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Old 08-05-2011, 05:33 PM   #1
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patent (03)<br />An official document conferring exclusive privileges on an invention for a period of years. Patents create a formidable technological barrier to entry, establishing and maintaining MONOPOLY POWER. Si nce patents allow monopoly profits to accrue to their inventors, they are a major private incentive to research and development. Nonpatent-holders can onl y use patented technical knowledge by licence. Although the patent system may encourage inventors, it has been criticized on the grounds that all scientific knowledge should be a free good and that the considerable legal costs of registering and protecting a patent exclude the poor inventor from using the system.<br /><em>See also:</em> invention; product cycle

<strong>Emergency action</strong> – A special action taken by the guarantor or by the U.S. Department of Education to temporarily suspend a school, lender, or servicer from participation in the federal student aid programs. An emergency action may be followed by the initiation of formal Limitation, Suspension, and Termination procedures.
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<strong>NATTS</strong> – National Association of Trade and Technical Schools.

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Old 08-05-2011, 08:23 PM   #2
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difficulties for the financing of public expenditure. Many other economies have experienced this phenomenon, e.g. Jamaica with its bauxite industry, Venezuela with its petroleum industry.<br /><em>Reference</em><br />Corden, W.M. and Neary, L.P. (1982) 'Booming sector and de-industrialization in a small open economy', Economic Journal92: 825-48.<br /> Wijnbergen, S. van (1984) 'The Dutch disease: a disease after all?', Economic Journal94: 41-55.
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<strong>PRCN</strong> – Program Review Control Number.

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<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.

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Old 08-06-2011, 12:46 AM   #3
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barter economy (PO)<br />One of the earliest forms of an economy in which goods are directly changed for other goods without using money as a medium of exchange. Prices are expressed in relative terms, e.g. X amount of A = Y amount of B. Transactions can be expensive as high search costs can be incurred in the pursuit of trading partners. However, to avoid taxation and create employment, in some areas of, for example, Canada and the UK, the exchange of services has replaced the usual market.
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Old 08-06-2011, 05:44 AM   #4
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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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risk (DO)<br />The chance of an event occurring in accordance with a known probability. Actuarial calculations based on past experience make it possible to insure against the occurrence of such event. A person who is risk averse would require very favourable odds to make a bet; a RISK LOVER would take a gamble even when the odds are unfavourable; a risk-neutral person will be concerned not about the likelihood of particular bets being successful but on average with making a profit.<br /><em>Reference</em><br />Bernstein, P. (1996) Against the gods: the remarkable story of risk, New York, Chichester and Toronto: Wiley.<br /> Dembo, R.S. and Freeman, A. (1998)<br />Seeing tomorrow: rewriting the rules of risk, New York, Chichester and Toronto: Wiley.
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<strong>Budget</strong> – Synonymous with Cost of Attendance (COA). In financial aid terms, a budget is an estimate of a student' s total education-related expenses for an enrollment period. The budget generally includes tuition, fees, room, board, books, supplies, and personal expenses. For the Charles Gallagher program, the standard budget for each institution consists of the institution' s prior year tuition and fees, room and board, and book costs reported through IPEDS, as well as standard budget figures determined by the MDHE using the Consumer Price Index (CPI). For the College Guarantee program, the budget is the lesser of the institution' s Gallagher budget or the average cost of attendance at the University of Missouri-Columbia.

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Old 08-07-2011, 07:24 PM   #5
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<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.

merchant capitalism (NO, PI )<br />An economic system consisting of wholesalers who advance funds to manufacturing workers to produce goods for the merchants' ma rket. This stage of economic development was succeeded by INDUSTRIAL CAPITALISM.

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Old 08-02-2011, 12:14 AM   #6
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<strong>PLUS Loan for Graduate and Professional Students</strong> – Effective July 1, 2006, PLUS loans may be offered to graduate and professional students. According to CommonLine file specifications, the loan type to be used for Grad PLUS Loans is GB.
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<strong>Forgiveness</strong> – The release of a borrower or any comaker from all or a portion of his or her loan obligation due to qualifying child care service or qualifying teaching service.

<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.
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Old 08-02-2011, 01:55 AM   #7
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postal services or telephones, which is sometimes owned by the state but even if privately owned (as is often the case in the USA) is usually subject to public REGULATION. It is argued that because these industries are NATURAL MONOPOLIES (at least in a local area), a special policy towards them is essential if the public is not to be exploited. Regulatory bodies pay great attention to the prices charged, safety standards and the quality of service of these utilities_<br /><em>See also:</em> regulatory capture
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cash dispenser (G2)<br />A machine provided by a bank or other deposit-taking institution, often at its premises, to dispense cash through the insertion of a card to account-holders of that bank or a bank in association with it. Usage of dispensers varies from country to country. In the UK and France they are particularly popular: by 1985, there were 6,886 in the UK and 7,172 in France but only 2,000 in West Germany.<br /><em>See also:</em> automated teller machine; debit card; smart card

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Old 08-02-2011, 02:24 PM   #8
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penny share (G1)<br />A share in a UK company worth less than 50p. The potential for capital growth is considerable for many of these securities.<br /><em>See also:</em> heavy share
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<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.
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Old 08-02-2011, 08:27 PM   #9
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protective labour legislation (J5)<br />Laws attempting to ensure that a worker does not suffer financially, physically or mentally from injury or unemployment.<br /><em>See also:</em> Social Charter
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<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.

Jurgensen Report (E5, F3)<br />A report to the World Economic Summit in Williamsburg, Virginia, in 1983 on central bank intervention in currency markets.

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Old 08-02-2011, 09:38 PM   #10
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