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Lautro (G2)<br />Life Assurance and Unit Trusts Regulatory Organization, a London-based SELFREGULATORY ORGANIZATION. One of its earliest policies, in 1987, was to recommend a cut in the commission of independent agents on the sale of life bonds from 5.2 per cent to 3 per cent over a four-year period, harmonizing the commission with the rate for the sale of UNITTRusrs.<br /><em>See also:</em> Financial Services Act 1986
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M I (E4)<br />Non-interest-bearing components of the wide monetary base plus private sector non-interest-bearing sterling sight bank deposits (UK). Currency outside the Treasury, Federal Reserve Banks and vaults of depository institutions plus travellers' checks of non-bank issuers plus demand deposits of all commercial banks plus OTHER CHECKABLE DEPOSITS (USA).
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Barnett formula (H7)<br />A method of calculating UK public expenditure for the component coun tries of the UK introduced by Joel Barnett, Chief Secretary to the Treasury, in 1978. It was intended to bring about convergence in per capita spending but when it failed to do so was criticized for being too generous to Scotland.

credit tranche facility (F3)<br />An INTERNATIONAL MONETARY FUND lending facility to help a member country deal

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<strong>Federal Fiscal Year (FFY)</strong> – The period of October 1st through September 30th.
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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.

interest rate risk (G1)<br />The RISK to a borrower of the lender increasing the interest rate on a loan.
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Bauer, Peter Thomas, 1915- (B3)<br />A prominent development economist born in Budapest, Hungary, and professor at the London School of Economics 196083. He was created a life peer on retirement. After early field work in Malaysia and West Africa, he progressed to a general study of economic development, emphasizing the superiority of markets as a method of allocation: he has long been a trenchant critic of many forms of economic aid and central economic planning and is therefore opposed to barriers to trade, investment and migration.<br /> <br /><em>Reference</em><br />Bauer, PT. (1948) The Rubber Industry, Cambridge, MA: Harvard University Press.<br /> - (1954) West African Trade, Cambridge: Cambridge University Press.<br /> - (1957) Economic Analysis and Policy in Underdeveloped Countries, Durham, NC: Duke University Press.<br /> - (1971) Dissent on Development Studies and Debates in Development Eco-

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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.” )

apprenticeship (J2)<br />A period of training in a firm which enables a trainee to learn a craft under the supervision of a skilled worker. The trade to trade and country to country.<br /> Adam SMITH noted that in ancient times the period was commonly seven years, even in universities for studying for a Master of Arts degree. Apprenticeships have long provided technological education and transmitted sophisticated manual skills from one generation to another. But critics have viewed them as a union restrictive practice for they have been used to limit the number in a trade, and hence to increase average earnings. Recurrent skilled labour shortages in engineering have been attributed to the system.
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first best economy (PO)<br />An abstract model of a real economy in which resources are allocated according to the rules of PARETO OPTIMALITY.
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export subsidy (F1, H2)<br />A reduction in the cost of exports brought about by a government grant. There can be reductions in the costs of labour, of capital or of export financing, as well as more favourable tax treatment. SMITH referred to such subsidies as 'bounties'.
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index-linked gilt (E5, G2)<br />A government bond with a link between a price index and the bond's capital value and yield. These GILTS, popular in times of inflation, are attractive to unadventurous investors desirous of a low-risk portfolio and steady real income. Finland introduced these gilts in 1947, France in the 1950s and the UK in 1975. index number (C1)<br />A device for measuring changes in an economic variable, especially NATIONAL INcoME or prices, over a period of time. The value of the variable in the initial year (the 'base' year) is set equal to 100 and the value for each subsequent year is calculated as a percentage of it. To calculate quantity changes, e.g. in the GROSS DOMESTIC PRODUCT, the components of the GDP are weighted by the prices of each item; to calculate price changes, quantity weights reflecting the relative amounts consumed or produced are used. The best known indices are those of Laspeyres and Paasche. Before mvoNs and others constructed index numbers in the 1860s, there was little accurate knowledge of the precise degree of inflation in industrialized economies, and there was often a confusion between the causes and amount of INFLATION.<br /><em>Reference</em><br />Allen, R.G.D. (1975) Index Numbers in Theory and Practice, London: Macmillan. Stuve!, G.(1989) The Index-Number Problem and its Solution, London: Macmillan.

objectives of firms (L2)<br />What a FIRM has as its a1m or target. PROFIT MAXIMIZATION is assumed in many theories of the firm to be the central aim of a firm but research since the 1930s has noted that managers have many other objectives, partly because they are not shareholders directly rewarded in proportion to a firm's profitability. Objectives replacing profit maximization include sales maximization, maintaining (or increasing) a market share and achieving a target rate of return on capital employed. See also: managerial models of the firm; theory of the firm

social time preference rate (D9)<br />The rate at which society trades consumption of one time period with consumption of another. A positive rate means that the present is preferred to the future. Although the market rate of interest has been used as a proxy for this rate, it is not in all cases suitable. There is a variety of markets and rates according to the term and the purpose of the loan. The preferences of persons, including children, who neither borrow nor lend at interest are ignored. Market rates can be pushed up by the monopoly power of banks and by the risk of non-repayment. The shorter life expectancies and time horizons of the poor, especially in less developed countries, limit the usefulness of this concept.

<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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holders offer mortgage loans for the purchase or building of houses.<br /><em>See also:</em> building society; savings and loan association

Center for International Studies (FO) Founded in 1951 at the Massachusetts Institute of Technology.

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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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the collapse of capitalism and the increasing IMMISERAT!ON of the working class. Marx realized that the TRANSFORMATION PROBLEM was a major challenge to his value and price theories: devotees since his death have tried to solve it but their proposed solutions usually require so many restrictive assumptions as to make their results trivial. Whatever may have been his defects as an economic theorist, his influence has been massive with thousands of academic disciples throughout the world determined to study economics in a sociological and ideological context.<br /> <br /><em>Reference</em><br />Elster, J. (ed.) (1986) Karl Mar x: A Reader, Cambridge: Cambridge University Press. Freedman, R. (ed.) (1962) Marx on Economics, Harmondsworth: Penguin. Junankar, P.N. (1982) Marx's Economics, Oxford: Philip Allan.<br /> McLellan, D. (1973) Karl Marx: His Life and Thought, London: Macmillan.<br /> Wheen, F. (2000) Karl Marx, London: Fourth Estate.
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<strong>Application</strong> – 1) The paper form or the information provided online/electronically to initiate a FFEL Program loan. Electronic versions of the application include MODEL Direct, CommonLine application send files, etc. 2) An eligibility determination for the state student assistance programs administered by the MDHE.

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Colbertism (H2, L5, N4, N6) Government intervention in industry, named after the French MERCANTILIST Jean Baptiste Colbert (1619-83) who successfully reformed the French economy after 1649. In France, the home of Colbertism, the government's ability to subsidize industry and follow protectionist policies has been limited since entry to the European Economic Community in 1958.<br /> See also: dirigisme

<strong>Application</strong> – 1) The paper form or the information provided online/electronically to initiate a FFEL Program loan. Electronic versions of the application include MODEL Direct, CommonLine application send files, etc. 2) An eligibility determination for the state student assistance programs administered by the MDHE.

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inter-industry trade (F1)<br />Trade in different goods and services between different industries, e.g. the exchange of agricultural products for machines. Trade of this kind occurs most often between ECONOMIES at different stages of development, especially between countries of the FIRST and THIRD WORLDS. Increasingly trade between developed countries, e.g. within the OECD, has become INTRA-INDUSTRY TRADE. Within a national economy, inter-industry trade flows are shown in an INPUT OUTPUT ANALYSIS.

<strong>SMTP</strong> – Simple Mail Transfer Protocol, a syntax for text messages sent from one computer to another using email.

<strong>Cost of Attendance (COA)</strong> – An estimate of a student' s total education-related expenses for an enrollment period.
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<strong>Financial Aid Noon Group (FANG)</strong> – Mid-Missouri' s group of financial aid officers, normally meeting several times a year in Columbia.
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competition policy (L4)<br />The set of statutory measures of a country, or of the EUROPEAN COMMUNITY, which attempt to control dominant monopolies, RESTRICTfVE PRACTICES and ANTI-COMPETITfVE PRACTICES, to monitor mergers and to protect consumers.<br /> In the UK, this policy was gradually developed from 1948. The Monopolies and Restrictive Practices (Inquiry and Control) Act 1948 permitted the Board of Trade to refer to the newly constituted Monopolies and Restrictive Practices Commission 'monopoly situations' where one-third of the supply of goods was supplied by one firm, or two or more interconnected firms, in order to ascertain whether that situation was against the 'public interest', which was regarded as the promotion of efficiency, the suitable pricing of goods for domestic and foreign markets and technical progress. The commission's report on 'Collective discrimination' recommended the separate and judicial investigation of restrictive practices. The Restrictive Trade Practices Act 1956 set up a register of permitted restrictive agreements and a Restrictive Practices Court to ascertain whether it was right to regard an agreement as against the public interest. The legislation was also extended in 1964 by the Resale Prices Act to cover individual enforcement of RESALE PRICE MAINTENANCE. References to the renamed Monopolies and Mergers Commission were possible under the Monopolies and Mergers Act 1965 where a monopoly situation was strengthened or the value of assets taken over was in excess of ?5 million. The investigation of firms supplying services was another concern of the 1965 Act. Further legislation on restrictive practices in the 1968 Restrictive Trade Practices Act brought INFORMATION AGREEMENTS within the ambit of the Restrictive Practices Court. The Fair Trading Act 1973 set up the office of Director-General of Fair Trading with wide powers to investigate and refer to the Monopolies and Mergers Commission. The monopoly situations which could be investigated included those with only a quarter of the market, not only nationally, but also in
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<strong>Rescheduling a disbursement</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. Within CommonLine 4 files, this transaction is referred to as a disbursement date change and is located within the @1-09 record.

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extended fund facility (F3)<br />A type of INTERNATIONAL MONETARY FUND loan introduced in 1974 which is granted to a country which agrees to an economic adjustment programme over a three-year period. Repayment begins fom and a half years after the loan is granted and is extended over a six-year period. The facility was used to the extent of about $100 million annually in the 1970s, and by the mid-1980s had risen to over $2 billion per year. It can be used in conjunction with a SUPPLEMENTARY FINANCING FACILITY.
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<strong>Meteor</strong> – Financial aid database providing information on students and their aid awards for FFEL Program loans, Pell Grants, state scholarships and grants, and other sources of aid. Also referred to as Meteor Network or Meteor Project.
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<strong>Administrative forbearance</strong> – A temporary suspension, reduction, or time extension for making principal and/or interest payments on a FFEL Program loan. During any period of forbearance, interest continues to accrue on the loan.

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