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three, is a crystal. Crystal immediately lives, most young men and women like to wear ornaments. Because it looks fine, chaste, and shiny, merely too form sense. And many people know thatcrystal has digestion of radiation, and this point is very technological. But no all people are appropriate to wear crystal. Character in the body ordinarily also chilly or also vacant or anemia, blood gas, easily frightened friends, best not to wear a crystal, yet probable to have side effects. Crystal does not require the beginning, of course, you must open the can.
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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.
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Provisional Collection of Taxes Act (H2)<br />UK statute permitting changes in INDIRECT TAXES to be made before that year's Finance Act has been passed. This Act reduces IMPLEMENTATION LAGS in UK fiscal policy.
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<strong>PJ</strong> Professional Judgment, the flexibility given to a financial aid administrator to make adjustments to student eligibility for federal Title IV aid and for Missouri student aid on a case- by-case basis.
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economic life (M4)<br />The period during which an asset is expected to yield a return. For the purposes of calculating DEPRECIATION, assets are assumed to have a standard life. Houses are given a notional life of 80 years, coal mines 100 years and machines 8, 16 or 25 years.
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<strong>Missouri College Guarantee PLUS Program</strong> A scholarship program based on financial need, academic achievement, and participation in the federal TRIO Programs. This scholarship program was administered by the MDHE through the 2006-07 academic year and was replaced by Access Missouri August 28, 2007.
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<strong>CommonLine loan sequence number</strong> A 2-digit number typically assigned by the guarantor at the time of guarantee. This number is attached to the end of the CommonLine unique identifier.
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Grey Monday (G1)<br />The date 16 October 1989 when the Financial Times Stock Exchange 100 share index dropped by 70.5 points on the London market. This was less drastic than BLACK MONDAY'S fall of 500.
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<strong>EFA</strong> Estimated Financial Assistance (or Aid), a school' s estimation of the amount of financial aid for which the student is eligible during any given enrollment period. EFA may include loan, grant, or scholarship aid from federal, state, institutional, or other sources.
<strong>ACD</strong> Anticipated Completion Date, the date a student expects to complete the program of study. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Graduation Date (AGD).
<strong>DAAR</strong> Default Aversion Assistance Request, the request sent by the lender to the MDHE to request DAA when a borrower is more than 60 days delinquent.
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<strong>Part D</strong> The section of Title IV of the Higher Education Act of 1965, as amended, that authorizes the William D. Ford Federal Direct Student Loan Program.
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absolute advantage (Fl)<br />An early theory of trade which states that one country enters into trade with another because it has a greater productivity than that country in a particular industry or industries, e.g. its cotton industry is more productive than the foreign cotton industry. sMITH advanced this as the reason for trade because a nation, like a household, should specialize.<br /><em>See also:</em> comparative advantage
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concrete labour (D2, JO)<br />The labour required to produce a particular product, e.g. a piece of furniture. Labour in this qualitative sense creates use values.<br /><em>See also:</em> abstract labour
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<strong>GB</strong> Graduate borrower, a loan type within CommonLine file specifications used on/after July 1, 2006 to designate a PLUS Loan made to a graduate or professional student as a Grad PLUS Loan. Grad PLUS Loans display within the MDHE' s online product, MODEL Direct, as GB.
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Banque de France (E5)<br />The central bank of France founded in 1800 by Napoleon I and nationalized in 1946. It was granted independence to formulate monetary policy in 1994.
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profit squeeze (D3, EO)<br />A steady reduction in profits caused by the costs of labour or other factor inputs rising at a faster rate than product prices. This can occur at the level of the firm, the industry or the national ECONOMY. Squeezes often occur when prices are more severely controlled than wages, as in the UK in 1974-9.<br /><em>See also:</em> prices policy
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bulge-bracket firm (G2)<br />A top investment bank of the USA, one of the leading oligopolists of the US securities industry. The separation of commercial from investment banking under the GLASS STEAGALL ACT protects their privileged position.
<strong>OERI</strong> Office of Educational Research and Improvement, a division of the U.S. Department of Education. The Education Sciences Reform Act of 2002 renamed this office the Institute of Education Sciences (IES).
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commercial policy (F1)<br />The international trading policy of a national government with respect to import duties/quotas and export subsidies. These policies have been a central issue in economics since the MERCANTILISTS first debated the merits of TARIFFS.<br /><em>See also:</em> General Agreement on Tariffs and Trade
<strong>Treasury bill (T-bill)</strong> A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.
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<strong>USCIS</strong> U.S. Citizenship and Immigration Services, a division of the Department of Homeland Security (DHS). On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS) and renamed it the USCIS.
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Although this was a new approach to regional policy in Western Europe in the 1960s, it can be traced back to PETTY who wanted the English economy to reach the levels of Dutch productivity by the relocation of population into a confined area of England.
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<strong>MAPCS</strong> Missouri Association of Private Career Schools.
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personal income distribution (D3) . . The distribution of income between mdlviduals; the SIZE DISTRIBUTION OF INCOME. Statistics on this indicate what propor tion of total household income is received by individuals in each income band, e.g. the top 5 per cent. Most studies show the
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Arab Maghreb Union (FO)<br />An economic union of Morocco, Algeria, Tunisia, Mauritania and Libya set up in 1989. Progress towards free mobility of labour and capital and the creation of a common or single currency has been slow.
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pounded until the CLASSICAL ECONOMISTS made it a central feature of their theory. Both SMITH and RICARDO attempted to relate long-term equilibrium value to the labour input of production but MARX is best known as an adherent of this view. Labour theories have a variety of forms. Smith's three versions were labour quantity (the value of a good is proportional to the amount of labour needed to make it), labour command (the value of a good is proportional to the amount of labour of others obtained in exchange) and labour disutility theory (value is proportional to the toil and trouble incurred in production). Neoclassical economists firmly dismissed such theories in favour of a MARGINAL UTILITY approach. JEVONS Stated that once labour is expended in production it no longer enters into value but is lost and gone for ever.<br /> <br /><em>Reference</em><br />Meek,R. (1973)Studies in the Labour Theory of Value, London: Allen & Unwin.
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activity rate (J2)<br />Official UK term for the LABOUR FORCE PARTICIPATION RATE. If the female population is 100 million and the female labour force is 55 million, the female activity rate will be 55 per cent.
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landownership (QO)<br />The distribution of the land of a country, a product of its land tenure system, much of which is based on custom enshrined in a country's property laws. Countries that have undergone a socialist revolution often have transferred much land to the state or to small peasant proprietors. The pattern of landownership is a crucial determinant of agricultural efficiency: too much divi-
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<strong>Principal balance</strong> The outstanding amount of a loan, on which the lender charges interest.
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neo-Marxists (B2)<br />A group of economists, especially Mandel and Sweezy, who have tried to reinterpret MARX in the light of more recent economic thought, including KEYNEs's.<br /><em>Reference</em><br />Mandel, E. (1968) Marxist economic theory, London: Merlin Press.<br /> Sweezy, PM. (1968) Theory of capitalist development: Principles of Marxian political economy, New York and London: Modem Reader Paperbacks.
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<strong>ACT</strong> American College Testing, a college assessment test administered by ACT, Inc.
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Financial Times Actuaries All-Share Index (G1)<br />A London stock market price index designed by actuaries and compiled by the Financial Times, which began in 1962. The purpose of this index is to indicate the level of the whole UK equity market by including over 700 shares, more than 80 per cent of market capitalization.
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<strong>Aggregate loan limit</strong> The borrower' s maximum allowable unpaid principal amount throughout the student' s academic career. Capitalized interest or any collection costs that may have been added to the principal balance are not included in the borrower' s aggregate loan limit.
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chaos theory (DO, G1)<br />An analysis of random movements applied to the price data of stock and currency markets, as well as to meteorology. Chaotic behaviour appears random in that changes in prices or other economic variables show no regular periodicity and are not part of a structure detectable by statistical tests. However, more sophisticated tests offer a chance of identifying underlying non-linear mathematical structures.<br /><em>See also:</em> butterfly effect <br /><em>Reference</em><br />Baumol, WJ. and Benhabib, J. (1989)<br />'Chaos: significance, mechanism and economic applications', Journal of Economic Perspectives 3: 77-105.<br /> Gleick, J. (1988) Chaos Making a New Science, London: Heinemann.<br /> Grauwe, P. de and Vansauten, K. (1990)<br />'Deterministic chaos in the foreign exchange market', Paper 370, London: Centre for Economic Policy Research.<br /> Savit, R. (1988) 'When random is not random: an introduction to chaos in market prices', Journal of Futures Markets 8: 271
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Cassel, Karl Gustav, 1866-1945 (B3) After studying mathematics at Uppsala University, Sweden, he became a professor of economics at Stockholm University in 1902. He was a founder of modern Swedish economics, especially noted for Theory of Social Economy (originally published in 1918) and monetary writings. He rejected both labour and MARGINAL UTILITY theories of value in favour of a price theory which he also applied to his study of the RATE OF INTEREST. He relied on the QUANTITY THEORY oF MONEY in his monetary economics and was anti-Keynesian. His pupils included OHLIN and MYRDAL.<br /><em>Reference</em><br />Mitchell, W.C. (1969) Types of Economic Theory, Vol. 2, ch. 16, New York: Augustus M. Kelley.
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<strong>Enrollment status</strong> The status indicating whether a student is enrolled full time (FT), half time (HT), or less than half time (LTH). Other enrollment statuses may include an approved leave of absence (LOA), never enrolled (X), graduated (G), withdrawn (W), or deceased.
grandfathering (QO)<br />Distributing tradable permits to pollute according to countries' existing levels of emissions of pollutants.
<strong>Clock hour</strong> A time period consisting of one of the following: 50-60 minutes of class, lecture, or recitation; 50-60 minutes of faculty supervised laboratory, shop training, or internship; or 60 minutes of preparation for a correspondence course.
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seignorage (E4)<br />1 The levy charged by states for converting precious metals into coins (the UK abolished that charge in 1666).<br /> 2 The net earnings received by a country with a RESERVE CURRENCY from the assets it acquires through other countries holding its currency.<br /> 3 The revenue, net of the cost of production, gained from issuing banknotes or another form of currency. Seignorage is a major source of government revenue in high-inflation economies as a government can finance its deficits by creating more money.<br /><em>See also:</em> free banking
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<strong>Due diligence</strong> The collection procedures required to attempt to satisfactorily resolve a delinquency and prevent a default in accordance with federal regulations.
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inheritance tax (H2)<br />A tax on WEALTH transferred after the decease of an individual person. This tax aims to raise revenue and bring about an intergenerational shift in wealth distribution. Inheritance taxes have long had their advocates, e.g. John Stuart MILL, as a major method of reducing INEQUALITY in society.
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rentier (D3)<br />A person whose income is entirely derived from the ownership of FINANCIAL CAPITAL or other property. KEYNES in his GENERAL THEORY forecast the disappearance of this class of persons through an abundance of capital reducing its return to zero.
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incomes policy (E6)<br />A macroeconomic policy directly controlling factor incomes. Many Western countries since 1945 have used it as an alternative to FISCAL and MONETARY POLICIES with the hope that, by controlling wage fixing in the labour market, the rate of increase of product prices would be reduced. The most extreme form is a wages freeze, e.g. the UK's in 1966. Milder forms include setting a norm for wage increases in line with the rise in PRODUCTIVITY, allowing for exceptional increases (e.g. to help low-paid workers, to alleviate a labour shortage or to preserve comparable pay for different occupational groups), or an
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<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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disequilibrium (DO, E3)<br />1 An economic system in a state of EXCEss DEMAND or EXCESS SUPPLY.<br /> 2 The state of an economic system whose key variables continue to fluctuate around an EQUILIBRIUM or an equilibrium growth path. Expectations of economic agents or lags in the system can cause this.
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<strong>Three times rule</strong> The federal requirement that no single installment of a graduated or income-sensitive repayment schedule may be more than three times greater than any other installment.
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<strong>Coordinating Board for Higher Education (CBHE)</strong> The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
<strong>Higher Education Reconciliation Act (HERA) of 2005</strong> The portion of the Deficit Reduction Act of 2005 specifically addressing student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures.
big push (04)<br />A theory of simultaneous economic development in several sectors. RosensteinRodan asserted that for economic development to succeed there should be, as a minimum, several large investment projects in different industries in order to secure INCREASING RETURNS TO SCALE from !NDIVISIBILITIES in production. It was hoped that the scale of such development would reduce divergences between private and social products. However, the lack of resources of many Third World countries made it unlikely that so ambitious a scheme would be implemented.<br /><em>Reference</em><br />Rosenstein-Rodan, P. (1943) 'Problems of industrialization in Eastern and southeastern Europe', Economic Journal 53: 202-11.
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<strong>Award Letter</strong> Schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded, or packaged, each year. Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.
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<strong>MLN</strong> Missouri Learners' Network, an organization that shares information, promotes educational opportunities provided by Missouri schools, and refers students to participating institutions for educational programs, courses, and learner services.
<strong>Recognized equivalent of a high school diploma</strong> A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.
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pounded until the CLASSICAL ECONOMISTS made it a central feature of their theory. Both SMITH and RICARDO attempted to relate long-term equilibrium value to the labour input of production but MARX is best known as an adherent of this view. Labour theories have a variety of forms. Smith's three versions were labour quantity (the value of a good is proportional to the amount of labour needed to make it), labour command (the value of a good is proportional to the amount of labour of others obtained in exchange) and labour disutility theory (value is proportional to the toil and trouble incurred in production). Neoclassical economists firmly dismissed such theories in favour of a MARGINAL UTILITY approach. JEVONS Stated that once labour is expended in production it no longer enters into value but is lost and gone for ever.<br /> <br /><em>Reference</em><br />Meek,R. (1973)Studies in the Labour Theory of Value, London: Allen & Unwin.
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Juglar cycle (E3)<br />A cycle in economic activity lasting seven to eleven years. It was first identified by Clement Juglar (1819-1905) in 1862. He noticed such cycles in prices, interest rates and central bank balances.<br /><em>See also:</em> Kitchin cycle; Kondratieff cycle; Kuznets cycle<br /><em>Reference</em><br />Juglar, C. (1862) Les Crises Commerciales et leur Retour Periodique en France, en Angleterre et aux Etats Unis, English trans. by W. Thorn from the 3rd edn, 1916 (reprinted Farnborough: Gregg Press, 1968).
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<strong>Missouri Higher Education Loan Authority (MOHELA)</strong> Missouri' s designated FFEL Program secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFEL Program loans. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri.
equity premium (G1)<br />The excess of the average real return to stock market securities over the interest rate on treasury bills. In the USA this has been about 6 per cent for 100 years.<br /> <br /><em>Reference</em><br />Kocherlakota, N.R. (1996) 'The equity premium: it's still a puzzle', Journal of Economic Literature 34: 42-71.<br /> Mehra, R. and Prescott, E.C. (1985) 'The equity premium: a puzzle', Journal of Monetary Economics 15: 145-61.
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<strong>Discharge</strong> The release of a borrower or any comaker from all or a portion of his or her loan obligation. Valid reasons for discharge include school closure, death, total and permanent disability, an unpaid refund by the school, or the school' s false certification of a FFEL Program loan.
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Coase, Ronald Harry 191 0- (B3)<br />Born in Willesden, England, and a graduate in commerce from the London School of Economics. After holding academic posts in Dundee, Liverpool and the London School of Economics he emigrated to the USA in 1951 to hold chairs in Buffalo and Virginia before settling in Chicago in
<strong>Lender</strong> A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.
<strong>CBHE</strong> Coordinating Board for Higher Education, the governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
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mode (C1)<br />The value of a set of numberswhich most frequently occurs, e.g. 7 is the mode of 2, 3, 3, 4, 5, 6, 6, 7, 7, 7, 11, 11. Some distributions are without modes_<br /><em>See also:</em> mean; median; unimodal distribution
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extended equilibrium (D5)<br />An expansion of the concept of GENERAL EQUILIBRIUM to include the natmal environment.
job control unionism (J5)<br />A form of TRADE (LABOR) UNIONISM which insists on strict DEMARCATION for each job and a particular wage rate being linked to a highly defined job. There are examples of this in both the US and UK labour markets.<br /><em>See also:</em> featherbedding
<strong>State tax offset</strong> The withholding of a borrower' s state income tax refund to repay a defaulted loan.
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<strong>State Student Financial Aid Committee</strong> A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as the state aid program task force. )
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<strong>AFDC</strong> Aid to Families with Dependent Children, a public assistance program.
<strong>PEPS</strong> Postsecondary Education Participants System, a database of postsecondary institutions that participate in any program administered by the U.S. Department of Education.
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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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dogs ofthe Dow (G1)<br />An approach to investment based on using dividend data. At the beginning of the year, US stocks listed by Dow are ranked by dividend yield from the highest to the lowest and then an equal amount is invested in each of the top ten stocks. The following year the procedure is repeated and the stocks whose rank has fallen below the top ten are sold.
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<strong>Auxiliary Loans to Assist Students (ALAS)</strong> This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.
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Financial Times Industrial Ordinary Share Index (G1)<br />A price index of thirty leading industrial shares traded On the INTERNATIONAL STOCK EXCHANGE of London which was first published in 1935. This valuation of stock market shares is made at the beginning of each trading day, hourly throughout and at the end of the day.
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ceiling price (D4, L5)<br />Maximum price set under a system of price control. If, as is often the case, this price (OC in the figure) is less than the market equilibrium price OE, there will be excess demand MN and some need for rationing to allocate goods.
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landownership (QO)<br />The distribution of the land of a country, a product of its land tenure system, much of which is based on custom enshrined in a country's property laws. Countries that have undergone a socialist revolution often have transferred much land to the state or to small peasant proprietors. The pattern of landownership is a crucial determinant of agricultural efficiency: too much divi-
<strong>The Source</strong> MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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snake in the tunnel (F3)<br />The exchange rate regime constituting part of the SMITHSONIAN AGREEMENT and existing December 1971 to March 1973. The 'tunnel' was the permitted range of 4.5 per cent fluctuations around the dollar; the 'snake', the band of 2.25 per cent to which the participating currencies were confined at a particular time. It also applies to the EUROPEAN MONETARY SYSTEM'S currency movements since 1979.
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<strong>Gallagher grant</strong> Missouri' s Charles Gallagher Student Financial Assistance Program, administered by the MDHE until the 2006-07 academic year and replaced by Access Missouri August 28, 2007.
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<strong>Entrance counseling</strong> Counseling required to be provided by a school to its borrowers prior to delivering a student' s first disbursement associated with his or her first loan.
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recession (E3)<br />1 A phase of the business cycle which succeeds a boom and precedes a trough.<br /> 2 A six-month fall in GROSS DOMESTIC PRODUCT according to the NATIONAL BUREAU OF ECONOMIC RESEARCH of Washington, DC.
<strong>Master Promissory Note (MPN)</strong> A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.
exchange rate premium (F3)<br />The difference between the forward exchange rate and the expected future spot exchange rate.
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loss function (C1)<br />This shows the deviation of a data point from a least squares fitted line through a scatter of points measured on the vertical axis as a function of the deviation measured on the horizontal axis. This has been applied to msunLITY to indicate what has to be minimized.<br /><em>See also:</em> least squares method
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'Macroeconomics when markets do not clear', in W Branson (ed.) Macroeconomic Theory and Policy, ch. 16, New York: Harper & Row.<br /> Samuelson, P. (1939) 'Interactions between multiplier analysis and the principle of acceleration', Review of Economic Statistics 21(May): 75-8.
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<strong>DL</strong> Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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<strong>CL4</strong> CommonLine Release 4, the most widely used CommonLine file format within the FFEL Program. The CommonLine Release 5 (CL5) formats, although in existence for many years, were never widely adopted and implemented by FAMS vendors or FFEL Program participants.
production asymmetry (P4)<br />A characteristic of a DUAL ECONOMY resulting from the traditional agricultural sector using a different combination of factors of production from the modern industrialized sector.
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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.
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financial centre (G2)<br />A cluster of different financial institutions at one geographical location. The growth of population and business encouraged banking, insurance and other types of financing. The large amounts of capital required to conduct these institutions have inevitably led to mergers within the financial sector of the same or related types of institution, as well as the disproportionate growth of cities such as New York, London and Tokyo as financial centres.
indicator variable (E6)<br />An economic statistic which describes the current state of an economy and guides a policy-maker in his or her actions, particularly whether to deflate or reflate the economy.<br /><em>See also:</em> coincident indicators; economic indicators
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<strong>Federal Reserve</strong> The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)
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altruism (DO, L3, PO)<br />Seeking the good of others. This alternative to SELF-INTEREST can be a major motive for economic activity. Many schemes of idealistic socialism rest on this principle. Adam SMITH used the concept of the INVISIBLE HAND to show that unconscious altruism can occur in an economy based on the principle of self-interest.<br /><em>See also:</em> non-profit enterprise; utopia <br /><em>Reference</em><br />Collard, D.A. (1978) Altruism and Economy, Oxford: Martin Robertson; New York: Oxford University Press.
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<strong>Borrower-based academic year (BBAY)</strong> An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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game theory (C7)<br />The study of the 'behaviour of independent decision makers whose fortunes are linked in an interplay of collusion, conflict and compromise' (Shubik). The theory is central to much formulation and testing of models in economics as it studies multilateral decision making. The earliest exponents of the art were couRNOT, EDGEWORTH, B6HM-BAWERK and ZEUTHEN. Much of the theory recognizes UNCERTAINTY, recently it has taken into account ignorance of rules, incomplete information and indefinite time horizons. Important solution concepts utilized are the NASH EQUILIBRIUM, the CORE, the Neumann Morgenstern stable set and the SHAPLEY value. Major applications include BILATERAL MONOPOLY, DUOPOLY, planning processes, WELFARE ECONOMICS and the study of markets and monetary institutions.<br /> <br /><em>Reference</em><br />Neumann, J. von and Morgenstern, 0. (1983) Theor y of Games and Economic Behaviour, Princeton, NJ: Princeton University Press.<br /> Schotter, A. and Schwodiauer, G. (1980)<br />'Economics and the theory of games: a survey', Journal of Economic Literature 18: 479 527.<br /> Shubik, M. (1983) Game Theory in the Social Sciences: Concepts and Solutions, Cambridge, MA, and London: MIT Press.
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radical economics (A1)<br />An application of Marxist and socialist theories to the analysis of the problems of advanced CAPITALIST countries. The major concerns of radical economists are income inequality, international capitalism in the form of MULTINATIONAL CORPORATIONS, DE-INDUSTRIALIZATION, UNEMPLOYMENT, MARKET FAILURE, defence expenditure and the low provision of many PUBLIC GOODS. The humane concerns of these writers have influenced a great deal of policy making but have yet to form the basis of a new society and economy in any major country.<br /><em>Reference</em><br />Linder, M. (1977) The Anti-Samuelson, Vols I and II, New York: Urizen Books. Sawyer, M. (1989) The Challenge of Political Economy: Radical Alternatives to Neo-Classical Economics, Heme! Hempstead: Harvester Wheatsheaf.
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Cowles Commission (B2, CO)<br />US econometric research centre founded in Colorado Springs in 1932 and then moving to Chicago University in 1939 to avoid the Colorado state income tax which affected its publisher benefactor. It was noted in its early days for the distinctive econometric methodology of HAAVELMo and his followers which concentrated on the problems of simultaneity, identification and estimation.<br /><em>See also:</em> econometrics <br /><em>Reference</em><br />Haavelmo, T. (1944) 'The probability approach in econometrics', Econometrica (Supplement) 12: 1-115.<br /> Hildreth, C. (1986) The Cowles Commission in Chicago, 1935-55, Berlin: Springer Verlag.
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<strong>Recognized equivalent of a high school diploma</strong> A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.
<strong>FANG</strong> Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.
<strong>R</strong> Code used to request a release on a disbursement or to indicate a released status, as defined within CommonLine file specifications.
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<strong>MODEL Gateway</strong> A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.
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market balance of payments (F4)<br />The balance of demand for and supply of a country's currency in the exchange market at a given exchange rate.<br /><em>See also:</em> balance of payments
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clearing (DO, G2)<br />1 The matching of demand and supply in a particular market.<br /> 2 The exchange between banks of the cheques drawn upon them.
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Ohlin, Bertil, 1899-1979 (B3)<br />Swedish international trade and macroeconomic theorist and a leader of the STOCKHOLM SCHOOL, who was educated at Lund University, the Stockholm School of Business Administration, Harvard University and at the University of Stockholm where he was a doctoral student of CASSEL He was a professor of economics from 1925 to 1930 at Copenhagen and at Stockholm from 1930 to 1965 (as successor to HECKSCHER). In a parallel political career, he was a member of the Swedish parliament (1938-70), leader of the Swedish Liberal Party (1944-67) and Minister of Trade (1944-45).<br /> As a member of the STOCKHOLM SCHOOL, he in many ways anticipated KEYNESIAN ideas by using the concepts of the PROPENsiTY TO CONSUME, LIQUIDITY PREFERENCE and the MULTIPLIER in articles of 1933 and 1934. In times of excess capacity, he argued (in 1934) that the government should undertake investment projects that would not compete with the private sector and would be deficit financed. He developed Heckscher's factor price equalization theory of international trade to produce the HECKSCHER OHLIN TRADE THEOREM. His most famous work is Interregional and International Trade (1933). His contribution to international trade theory earned him, with MEADE, the NOBEL PRlZE FOR ECONOMICS in 1977.<br /><em>Reference</em><br />Samuelson, P.A. (1981) 'Berti! Ohlin (1899-1979)', Scandinavian Journal of Economics 83: 355-71.<br /> Steiger, 0. (1976) 'Berti! Ohlin and the origins of the Keynesian Revolution', History of Political Economy 8: 341-66.
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public interest theory (D6, K2)<br />An analysis of the net economic welfare resulting from REGULATION or DEREGULATION often employing the notions of coNSUMER SURPLUS and PRODUCER SURPLUS.
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Monetary Policy Committee (UK) (E5) The committee set up in 1997 to set interest rates independently of the Treasury. It has the single task of maintaining a target rate of inflation set by the CHANCELWR OF THE EXCHEQUER. It has been noted for increasing the volatility of interest rates. Its narrow remit resembles New Zealand's rather than the US's comparable committee.
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<strong>Federal Family Education Loan Program (FFELP)</strong> Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.
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state monopoly capitalism (P2)<br />A type of economic system, particularly the SOVIET-TYPE ECONOMY, in which the state owns all the means of production (except for a few minor services and agricultural enterprises) and exploits scale economies by running each branch of production as a state-owned monopoly. MARX regarded such a stage of economic development as the prelude to full communism when the state itself would wither away.<br /><em>See also:</em> monopoly capitalism <br /><em>Reference</em><br />Cowling, K. (1982) Monopoly Capitalism, London: Macmillan.<br /> Fine, B. and Martin, A. (1984) Macroeco- nomics and Monopoly Capitalism, Brighton: Wheatsheaf.
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currency run (G2)<br />A great increase in the public's demand for cash because of the belief that other forms of finance, including CREDIT CARDS, will be ineffective. At the time of the beginning of the new millennium, 1 January 2000, many believed that only coins and banknotes were reliable at a time when widespread computer failures were possible.
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economic growth (04)<br />The growth in the total, or per capita, output of an economy, often measured by an increase in real GROSS NATIONAL PRODUCT, and caused by an increase in the supply of FACTORS OF PRODUCTION or their PRODUCTIVITY. This approach was central to Smith's Wealth of Nations and to much of CLASSICAL ECONOMICS. HARROD and DOMAR in 1948 were major founders of modem growth theory. Growth theorists have wedded their work to DEVELOPMENT ECONOMICS and to a study of ECONOMIC PLANNING. Ecologists and others concerned about the scarcity of natural resources have advocated zero economic growth rates as appropriate for the twenty-first century. A writer as early as John Stuart MILL (in his Principles of Political Economy, Book IV, ch. 6) extolled the benefits of the STATIONARY STATE.<br /> <br /><em>Reference</em><br />Mishan, E.J. (1977) The Economic Growth Debate. An Assessment, London: Allen&Unwin.<br /> Rostow, W.W. (1990) Theorists of Economic Growth from David Hume to the Present, New York: Oxford University Press.
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<strong>Verification</strong> A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.
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collaborative production (L2)<br />A form of workplace organization which decentralizes production. This reaction to TAYLORISM can take many forms, including TEAMWORK and QUALITY CIRCLES.
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<strong>Default</strong> Occurs when the borrower fails to make FFEL Program loan payments for 270 days or more or when the borrower fails to meet other terms of the promissory note.
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<strong>Private loan</strong> A non federal student loan, also referred to as alternative loan. Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.
co-operative federalism (H7)<br />A federal state with much intergovernmental co-operation between federal and state governments. In particular, the different layers of government jointly participate in many programmes.<br /><em>See also:</em> dual federalism; fiscal federalism
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<strong>Proportional proration</strong> A required calculation used to determine the applicable annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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reproduction (E2)<br />A new cycle of production created by a given amount of capital. Simple accumulation is a cycle with no accumulation; expanded reproduction, when accumulation is more than zero; contracted reproduction when accumulation is less than zero. This is a term popular in MARXIAN ECONOMICS.
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dependency theory (01)<br />Exploitation theory applied to small countries. A small country exporting agricultural commodities finds that the control of its economy, especially its trade, shipping, insurance, banking and port facilities, passes to foreigners who are often associated with a local wealthy elite. The economy suffers from the repatriation of profits and imports, both of which are detrimental to domestic industries. The deterioration in local industry reduces industrial employment and pushes indigenous workers into the subsistence sector. In order to counteract the losses created by dependency, these theorists recommend fast independent growth and the granting of priority to basic needs. Critics argue that the theory at best is applicable only to some tropical colonies in the 1900-50 era, that it exaggerates the extent of profit repatriation and that it fails to establish a single optimal set of prices.<br /><em>Reference</em><br />Frank, A.G. (1978) Dependent Accumulation and Underdevelopment, London: Macmillan.<br /> Smith, T (199 5) 'The underdevelopment of development literature: the case of dependency theory', inS. Haggard (ed.) The International Political Economy and the Developing Countries, VoL 1, pp.<br /> 300-41, Aldershot: Edward Elgar.
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<strong>CL</strong> CommonLine, the FFEL Program industry' s standards by which loan and borrower information is electronically gathered, stored, and transmitted via a flat file. CommonLine file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP e-library at www.nchelp.org.
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<strong>Escrow agent</strong> A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.
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coinage (E4)<br />Pieces of metal of a standard size and weight stamped by a sovereign power to give them the status of money. Coins were first used as money by the Lydians (Greek inhabitants of what is now West Turkey) in the seventh century BC. The first coins were made of electrum, a natural alloy of gold and silver. Silver, bronze and copper were later used in Ancient Greece and the Roman Empire. Copper coins, used for small transactions, were issued with a monetary value in excess of the value of metal used, establishing the principle of token money, which is the nature of coinage today. The first problems of coinage, clipping and forgery, were solved by a change in production method from hammering to milling to ensure a standard size. The second problem, the inconvenience of transporting it to carry out large financial transactions, was remedied by the use of banknotes.
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market economy (P1)<br />An economy with extensive private ownership of capital and with allocation of goods and services by the price mechanism in the absence of government intervention. The PHYSIOCRATS and CLASSICAL ECONOMISTS praised this form of economy; NEOCLASSICAL ECONOMISTS have analysed it in detail, e.g. by showing how a system of coMPETITIVE TRADING is used for the exchange of all commodities. For a market economy to flourish, goods must be available in competitive markets at prices which reflect their long-run scarcities and businesses must be motivated by profit.
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<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.
exchange standpoint epistemology (D4) An approach to studying economics favouring market and market policy measures.
<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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credit tranche facility (F3)<br />An INTERNATIONAL MONETARY FUND lending facility to help a member country deal
<strong>Servicer</strong> An entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program. Schools, lenders, secondary markets, guarantors, and the federal government may all employ servicers. MOHELA, Nelnet, and Sallie Mae are all FFEL Program servicers operating in the state of Missouri.
<strong>BBAY</strong> Borrower-based academic year, an academic year which deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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fixed exchange rate (F3)<br />An exchange rate whose value is tied to gold or a major currency or basket of currencies. The GOLD STANDARD was not used after the Second World War, being replaced by a DOLLAR STANDARD under BRETTON WOODS until 1971. Later in Europe a fixed exchange rate regime tied several currencies to other European currencies under the EXCHANGE RATE MECHANISM of the EUROPEAN MONETARY SYSTEM. Currencies with a fixed parity are permitted to vary only within a narrow range above and below par value. Fixed exchange rates promote stability in international trade but carry the cost of holding greater reserves of foreign currencies and other reserve assets. A revaluation or devaluation of a fixed exchange rate creates considerable problems of adjustment in the national economy concerned.
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monopolistic competition (Ll)<br />A market structure first discussed by Edward CHAMBERLIN in 1932. It is similar to PERFECT COMPETITION, apart from the crucial assumption of PRODUCT DIFFERENTIATION which has the effect of introducing selling costs. These costs create a BARRIER TO ENTRY with the effects of reducing the number of firms in the industry and creating a small amount of monopoly power for each producer. Since monopolistically competitive firms produce, in
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<strong>Academic Year (AY)</strong> For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym AY may also refer to the Award Year.)
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disconnective taxation (H2)<br />Taxation unconnected to any spending. The opposite of a BENEFIT TAX.
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Clayton Act 1914 (L4)<br />The important amendment to the US SHERMAN ACT 1890 which extended federal ANTITRUST Jaw. It forbad PRICE DISCRIMINATION, tying arrangements and exclusive dealing, and the acquisition of another corporation's stock if it was likely to reduce competition or lead to the creation of a monopoly; it also allowed triple damages to those suffering breaches of the antitrust law. It exempted labour unions and agricultural associations from antitrust actions.<br /><em>See also:</em> Celler-Kefauver Antimerger Act; Robinson-Patman Act
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<strong>Disbursement date change</strong> A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. May also be referred to as rescheduling a disbursement. Within CommonLine 4 files, the disbursement date change is located within the 01-09 record.
corporate state (PO)<br />A state considerably influenced by relatively few large firms and trade unions which jointly, with the collaboration of the government, make the major economic decisions on which the running of an economy is based. Italian fascism of the interwar period took this form; UK governments of the 1960s and 1970s, according to their critics, adopted such a political philosophy. As the proportion of output produced by a few major companies increases in the USA and other Western countries, coRPORATISM becomes a more important issue.<br /><em>See also:</em> minimal state; state monopoly capitalism
<strong>Financial need</strong> The student' s COA (Cost of Attendance) less the EFC (Expected Family Contribution). The resulting amount is used to determine a student' s eligibility for most of the federal student aid programs as well as some state and institutional aid programs.
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council tax (H2)<br />UK local property tax introduced in 1991 as a replacement of the coMMUNITY CHARGE. Poorest households are exempted from it; other households are assessed on the assumption that two adults live in the household (a single person would have a rebate of 25 per cent). The value of each property is placed within one of seven bands, which are defined differently for England, Scotland and Wales.
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high-technology industry (L6, 03)<br />An INDUSTRY, usually CAPITAL INTENSIVE, requiring a high level of RESEARCH AND DEVELOPMENT to maintain its international standing. Leading examples are the aerospace, pharmaceutical and computer industries.
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<strong>Encryption</strong> A process by which data is translated into a proprietary code (algorithm) so that it can only be read or altered by an entity that possesses the keys to decipher (decrypt) the code. There are two types of encryption: symmetric (private key) and asymmetric (public key).
of Money, Chicago: University of Chicago Press.<br /> - (1957) A Theory of the Consumption Function: A Study by the National Bureau of Economic Research, New York, Princeton, NJ: Princeton University Press.<br /> - (1982) Capitalism and Freedom, Chicago and London: University of Chicago Press.<br /> Friedman, M. and Schwartz, A.E (1963)<br />Monetary History of the United States, 1867-1960, Princeton, NJ: Princeton University Press.<br /> - (1982) Monetary Trends in the United States and the United Kingdom: Their Relation to Income, Prices and Interest Rates 1867-1975, Chicago: University of Chicago Press.<br /> Thygessen, N. (1975) 'The scientific contributions of Milton Friedman', Scandinavian Journal of Economics 79: 56-98.
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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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<strong>Electronic Data Exchange (EDE)</strong> Federal system used by schools to administer the Federal Pell Grant Program and the direct loan program.
<strong>MSGP</strong> Missouri Student Grant Program. Original name for the Charles Gallagher Student Financial Assistance Program, which was discontinued after the 2006-07 academic year and replaced by Access Missouri on August 28, 2007.
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compensating wage differential (J3)<br />A differential in wages or salaries created to compensate for a poor job attribute, e.g. a health hazard or variability of earnings. Firms grant these differentials to enable them to retain staff in undesirable jobs and to recruit new workers.
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spatial duopoly (Rl)<br />Two firms located at different places competing for the same group of dispersed customers.
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endogenizing the exogenous (E1)<br />The inclusion in an economic model of something previously regarded as given. Classical economists, for example, regarded FULL EMPLOYMENT as given, whereas KEYNES included it as a variable in his model of the national economy. Expectations were often regarded as given but now many economic models include them.<br /><em>See also:</em> endogenous variable; exogenous variable
<strong>Cost less aid</strong> A figure calculated by deducting all financial assistance the student has been or will be awarded for the loan period from the cost of attendance for that same loan period.
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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.
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<strong>Reaffirmation</strong> A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.
Denison's law (E2)<br />This states that the private sector saving of companies and households is a constant proportion of national income. This relationship held for twenty-five years but it is now being disputed.<br /><em>Reference</em><br />Denison, E. F. (1958)Note on Private Saving', Review of Economics and Statistics, 40: 261-7.
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growth recession (E3)<br />A downturn in an economic CYCLE when an ECONOMY is still enjoying modest economic growth.
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<strong>Mapping Your Future (MYF)</strong> 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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oligopsony (Ll)<br />A market controlled by a few dominant buyers.<br /><em>See also:</em> monopsony
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nominal value of a yield(%) share xdividend (%) 100 market price x 100 x & Divisia money index (E4)<br />A combination of different measures of money weighted by the amount of interest paid on each. The higher the interest rate, the less the monetary instrument is 'money' in the narrow sense of being CASH. The growth of interest-bearing cuRRENT ACCOUNTS has rendered the index less usefuL<br /><em>See also:</em> money supply <br /><em>Reference</em><br />Barnett, WA., Fisher, D. and Serletis, A. (1992) 'Consumer theory and the demand for money', Journal of Economic Literature 30: 2086-119.
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<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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coconut model (E1)<br />A model of a tropical island in which there is a taboo against eating the coconuts one has picked so there has to be a trade of nuts for nuts before consumption can occur. The ability to trade depends on the number of potential trading partners. There is no mechanism to ensure forecasts of the time to complete a trade. This model reflects the modern reality of producers consuming little of what they produce.<br /><em>See also:</em> Robinson Crusoe economy <br /><em>Reference</em><br />Diamond, P.A. (1982) 'Aggregate demand in search equilibrium', Journal of Political Economy 90: 881-94.
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<strong>FAT</strong> Financial Aid Transcript, an official record of federal financial aid a student has received at schools the student previously attended.
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General Agreement on Tariffs and Trade (F1)<br />A multilateral trade agreement signed in 1947. It covers all major trading countries with the exceptions of the Soviet republics and China. It was originally intended to be part of the International Trade Organization, a body intended to police international transactions, and, together with the INTERNATIONAL MONETARY FUND and the woRLD BANK, constituted a new international economic system. As the INTERNATIONAL TRADE ORGANIZATION was never established, the General Agreement on Tariffs and Trade remains as a treaty. Under Article 1, each contracting party to the agreement pledged to offer most favoured nation treatment to the others; Article 3 challenged trade discrimination by requiring contracting parties to charge only domestic taxation on imports from treaty partners; Articles 11 to 15 stated that quantitative restrictions on imports were permitted, after consultation, for balance of payments reasons. Trade has gradually been liberalized in a number of rounds of negotiations.<br /> Most disputes between members have been solved, with the exception of the problem of the subsidization of agricultural products. But it can be argued that the continued existence of voLUNTARY EXPORT RESTRAINTS and deals such as market sharing have retained PROTECTION in a modem guise.<br /><em>See also:</em> Dillon Round; Kennedy Round; Tokyo Round; Uruguay Round; World Trade Organization<br /><em>Reference</em><br />Hoekman, B.M. and Kostecki, M.M. (1995) The political economy of the world trading system: from GATT to WTO, Oxford and New York: Oxford University Press.<br /> Oxley, A. (1990) The Challenge of Free Trade, Hemet Hempstead: Harvester Wheatsheaf
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<strong>NOG</strong> Notice of Loan Guarantee and Disclosure Statement, which is sent to lenders upon the guarantee of a loan by the MDHE. The lender then sends a copy of the NOG to the borrower.
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<strong>SAT</strong> Scholastic Aptitude Test, administered by the College Board.
fixed rates to variable rates for lending. To assess a domestic banking system a commonly used indicator is the trend in the prices of the stocks and shares of issued bank securities as these reflect investors' confidence.<br /><em>See also:</em> banking; derivative domestic system (D2)<br />A primitive form of production in which MERCHANT CAPITALISTS advance capital to self-employed craftworkers and artisans who, using their own simple tools, make a product. Before the Industrial Revolution in Great Britain, the textile industry was organized in this way.<br /><em>Reference</em><br />Lewis, M.K. and Davis, K.T. (1981) Domestic and International Banking, Cambridge, MA: MIT Press; Hemet Hempstead: Philip Alan.<br /> See also: advanced organic Asiatic mode of production; dustry; homework
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linkage models (C5)<br />Large-scale econometric models that link together national macroeconomic models to show the relationships between major national economies, especially trade and monetary flows and exchange rates.<br /><em>See also:</em> COMET; INTERLINK
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degrees of freedom (C1)<br />The number of observations in a sample minus the number of population PARAMETERS to be estimated by the sample.
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<strong>PPA</strong> Program Participation Agreement with the U.S. Department of Education that permits a school to participate in the Title IV federal student financial aid programs.
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bond rating agency (Gl)<br />A financial markets specialist which rates the creditworthiness of the principal issuers of bonds - governments, municipalities and corporations. Standard & Poor and Moody's are the leading US agencies of this kind.<br /><em>See also:</em> AAA; BB; BBB; D; DDD; Prime-!
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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>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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Prebisch-Singer thesis (F1)<br />A thesis arguing that as the TERMS OF TRADE have moved against developing countries, protection and import substitution should be used to promote industrialization in such countries. This approach was advocated as a means of reducing income inequalities between nations.<br /><em>Reference</em><br />Prebisch, R. (1950) The Economic Development of Latin America and its Principal Problems, New York: United Nations.<br /> Singer, H.W. (1950) 'The distribution of gains between investing and borrowing countries', American Economic Review 40: 473 - E5. precautionary demand for money (E4) The CASH needed to meet unforeseen expenditures. The expansion of credit facilities has reduced this demand.<br /><em>See also:</em> speculative demand for money; transactions demand for money
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grey belt (Jl)<br />An area with a high proportion of retired people in its population. In many countries, the grey belt is situated on the coastline with the best climate.<br /><em>See also:</em> ageing population
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zero growth (EO, 04)<br />The characteristic of an economy m a STATIONARY STATE. CLASSICAL ECONOMISTS feared the movement of the economy to stationarity, excepting John Stuart MILL who was willing to approve of no growth, providing that there was a satisfactory income distribution. In modern advanced economies this has been suggested as a goal on the grounds that growth of the GROSS NATIONAL PRODUCT generates SOCIAL coSTS in the form of pollution, congestion and more arduous work, as well as running down non-renewable resources too rapidly. Zero growth is often expressed as a condemnation of all growth rather than an attack on particular undesirable economic activities. However, changes to more environmentally-friendly production techniques make economic growth more acceptable.<br /><em>See also:</em> Club of Rome
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American Depository Receipt (G2)<br />A share certificate or bearer security entitling the holder to shares of a non-US company which have been deposited in a bank located outside the USA. This US financial instrument, originally devised in 1927, is now traded on both US and UK stock exchanges.
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general competitive bidding (M2)<br />A method of selecting a contractor for a large investment. Typically an outline of a construction project is announced. Anyone can participate in the bidding and the bidder offering the lowest price wins the contract. Also known as the 'open bidding system'.
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<strong>OAKFAP</strong> The Ozark area group of financial aid professionals, normally meeting in Springfield.
<strong>LDA</strong> Last Date of Attendance, the last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.
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New Right (B2)<br />Political and economic thinkers who came to prominence in the 1980s in the USA and Western Europe through advocating LIBERTARIAN ECONOMICS. Their proposals include a minimal role for the state, little government intervention in the running of national economies, a market approach to production and distribution and PRIVATIZATION.<br /><em>See also:</em> economic devolution; laissezfaire References Thompson, G. (1990) The Political Economy of the New Right, London: Pinter.
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Council of Economic Advisers (H1)<br />The team of three in the USA which advises the president on the state of the economy. This council was set up under the EMPLOYMENT ACT 1946. A principal task of the council is to assist the president in preparing his annual Economic Report to the Congress, a report formulating broad guidelines for stabilization policy and other aspects of the government's economic programme. The academics chosen as members of the council usually have political views close to those of the administration.<br /> <br /><em>Reference</em><br />Feldstein, M. (1992) 'The Council of Economic Advisers and Economic Advising in the United States', Economic Journa/102: 1223-34.
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Mill, John Stuart, 1806-73 (B3)<br />English philosopher, political theorist and major classical economist. His father, James MILL, a close friend of BENTHAM, educated him at home in a rigorous programme which started with Greek at the age of 3 and reached political economy ten years later. John learned economics by making notes on RICARDo's Principles which his father then published as Elements of Political Economy (1821). He followed his father into a clerkship in the East India Company where he was employed until 1858 and engaged in the political reform movements of the day being Member of Parliament for Westminster from 1865 to 1868. John turned his attention to a range of philosophical and political issues, writing on women's rights, representative government, logic, UTILITARIANISM and liberty. But he made an outstanding contribution to economics, being more than he modestly claimed - a clarifier of SMITH'S and RICARDO'S ideas.<br /> In his brilliant Essays on Some Unsettled Questions of Political Economy, written when he was only 23 but not published until 1844, he developed the theory of RECIPROCAL DEMAND to explain the ratios at which nations would trade if they followed the principle of coMPARATIVE ADVANTAGE. Also he introduced the idea of a demand schedule, refined SAY'S LAW and expounded one of the earliest theories of the TRADE CYCLE which he attributed to
economic planning (D2, Ll, 02, P2)<br />The allocation of economic resources and the determination of production on the basis of a plan; the alternative to allocation by markets. The Soviet plans of the 1930s were the first major attempts to organize entire national economies according to this method. In the post-war period, French INDICATIVE PLANNING also attracted much attention. Governments also use planning for aspects of their economies, particularly for regional development and major investment. Since planning essentially commits a government to a future course of action, it can lead to many inflexibilities, including a slow reaction to change, especially in the foreign trade sector. As planners rely greatly on economic FORECASTING the difficulties of modelling complex economies can make the quality of their plans suffer. Also planning necessitates much bureaucracy, which is both costly and often opposed to entrepreneurship. Increasingly planning in countries such as Hungary allowed the reintroduction of market mechanisms for small-scale production. At the beginning of the twenty-first century there is little enthusiasm for the revival of large-scale national planning.<br /><em>See also:</em> centrally planned economy; development <br /><em>Reference</em><br />Cave, M. and Hare, P.G. (1981) Alternative Approaches to Economic Planning, London: Macmillan.
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development (01, 04)<br />1 The movement of an economy from agricultural activities using simple technology to the production of industrial products and a range of services using modern technology. (Even in the seventeenth century PETTY regarded development as the growth of serv1ce industries.)<br />2 The cumulative growth of per capita income, accompanied by structural and institutional changes. Although per capita income is a crude measure unless problems of measuring the GRoss DOMESTIC PRODUCT and its distribution are taken into account, this is often the best proxy measure. Post-1945 development policies have often failed to help the poorest 40 per cent of the world's population. Although many aid programmes have an urban bias, they have widely achieved lower rates of infant mortality, more hospital beds, an increased supply of piped water and the building of many all-season roads.<br /><em>See also:</em> industrialization <br /><em>Reference</em><br />Kitching, G. (1989) Development and Underdevelopment in Historical Perspective.
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quota (D2, F1)<br />A restricted supply of a good or service. Import quotas are used to protect domestic industries; export quotas, to stabilize expor t earnings. Under any system of rationing, a quota will be the amount allocated to a particular person or organization.<br /><em>See also:</em> non-tariff barrier; protection; tariff; volun tary export restraint & R
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single-tax movement (H2)<br />The campaign in the USA by Henry GEORGE for existing taxes to be replaced by a single tax on land, which would absorb all pure rents. This view was based on the observation that landlords have an unearned income arising from land as it rises in value through being fixed in supply but increasingly demanded as the population grows. A century before, the PHYSIOCRATS, too, proposed a single tax on land. For such a change in taxation to be fair to all factors of production, ECONOMIC RENT wherever it occurs, including a portion of the earnings of talented performers, would have to be taxed.<br /><em>See also:</em> Turgot <br /><em>Reference</em><br />George, H. (1918) Single Tax- What It Is and Why We Urge It, Los Angeles: Golden Press.
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discouraged workers hypothesis (J2, J6) The view that workers give up job search activity because high unemployment rates and a lack of hiring by businesses make it unlikely that they will succeed in gaining employment Lack of search loses them the status of being unemployed and so they drop OUt of the LABOUR FORCE.<br /><em>See also:</em> additional worker hypothesis
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<strong>Reauthorization</strong> The legislative process, generally carried out every five years for the Higher Education Act, whereby Congress reviews and either renews, terminates, or amends existing programs.
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<strong>Totally and permanently disabled</strong> the condition of an individual who is unable to work and earn money due to an injury or illness that is expected to continue indefinitely or eventually result in death.
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networking economy (PO)<br />An ECON OMY consisting of many small specialist firms, or NETWORKERS, linked together by an information system, a POSTINDUSTRIAL SOCIETY.
<strong>PG</strong> Print and Guarantee, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a PG process flow, the school submits loan application information to the guarantor or lender, and that entity then either mails a paper MPN to the borrower for completion or makes the application available online for the borrower to access and complete. Once the borrower completes his/her portion of the application process, the loan is guaranteed. A PG process often works well for PLUS loans, whereby the borrower must first pass a credit check before the loan can be guaranteed.
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<strong>MSLG</strong> Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.
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<strong>Graduated repayment schedule</strong> A repayment schedule under which the amount of the borrower' s payment is scheduled to change during the course of the repayment period. The graduated repayment schedule cannot exceed 10 years unless the borrower is eligible for an extended repayment period.
<strong>SAR</strong> Student Aid Report, the paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.
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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>CR:C</strong> Common Record: CommonLine, the FFEL Program industry' s newest electronic communication standards by which loan and borrower information is electronically gathered, stored, and transmitted via an XML format. CR:C file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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Trade Agreement of 1989 to include Mexico, agreed in 1992. Over fifteen years all duties, tariffs and non-tariff barriers between the countries will be eliminated. For trade-sensitive products such as beer, footwear and maize there will be long periods of adjustment. A three-nation panel will consider trade disputes, including related employment and environmental matters.
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Edge Act Corporation (G2, Ml)<br />A type of US financial corporation m existence since 1919 which can receive deposits from foreign governments and other non-US residents and from US citizens whose deposits are transmitted abroad. It can also hold foreign securities and engage in foreign exchange activities. These corporations can be either banking corporations mainly concerned with accepting deposits or corporations principally involved in investing in foreign nonbanking firms. The advantages of being a corporation of this kind are that they can operate across state boundaries, in the case of international transactions, and that their investments can be wider than those of FEDERAL RESERVE member banks, e.g. in foreign finance.<br /><em>See also:</em> McFadden Branch Banking Act
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Sherman Act 1890 (L4)<br />The founding statute of the US federal ANTITRUST legislation. This Act prohibits 'all contracts, combinations and conspiracies in restraint of trade' (section 1) and monopolization in interstate and foreign trade (section 2). The Act was followed by further federal legislation and similar statutes for individual states.<br /><em>See also:</em> antitrust; Celler-Kefauver Antimerger Act; Clayton Act; Federal Trade Commission Act; Robinson-Patman Act <br /><em>Reference</em><br />Bork, R.H. (1978) The Antitrust Paradox, New York: Basic Books.
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<strong>FY</strong> Fiscal Year, an annual budgetary period. A fiscal year may defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1 September 30).
<strong>GEN</strong> General Dear Colleague Letter.
<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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Jevons, William Stanley, 1835-82 (B3)<br />A leader of the MARGINALIST School who was educated at the Mechanics Institute High School, Liverpool, and University College, London. His university studies began with chemistry and mathematics and were interrupted by four years in Australia as assayer to the Sydney Mint before he returned to study political economy and logic. In Australia, his first researches were into climate and the effects of railways on land values and rent; also there he acquired the habit of 'pricking off curves' on squared paper to study fluctuations in economic time series. He held academic posts at Owen's College, Manchester, and Queen's College, Liverpool, before becoming professor of political economy at University College, London from 1876 to 1881. He drowned in 1882. His principal works were A Serious Fall in the Value of Gold Ascertained and its Social Effects Set Forth (1863) which introduced a new method of measuring price changes, The Coal Question: An Inquiry Concerning the Progress of the Nation and the Probable Exhaustion of the Coalmines (1865) which caused a national scare and his Theory of Political Economy (1871) which was regarded by Keynes as 'the first modern book on economics'.<br /> Jevons's theory of exchange was the focal point of his Theory: by switching from cost to subjective UTILITY as the basis of value he was able to begin the precise theorizing which constitutes NEOCLASSICAL microeconomics. His theory of the RATE OF INTEREST made a contribution to the development of marginal productivity theory. His influence on the development of economics in England was profound.<br /><em>See also:</em> marginalism; Menger; Walras <br /><em>Reference</em><br />Collison Black, R.D. and Konckamp, R. (eds) (1972) Papers and Correspondence of William Stanley Jevons, Vols 1-7, London and Basingstoke: Macmillan.<br /> Schabas, M. (1990) A World Ruled by Number: William Stanley Jevons and the Rise of Mathematical Economics, Princeton, NJ: Princeton University Press.<br /> Stigler, G.J. (1946) Theories of Production and Distribution: The Formative Period, ch. 11, New York: Macmillan.
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<strong>Exit Counseling Workbook</strong> An easy-to-read workbook that explains the ins and outs of repaying a student loan. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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elasticity of substitution (DO)<br />The ease with which one factor of production can be substituted for another. If the elasticity of substitution is greater than unity for a FACTOR OF PRODUCTION, then an increase in its supply will increase its relative share of the national income. HICKS introduced this concept in his Theory of Wages (1926) to show the effect of a change in the supply of one factor, assuming two factors only and constant returns to scale, on the marginal productivity of the other. The concept has been extensively used in the study of PRODUCTION FUNCTIONS and the analysis of the effects of INVENTIONS.<br /> <br /><em>Reference</em><br />Bronfenbrenner, M. (1960) 'A note on relative shares and the elasticity of substitution', Journal of Political Economy 68: 284-7.
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<strong>National credit bureau</strong> A credit reporting agency with a service area encompassing more than a single region of the country. Examples of national credit bureaus include TransUnion and Equifax.
domestic credit expansion (E5)<br />Growth of the money supply, adjusted by the deficit or surplus on the BALANCE oF PAYMENrs current and capital accounts. It consists of the PUBLIC SECTOR BORROWING REQUIREMENr less net sales of public sector debt to the non-bank private sector and bank lending to the private and overseas sectors. The reasoning behind this measure is that a balance of payments deficit leads to a reduction in the expansion of the domestic money stock through excess spending overseas. Conversely, a money supply expands with a balance of payments surplus, increasing foreign currency reserves. This measure was intended to produce a monetary aggregate suitable for open economies. It was first used in the UK in 1968 when it was monetary target popular with the INTERNATIONAL MONETARY FUND.<br /><em>See also:</em> monetarism; money supply
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central bank independence (E5)<br />The conduct of MONETARY POLICY by a CENTRAL BANK, independent of governmental control through its Treasury. This has long been true of the USA with its FEDERAL RESERVE SYSTEM, and of the UK since 1997.<br /><em>See also:</em> Monetary Policy Committee
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<strong>MODEL</strong> Missouri Direct for Educational Loans, the MDHE' s system used to guarantee and track FFEL Program loans and borrowers.
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<strong>EFT</strong> Electronic Funds Transfer, the transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
<strong>LDA</strong> Last Date of Attendance, the last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.
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revolving credit (02)<br />Credit available for an indefinite term for the same amount because the credit used is matched by regular payments from the debtor. An example is permitting credit card holders to use the card up to a particular limit, $10,000: when that limit has been reached and the amount due paid, the credit is available again.
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National Bureau of Economic Research (E6)<br />An independent econom1cs institute founded in 1920 and based in Washington, DC. Its famous research series includes the seminal work of KUZNETS on NATIONAL INCOME and the studies by MITCHELL and BURNS of the business cycle. Its dominant concerns have been macroeconomic.
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shifts in demand or supply curves (DO) An upward or downward movement of a whole demand or supply curve because a variable, other than price, has changed. A change in consumer tastes, in consumer incomes or in the prices of other goods can move a demand curve; a change in technology or governmental regulation can move a supply curve. These shifts are always the result of a failure of the CETERIS PARIBUS condition.<br /><em>See also:</em> identification problem
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which placed location theory in the wider economic context of GENERAL EQUILIBRIUM theory by using !NPUT OUTPUT ANALYSIS and REGIONAL MULTIPLIERS and linked it to other social sciences.<br /><em>See also:</em> regional economics <br /><em>Reference</em><br />Isard, W (1956) Location and Space Economy, Cambridge, MA: MIT Press.<br /> - (1971) Methods of Regional Analysis, Cambridge, MA: MIT Press.<br /> Isard, W and Langford, T.W (1971) Regional Input-Output Study: Recollections, Reflections and Diverse Notes on the Philadelphia Experience, Cambridge, MA: MIT Press.
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Edgeworth, Francis Ysidro, 1845-1926 (B3)<br />Irish-born economist and statistician who received a classical education at Trinity College, Dublin, and Oxford University. He began his academic employment as a lecturer in logic in 1880 and afterwards the Tooke Chair of Political Economy at King's College, London, in 1890; then Drummond Professor of Political Economy at Oxford from 1891 to 1922. A natural mathematical ability enabled him to write the very influential Mathematical Psychics (1881), much admired by MARSHALL: in it he applied mathematics to UTILITARIANISM, analysed the nature of con-
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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.
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natural rate of unemployment (J6)<br />1 The single rate of unemployment compatible with a constant rate of inflation.<br /> 2 The long-term rate of unemployment around which an economy fluctuates as EXPECTATIONS of wage and price changes are fully realized by the associated rate of inflation. Attempts to move the economy to a lower rate of unemployment by fiscal and monetary stimulation are unsuccessful as expectations increase leading to inflationary increases in prices and wages which push the unemployment rate back to the natural rate. The natural rate changes in response to changes in the composition of the labour force as flows in and out of the stock of the unemployed are affected. The natural rate is usually illustrated by a vertical PHILLIPS CURVE.<br /><em>Reference</em><br />Friedman, M. (1968) 'The role of monetary policy', American Economic Review 58 (March): 1 17.
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<strong>SAP</strong> Satisfactory Academic Progress. 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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<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).
<strong>Flat file</strong> Within systems terms, a flat file is a single file containing flat ASCII, or a string of characters. Data in flat files must be read and processed sequentially. CommonLine 4 files are flat files.
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<strong>Federal Reserve</strong> The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)
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country, or part of it, which make economic and social activities possible by providing transportation, public health and education services and buildings for community activities. Railways, airports, hospitals, schools, roads, sewerage systems and reservoirs constitute the major types of social capital. Although in the nineteenth century many of these were financed privately (e.g. the railways), after 1945 in many countries most infrastructure investment has been the responsibility of the public sector. Countries with the poorest infrastructures are either those with low per capita incomes, i.e. the less developed countries, or those with governments practising LAISSEZ-FAIRE policies which seek to minimize the role of the state.
productive potential (04)<br />The maximum growth rate of a country extrapolated from past trends. It is measured by considering both the growth rates of the supply of factors of production (labour and capital) and the PRODUCTIVITY of those factors_<br /><em>See also:</em> natural rate of growth; potential output
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B share (G1)<br />1 Chinese stock market share denominated in Chinese currency but payable in foreign currency and designated for foreign investors.<br /> 2 An ordinary share of a UK company with voting rights. See also: A share
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Western economies - Canada, France, Germany, Italy, Japan, the UK and the USA. They signed the LOUVRE ACCORD and in December 1987 continued with their search for international monetary stability by recommending the elimination of large international payments deficits through a clarification of national economic objectives, especially for fiscal policy. Since November 1975 they have held annual ECONOMIC SUMMITS attended by heads of government and finance ministers.
<br /><em>Reference</em><br />Bator, F.M. (1957) 'The simple analysis of welfare maximization', American Economic Review 47: 22-59.
advised on a single currency. In 1999 he was awarded the NOBEL PRIZE IN ECONOMICS for 'his analysis of monetary and fiscal policy under different exchange rate regimes and his analysis of optimum currency areas'.
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<strong>DR</strong> Disbursement Roster, the electronic file or paper report listing all disbursements and related information for each borrower.
<strong>LTH</strong> Less than half time, an enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.
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leading indicators (E3)<br />A series of economic statlsttcs that changes prior to a change in the REFERENCE CYCLE of an ECONOMY. The principal leading indicators are the index for the construction industry, the index for industrial materials prices, new orders for industrial durable goods, profits, business failures and common stock prices.<br /><em>See also:</em> economic indicators; lagging indicator leads and tags (F4)<br />The advancing (leading) of payments and the delaying (lagging) of receipts, particularly in international trade. If the view is taken that a country's currency is about to depreciate, or to be devalued, then traders of that country, in order to protect themselves against losses, will pay earlier for imports and will delay converting export receipts into the depreciating currency. It has been argued that in the past DEVALUATIONS of currencies were precipitated by a change in the timing of payments, e.g. the devaluation of the pound sterling in 1967.
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<strong>MPN</strong> Master Promissory Note. A common form that allows a student or parent to borrow multiple loans for multiple academic years.
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<strong>Common Manual</strong> A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.
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<strong>School-Based Software (SBS)</strong> Software used by the school to certify loans and generate or load CommonLine files. SBS is often used by schools that do not have a FAMS or for which the FFEL Program module of their FAMS is not used.
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<strong>AL</strong> Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as private loan.
crowding out (E2)<br />An alleged effect on private sector demand of an increase in public expenditure. It was argued, especially by MONETARISTS, that KEYNESIAN - style budget deficits will raise borrowing with the effect of increasing interest rates which will lead to a reduction in private sector investment and expenditure on consumer durables. The stimulative effect of increased government expenditure will be cancelled out by expenditure reductions in the private sector. The reduction in business investment, in the long term, will further reduce the ability of the private sector to spend. The size of this effect depends strongly on the ELASTICITY of IS-LM CURVES. In the figure, although an increase in government expenditure raises the IS curve from IS1 to IS2, because of the INELASTICITY of the LM curve the rate of interest rises from r1 to rz, without an increase in national income. Crowding out may also occur because increased government spending changes private sector expectations about the future of the economy, thereby reducing the amount of investment carried out. & LM &
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<strong>MODEL Direct</strong> A web loan delivery product offered by the MDHE and developed by ASA, the MDHE' s servicer. MODEL Direct allows schools and lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans within a real-time environment. See http://www.dhe.mo.gov/model.shtml for more information.
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<strong>Anticipated Graduation Date (AGD)</strong> The date a student expects to graduate. May also be referred to as the Expected Graduation Date (EGD) or the Anticipated Completion Date (ACD).
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<strong>CB</strong> The abbreviation for Campus-Based aid. Campus-based aid programs include Federal Work Study (FWS), the Federal Perkins Loan Program, and the Federal Supplemental Educational Opportunity Grant (FSEOG). CB also indicates a type of Dear Colleague Letter specifically addressing campus-based aid programs.
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<strong>Grant</strong> Financial aid that does not have to be repaid, such as the Missouri Charles Gallagher Student Financial Assistance Program, administered by the MDHE.
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from choosing the correct strategy when making decisions under UNCERTAINI'Y. Under a MINIMAX strategy, the aim is to minimize the maximum regrets.<br /><em>Reference</em><br />Loomes, G. and Sugden, R. (1982) 'Regret theory: an alternative theory of rational choice under uncertainty', Economic Journal 92: 805-24.
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<strong>Post-Withdrawal Disbursement (PWD)</strong> A disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.
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<strong>MDHE Digest</strong> The Missouri Department of Higher Education' s monthly electronic newsletter. To sign up for this publication, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.
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Club of Rome (04)<br />A group of leading economists and scientists which studied the effects of economic growth from 1968 onwards. Their study of poverty, environmental issues, urbanization, unemployment, inflation and the nature of growth led them to set out the conditions for a global equilibrium in their famous Limits to Growth report.<br /> <br /><em>Reference</em><br />Meadows, D.H., Meadow, D.L., Randers, J. and Behrens, WW III (1972) The Limits to Growth: a Report for the Club of Rome's Project on the Predicament of Mankind, London: Earth Island.
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Economic Community of the countries ofthe Great Lakes (FO)<br />An economic association of Zaire, Rwanda and Burundi set up in 1979 to establish trade agreements.
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hedge ratio (G1)<br />The ratio of the number of OPTION contracts to the position in the underlying instrument being hedged against.
decimalization (E5)<br />A change in the currency of a country so that the basic unit is divisible into ten parts. The French franc and US dollar have been divided into a hundred cents since the eighteenth century and the Australian dollar since 1966. In the UK in 1971 the pound, previously divisible into twenty shillings or 240 pence, was made equivalent to 100 new pence. It is feared that this type of currency change leads to consumers losing their PRICE PERCEPTION and unwittingly accepting price increases. However, the quotation of prices in old and new forms reduces this disguised inflation.
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free good (DO)<br />A good with a zero price. This is possible because its supply is either abundant or rationed. A free good is the opposite of an ECONOMIC GOOD.
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<strong>GB</strong> Graduate borrower, a loan type within CommonLine file specifications used on/after July 1, 2006 to designate a PLUS Loan made to a graduate or professional student as a Grad PLUS Loan. Grad PLUS Loans display within the MDHE' s online product, MODEL Direct, as GB.
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falling rate of profit (D3, 01)<br />The tendency of the rate of profit to fall. SMITH attributed this to a competition of capitals leading to an increase in the WAGE FUND and in real wages with the consequence that profit rates declined. RICARDO noted an inverse relationship between wages and profits so that when population expanded and food prices and wages rose profits fell. MARX predicted that falling profits in a domestic market would encourage capitalists to seek higher profits through investment abroad. Thomas De Quincey (1785-1859) in his Logic of Political Economy (1944) argued that the tendency of the rate of profit is to fluctuate.
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<strong>ESC</strong> Electronic Standards Committee, a committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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ill-being (D6)<br />A state of deprivation evident in low income, poor health and few opportunities for betterment. The opposite of WELL• BEING.<br /> <br /><em>Reference</em><br />Srinivasan, T.N. (1994) 'Destitution: a discourse', Journal of Economic Literature 32: 1842-55.
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exit-voice (DO)<br />A distinction used to classify the physical or verbal methods individuals use to reveal their preferences. 'Voice' can take the form of voting (as in democratic politics) or complaints (as under grievance procedures); 'exit' is movement away from a less desired situation, e.g. a particular employment, region or country. 'Exitvoice' can be applied to collective or individual choice.<br /><em>See also:</em> Tiebout hypothesis <br /><em>Reference</em><br />Hirschman, A.O. (1970) Exit, Voice and Loyalty: Responses to Decline in Firms, Organizations and States, Cambridge MA: Harvard University Press.
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<strong>CPS</strong> Central Processing System, a company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).
<strong>Independent student</strong> A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court
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<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>Last Date of Attendance (LDA)</strong> The last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.
<strong>CPS</strong> Central Processing System, a company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).
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<strong>Code of Federal Regulations (CFR)</strong> 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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New Economic Mechanism (P4)<br />1 Hungarian economic reforms of 1968. Under this mechanism, the planning system was modified by replacing plan directives to a large extent by direct relationships between firms; price determination was more influenced by market forces through the linkage of domestic prices of exports and imports to world market prices and most investment decisions were decentralized.<br /> 2 Soviet economic reforms announced in 1987: changes to prices and wages were proposed in order to increase economic efficiency and improve economic incentives.<br /><em>See also:</em> perestroika
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Leontief technology (03)<br />A technology employing factor inputs as fixed proportions of outputs so that no substitution between inputs is possible in the PRODUCTION FUNCTION.
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