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<strong>School as Lender (SAL)</strong> – A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)
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performance-related pay (J3)<br />An INCENTIVE PAY SCHEME which attempts to link all or part of an employee's remuneration to the achievement of output and output-related goals instead of to the amount of time supplied by an employee to a firm. It is hoped by firms with performance-related pay (PRP) schemes that turnover, profits, loyalty to the firm and quality of work done will increase and that industrial unrest and ABSENTEEISM will diminish.<br /><em>See also:</em> profit-related pay

<strong>Award</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is awarded, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for the year. (Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.) The financial aid award may also be referred to as the “financial aid package.”
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dividing a task into its component operations. Although writers as early as XENOPHON had mentioned the principle, SMITH, with his famous example of pin making, made it a central explanation of the growth process, He noted that such specialization would save time as there would not have to be frequent changes from one activity to another, that workers would become more dextrous and that the analysis of jobs would make possible the introduction of machinery. However, he was aware that workers would become dull through repetitive tasks - a Smithian point often misinterpreted by Marxists: division of labour in itself can produce ALIENATION amongst workers, whether or not they own the capital they use.

liability management (GO)<br />Using interest rate changes to attract deposits.
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ploying in total about 400,000 workers. A centre with fewer than twenty staff is called a 'pocket centre'.
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Katona effect (E2)<br />The effect of creeping inflation on saving. Katona argued that in such inflationary times there would still be expectations of rising real incomes so individuals would continue to invest in fixed interest securities: the rate of inflation would be sufficiently low for money still to be regarded as 'safe'. In times of runaway inflation, there would be scare buying and hoarding of goods.<br /><em>Reference</em><br />Katona, G. (1960) The Powerful Consumer: Psychological Studies of the American Economy, ch. 12, New York: McGrawHilL

<strong>SMART Grant</strong> – Science and Mathematics Access to Retain Talent, 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. May also be referred to as the National SMART Grant Program.

<strong>HEA</strong> – the Higher Education Act of 1965, as amended, which created the federal student aid programs.

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availability thesis (F1)<br />The proposition that a high proportion of international trade is an exchange between goods which are only available in one or a few COUntries. ELASTICITY OF SUPPLY in one country and inelasticity of supply in another give rise to trade. Some new products are only available in some countries, partly because of the nature of their patent protection.<br /> <br /><em>Reference</em><br />Kravis, I.B. (1956) 'Availability and other influences on the commodity composition of international trade', Journal of Political Economy 64: 143-55.
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industry cluster (LO, R1)<br />A group of interlinked industries based on COMPARATIVE ADVANTAGE.
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<strong>Header</strong> – A term that comes at the beginning of the school' s scheduled academic year (SAY).
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certificate of deposit (G2)<br />A marketable bank deposit receipt which has the advantage of allowing the holder to gain the higher rate of interest associated with fixed or long-term deposits. Certificates of deposit (CDs) were introduced in the USA in 1961 and grew in volume after 1973 when REGULATION Q no longer insisted that there had to be a ceiling to the rate of interest. Dollar CDs have had to be registered securities from 1983 onwards. The Eurodollar CD was introduced in London in 1966 and the sterling CD in 1968. Companies, and even banks, depositing surplus funds short term

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cash-in-advance constraint (E4)<br />A good has the status of money through being involved in most types of exchange, so purchases within a period are constrained by the amount of money available at the beginning of that period. Also known as the finance or effective demand constraint.<br /> <br /><em>Reference</em><br />Kohn, M. (1981) 'In defense of the finance constraint', Economic Inquiry 19: 177-95.

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