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BDI (J5)<br />Bundesverrand der deutchen Industrie. A major employers' association in Germany founded in 1949 by an amalgamation of thirty-nine national industrial federations. BDI now has separate sections for the sectors of the economy.
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<strong>Task force</strong> – Former name for the State Student Financial Aid Committee. The committee is comprised of Missouri financial aid administrators and was established in February of 2005 to make recommendations to improve and strengthen Missouri' s student financial aid programs.
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<strong>Quality Assurance (QA)</strong> – Any program in business designed to help an office or procedure obtain optimal results. In systems, QA is generally used to describe systems testing prior to releasing new or enhanced software.
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<strong>Online MDHE: A resource for students and their families</strong> – a guide for getting the most out of the MDHE' s Web tools and resources. 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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<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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basic industry (LO)<br />An industry which exports its products to other regions, thus being a major determinant of its own regional prosperity.<br /><em>See also:</em> non-basic industry <br /><em>Reference</em><br />Alexander, J. (1954) 'The basic-non-basic concept of urban economic functions', Economic Geography 30: 246 - 61.

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<strong>Mapping Your Future (MYF) 10 Financial Fitness Tools</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, 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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Second World (P2)<br />CENTRALLY PLANNED ECONOMIES of the SOVIET TYPE. These were chiefly the economies of Eastern Europe from 1948 to 1990.<br /><em>See also:</em> First World; Fourth World; Third World Section
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<strong>Subsidized loan</strong> – A loan eligible for federal interest benefits. The federal government pays the interest that accrues on subsidized Federal Stafford Loans during the student' s in-school, grace, and authorized deferment periods.
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<strong>Mapping Your Future (MYF) Online Stafford Entrance Counseling Leaflet</strong> – A guide for completing entrance counseling online through Mapping Your Future. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml

economy is in overall balance. The leading MARGINALIST WALRAS was the first economist to set out the conditions for general equilibrium. Today, the basic questions about a general equilibrium always include whether the solution proposed exists, whether it is unique and whether it is stable. General equilibrium analysis has the advantage of being flexible enough to be able to incorporate many goals and resources in a modeL It is contrasted with MARSHALL'S PARTIAL EQUILIBRIUM ANALYSIS and is a half-way house between microeconomics and macroeconomics.<br /><em>See also:</em> Arrow-Debreu model <br /><em>Reference</em><br />Allingham, M. (1975) General Equilibrium, New York: Wiley; London: Macmillan. Kornai, J. (1971) Anti-Equilibrium and the Tasks of Research, Amsterdam: NorthHolland.<br /> Weintraub, E.R. (1974) General Equilibrium Theory, London and Basingstoke: Macmillan.
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bubble (D4, G1)<br />1 An unsustainable rise in an asset price.<br /> 2 A speculative venture. Famous bubbles include the Dutch tulip mania of 162537 and the South Sea Bubble in England of 1720. Unless there are an infinite number of traders, a bubble is irrational in nature.<br /><em>Reference</em><br />Blanchard, 0. L and Watson, M.W (1982)<br />'Bubbles, rational expectations and financial markets', in P. Wachtel (ed.)<br />Crises in the Economic and Financial Structure, Lexington, MA: Lexington Books.<br /> Carswell, J. (1960) The South Sea Bubble, London: Cresset Press.<br /> Kindleberger, C. (1978) Manias, Panics and Crashes, New York: Basic Books; London: Macmillan.

banking (G2)<br />Money changing originally; after the Church permitted the charging of interest, primarily money lending. Banks began producing money by issuing banknotes and then expanded credit by creating bank deposits, which became the major part of the broadly defined money supply. The power to create credit made banks key institutions in modem economies, influencing the level of economic activity.<br /> In the twentieth century banks increased in size through mergers and joint operations (e.g. in the UK through mergers in the 1920s and 1960s, and in the USA through the growth of bank holding companies), through internationalization of their operations and by an extension of the range of their services. In a sense, every major commercial bank of today aims to be a financial conglomerate supplying every form of credit, financial advice and service.<br /><em>See also:</em> branch banking; domestic banking system; fractional reserve banking; free banking; investment banking; Islamic banking; laser banking; merchant bank; offshore banking; unit banking; usury<br /><em>Reference</em><br />Lewis, M.K. and Davis, K.T. (1987) Domestic and International Banking, Deddington: Philip Allan.
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<strong>P</strong> – Type of Dear Colleague Letter providing information about Pell Grants.

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<strong>NCAA</strong> – National Collegiate Athletic Association.

clearing house (G2)<br />The financial institution which settles the mutual indebtedness of commercial banks by clearing cheques. A bank with a net debt after the clearing to another bank will settle by drawing a cheque on its deposits with the central bank
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zero-rated good (H2)<br />A good not subject to VALUE•ADDED TAX. Exemptions from value-added tax vary from country to country but the principal items excluded in some countries have been food, clothing and educational materials.
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borrow from the US Treasury. By 1987 it had run out of funds to reimburse depositors and needed to be recapitalized by the savings bank industry. The higher deposit insurance premiums charged by the Federal Saving and Loan Insurance Corporation caused many thrifts to change to the FEDERAL DEPOSIT INSURANCE CORPORATION scheme.<br /><em>See also:</em> Resolution Trust Corporation
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<strong>Need analysis</strong> – A standardized assessment of the ability of a student and family to contribute toward educational expenses. The need analysis formula currently used when students complete the FAFSA is referred to as Federal Methodology.
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

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<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.
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<strong>DHS</strong> – Department of Homeland Security. On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS). At that time, the INS was renamed the U.S. Citizenship and Immigration Services (USCIS).

<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.

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