any action, such as the sale of a loan, that results in a change of the system used to service a loan.
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<strong>GEN</strong> – General Dear Colleague Letter.

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mutual insurance company (G2)<br />An insurance company owned by its members. Increasingly these have changed their status and been quoted on the stock market.

<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.

Luddite (J5, N3)<br />1 A member of a gang of English craft workers led by Ned Ludd in the period 1811-13 who showed opposition to the introduction of textile machines in Nottingham, England, and surrounding places and the consequent loss of employment by smashing the machines at night. 2 A person who takes INDUSTRIAL ACTION in an attempt to prevent the implementation of technical change.
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<strong>SSN</strong> – Social Security Number.
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central occupation (J2)<br />The main occupation which characterizes an industry and is essential to its working, e.g. doctors and nurses in medical services, farmworkers in agriculture.
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monetarist approach to the balance of payments (F4)<br />The view that BALANCE OF PAYMENTS adjustments are made through capital movements and interest rate changes in capital markets. This is the alternative to the KEYNESIAN approach of adjusting expenditure to achieve a balance of payments equilibrium.

<strong>Electronic Standards Committee (ESC)</strong> – A committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.

<strong>CFR</strong> – Code of Federal Regulations. The regulations from the U.S. Department of Education relating to the federal student aid programs are codified in Volume 34. Part 668 governs the student assistance general provisions. Part 682 regulates the FFEL Program.

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