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

random variations (C1)<br />Irregular movements in time series calculated by dividing the original data by the TREND, seasonal variations and CYCLICAL VARIATIONS. random walk theory (G1)<br />A theory concerning successive prices independent of each other in SECURITY or commodity markets which asserts that there are no trends in prices with the consequence that today's prices cannot be used to predict future prices. Bachelier was the first to note this, in 1900, in a study of French commodity markets.<br /><em>See also:</em> chartism <br /><em>Reference</em><br />Cootner, P.H. (ed.) (1964) The Random Character of Stock Market Prices, Cambridge, MA: MIT Press.

<strong>Income-sensitive repayment schedule</strong> – A repayment schedule for some FFEL Program loans under which the borrower' s monthly payment amount is adjusted annually, based solely on the borrower' s expected total monthly gross income received.
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<strong>ELM-NDN</strong> – ELM' s National Disbursing Network (NDN), which provides consolidated disbursement services to schools.

coupon (E4, G1)<br />1 Originally the warrant which had to be presented to obtain interest on a bond.<br /> 2 The nominal rate of interest, e.g. ?5 per ?100 of nominal stock. It is to be distinguished from the bond's YIELD, which will be higher than the coupon if the market price of the bond is lower than its nominal price, and vice versa.
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Bergson, Abram, 1914- (B3)<br />US economist educated at Johns Hopkins and Harvard Universities. After wartime experience from 1942 to 1945 as chief of the Russian Economic Subdivision of the US Office of Strategic Services, he returned to academic life and has been a professor at Harvard since 1956. In 1938, he created the new welfare economics by asserting that a social welfare function can be established by attaching weights to each individual's welfare function: this rejected the earlier CARDINAL UTILITY approach. Also, he introduced the distinction between 'efficiency' and 'equity', applying it to an analysis of the individual income effects of economic change. He has applied his welfare analysis to many areas of economics, including MARKET sociALISM and monopoly. Also, he became a leading US authority on the Soviet economy.<br /> <br /><em>Reference</em><br />Bergson, A. (1964) Economics of Soviet Planning, New Haven, CT: Yale University Press. - (1966) Essays in Normative Economics, Cambridge, :MA: Harvard University Press.<br /> - (1982) Welfare Planning and Employment: Selected Essays in Economic Theory, Cambridge, MA: MIT Press.
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jobs-based analysis (JO)<br />A mixed approach to the study of work, wages and labour markets using a cluster of theories, including TOURNAMENT MODELS, hierarchies, HEDONIC WAGE analysis, job investment, insurance and work sharing.<br /><em>Reference</em><br />Lazear, E.P. (1995) 'A jobs-based analysis of labor markets', American Economic Review 85: 260-5.

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Âñå êèíî ÒÂ. Ïîðòàë îíëàéí-ôèëüìîâ! Ó íàñ âû ìîæåòå ñìîòðåòü íîâûå è ëó÷øèå ôèëüìû è âèäåî îíëàéí, èëè ñêà÷àòü èõ!

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misaligned rate of exchange (F3)<br />An exchange rate which persistently departs from its FUNDAMENTAL EQUILIBRIUM leveL

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shirking model (J3)<br />A model of wage determination that asserts a wage is fixed at a high enough level to ensure that workers do not shirk because they fear that if they were caught they would lose their high incomes. This model takes into account the MORAL HAZARD problem arising from a firm only periodically observing worker effort.<br /><em>Reference</em><br />Shapiro, C. and Stiglitz, J.E. (1984) 'Equilibrium unemployment as a worker discipline device', American Economic Review 74: 433-44.

football pool (Dl)<br />A method of gambling on the outcome of a number of football matches on the same day. The fixed stakes of the punters are accumulated in a fund out of which dividends are paid to those who have successfully predicted the outcome of matches, with most points going to a prediction of teams which score the same number of goals as each other. The balance of the weekly fund is acquired by the pools promoter.
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soft landing (E6)<br />Reaching a desired macroeconomic position for a country painlessly. Usually a landing of this kind makes possible the reduction of inflation without causing a recession.
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<strong>Plain Language Disclosure statement</strong> – Document providing FFEL Program terms and other information in “plain language” (instead of jargon).

Haig-Simons definition of income (D3) Personal income regarded as the sum of the market values of rights expressed in consumption and the change in the value of assets in a given time period.<br /><em>Reference</em><br />Simons, H.C. (1938) Personal Income Taxation: the Definition of Income as a Problem of Fiscal Policy, Chicago: University of Chicago Press.

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<strong>NPRM</strong> – Notice of Proposed Rulemaking, an announcement in the Federal Register of proposed regulations with explanation and a specified period during which public comment is invited.
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financial economy (P1)<br />An ECONOMY using a variety of financial assets and services, other than money, for the purposes of exchange and storing value; a 'post-money' economy.<br /> <br /><em>Reference</em><br />Podolski, T.M. (1986) Financial Innovation and the Money Supply, Oxford: Basil Blackwell.

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kinked demand curve (Ll)<br />A curve shaped like a mansard roof describing the behaviour of non-collusive oligopolists. It is based on the idea that these oligopolists will follow each other in cases of price decreases but not when one of them raises prices. Thus a demand curve results which consists of the joining together of two demand curves - the demand curve of the firm which raises its prices and the industry demand curve. The theory, although suspect empirically, has been used to account for price rigidity in oligopolistic markets. In the figure the demand curve D up to output OK is ELASTIC and so, if a firm raises its price, total revenue will fall; beyond output OK the demand curve of the firm, which is also the industry's demand curve, is inelastic and so a decrease in price will lower total revenue also (AR is average revenue, MR is marginal revenue and MC is marginal cost). <br /><em>Reference</em><br />Hall, R.L. and Hitch, C.L (1939) 'Price theory and business behaviour', Oxford Economic Papers 2: 12-45.<br /> Reid, G.C. (1975) The Kinked Demand Curve Analysis of Oligopoly: Theory and Evidence, Edinburgh: Edinburgh University Press.<br /> Sweezy, P.M. (1939) 'Demand under conditions of oligopoly', Journal of Political Economy 47: 568-73.
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Islamic economics (BO)<br />A study of the economic teachings of Islam and an Islamic critique of modem Western economic theory and policy. Its central themes include the idea that property is to be held in trust for God, that economic activity should have social objectives, that the return to capital should only be a reward for risk taking and that the quality aspects of economic growth should be considered. There is a distinctive Islamic contribution to taxation, comparative economic systems, co-operatives, income distribution, business cycles,
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marginal cost pricing (D4)<br />Setting a price so that it is equal to the marginal cost of producing that good or service. It is justified on the grounds of maximizing social efficiency. In practice, there are difficulties in following this rule.<br /> Deficits can arise for a firm with declining average total costs, and consequently falling marginal costs, as prices, if set equal to marginal costs, would fail to cover fixed costs. However, these can be covered separately - by government subsidy or by a TWOPART TARIFF, part of which would be the 'price of entry' to the market, e.g. a telephone rental can cover fixed costs and the charge for calls marginal costs. Price set equal to margin cost <br /><em>Reference</em><br />Rees, R. (1984) Public Enterprise Economics, ch. 5, London: Weidenfeld & Nicolson.

<strong>GUI</strong> - Graphical User Interface. The MDHE' s FAMOUS system is comprised of three GUis, one for each of the following: 1) postsecondary institutions (PSis), 2) high schools, and 3) the MDHE.

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run on a bank (G2)<br />The simultaneous demands of the deposit holders of a retail bank for their deposits to be paid. As it is difficult for banks to be sufficiently liquid to meet such concerted action against them without sacrificing the more profitable business of making loans, in the nineteenth and twentieth centuries CENTRAL BANKS emerged. They acted as the LENDER OF LAST RESORT to maintain the liquidity of DOMESTIC BANKING SYSTEMS as a whole and increasingly to supervise the operations of commercial banks. DEPOSIT INSURANCE is also a device to reduce bank runs as there is less point in the public demanding the return of its deposits in cash if there is a guarantee that the deposits will not be lost in a bank collapse.<br /><em>See also:</em> financial crisis; financial panic; lifeboat operation

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modern economy (NO, P4)<br />An ECONOMY which has reached an advanced stage of DEVELOPMENT with high per capita incomes, a full range of political and financial institutions, industries using the latest available technology and a large service sector. The shorthand measure of modernity, real GROSS NATIONAL PRODUCT per head, is misleading because countries with different ranges of economic activity have been put on a par, e_g. China with India, Haiti with Mali, France with Libya. Increasingly, the overall level of technological diffusion has been chosen as a better indicator.

<strong>INS</strong> – The U.S. Immigration and Naturalization Service. On March 1, 2003, the INS transitioned into the Department of Home Security (DHS) and was renamed the U.S. Citizenship and Immigration Services (USCIS).

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casualization (J2)<br />The process of changing employment from regular and permanent to occasional and part-time forms. This is done to increase the flexibility of a labour force.

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active fiscal policy (H3, H5)<br />Frequently used discretionary fiscal policy. Using this, a government makes many changes in its spending and taxation, instead of relying on automatic stabilizers, to achieve a desired level of aggregate demand.
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prospect theory (D8)<br />An account of decision making under uncertainty. It states that the value of an alternative or option is the sum of the products of specified outcomes. Each product is calculated by multiplying the utility from x by the weight attached to the objective probability of obtaining x.<br /><em>See also:</em> expected utility <br /><em>Reference</em><br />Kahneman, D. and Tversky, A. (1979)<br />'Prospect theory. An analysis of decision-making under risk', Econometrica XX: 263-91.
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balance of payments equilibrium (F4)<br />A balance within the overall ACCOUNTING BALANCE OF PAYMENTS. The equilibria most frequently examined are in the current account, in the visible trade account or in the current and long-term capital accounts combined. The balance chosen for examination depends on the purpose of the analysis. If the performance of industry is being considered, then the balance of trade will be examined, but the capital accounts merit attention if a foreign exchange market is under scrutiny.

<strong>Award Year (AY)</strong> – The standard federal definition of an award year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Academic Year or Aid Year.)
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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.
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commodity (DO)<br />1 Something, usually physical, which can be bought and sold and is directly measurable. The concept is used extensively in both MARXIAN ECONOMICS and GENERAL EQUILIBRIUM analysis since HICKS. MARX argued that through the exchange process goods lose their use value, becoming 'citizens of the world' and merely the vehicle for merchants to earn SURPLUS VALUE. SRAFFA regarded a commodity as a good or service produced by a unique combination of factor inputs.<br /> 2 A raw material or primary product.

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abstinence (D3)<br />A justification for the payment of interest, first advanced by Nassau SENIOR. An individual who abstains from current consumption is rewarded with interest for adding to the capital stock. Abstinence explains the supply of savings: that supply, together with the demand for capital, forms a theory of the interest rate.<br /> <br /><em>Reference</em><br />Senior, N.W. (1836) An Outline of the Science of Political Economy. Reprinted New York: Augustus M. Kelly, 1965.
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<strong>PLUS Loan for Graduate and Professional Students</strong> – Effective July 1, 2006, PLUS loans may be offered to graduate and professional students. According to CommonLine file specifications, the loan type to be used for Grad PLUS Loans is GB.

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<strong>School Certification Request (SCR) process</strong> – Optional process within CommonLine file specifications whereby a C record type is generated in application send files in response to a borrower-initiated application process. With the SCR process, the application send file is sent to the school for certification after the borrower has completed his/her part of the process, including passing any required credit check.

<strong>Interest</strong> – The charge made to a borrower for use of a lender' s money.
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<strong>ICM</strong> – Integrated Common Manual, a policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.

medium of account (E4)<br />A NUMERAIRE used for quoting prices and valuing the quantities used in accounts. It is usually, but not necessarily, a circulating currency, as in the case of guineas.<br /><em>See also:</em> unit of account

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<strong>ALAS</strong> – Auxiliary Loans to Assist Students. 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.

International Monetary Market (G1)<br />A Chicago-based market established in 1982 for dealing in money futures.

<strong>Package</strong> – Schools award, or “package,” student aid for each year for students. Once the aid is packaged, schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded for 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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