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<strong>FT</strong> – Full Time, an enrollment status indicating the student is carrying a full academic workload as determined by the school.

Cambridge controversies (D3, EO) Disputes between economists in Cambridge, England (ROBlNSON and KALDoR), and Cambridge, Massach usetts ( soww and SAMUELSON), about the nature of CAPITAL. In particular, the English contestants attacked the neoclassical assumptions of their transa tlantic opponents by questioning the existence of the aggregate PRODUCTION FUNCTION. Also, they debated the theory of profits and capital, the determination of savings and the interest rate, aggregate capital and the re-switching of techniques.<br /> <br /><em>Reference</em><br />Blaug, M. (1975) The Cambridge Revolution: Success or Failure?, rev. edn, London: Institute of Economic Affairs.<br /> Harcourt, G.C. (1972) Some Cambridge Controversies in the Theory of Capital, Cambridge: Cambridge University Press.

<strong>Free Application for Federal Student Aid (FAFSA)</strong> – The form the student must complete to apply for federal Title IV financial assistance. The FAFSA may also be completed on the web at the following url: http://www.fafsa.ed.gov/.
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<strong>Midwest Student Exchange Program (MSEP)</strong> – This program ensures reduced tuition rates to Missouri residents who enroll in designated academic programs at participating schools in Kansas, Michigan, Minnesota, Nebraska, North Dakota, and Wisconsin. (Residents of those states may enroll in designated academic programs at participating Missouri schools.) More information is available at: http://www.mhec.org/.
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differentiated marketing (M3)<br />A marketing strategy with separate marketing programmes for each product of a firm.
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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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Computer-assisted Trading System (G2) Toronto-based securities trading system, the first of its type to receive orders from abroad electronically and to direct them immediately to its trading floor.<br /><em>See also:</em> Stock Exchange Automated Quotation System
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<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.

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gold reserves (E5)<br />Gold holdings of a CENTRAL BANK used only for transactions with other central banks. The amount of gold reserves in the world at any time is equal to the amount produced less the private demand for jewellery, dentistry and hoarding, together with past accumulations.<br /><em>See also:</em> gold bullion standard
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high employment surplus (H6)<br />An estimate of the excess of tax revenues over government expenditures at a FULLEMPLOYMENT level of NATIONAL INCOME. This is used as a yardstick of a government's FISCAL STANCE.<br /><em>See also:</em> structural deficit
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industrial union (J5)<br />A TRADE (LABOR) UNION which is the sole organizer of labour in a particular industry. Germany has sixteen industrial unions to organize its labour force. Many have suggested a similar structure for UK unions (who had recommended industrial unionism to the Federal Republic of West Germany) but have stumbled on the major obstacle to such change - the dismemberment of powerful GENERAL UNIONS.<br /><em>See also:</em> craft union; enterprise union

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social cost of monopoly (D6)<br />The welfare losses resulting from the restriction of output and higher prices under monopolistic production. There is also the social cost that occurs through striving to attain a monopoly position.<br /><em>See also:</em> externality
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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>Financial Assistance and Outreach Group</strong> – The division within the MDHE that administers Missouri' s state aid programs, such as the Charles Gallagher Student Financial Assistance Program.
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<strong>Repayment schedule</strong> – The legal addendum to the promissory note stating the terms of repayment and fulfilling disclosure requirements. The repayment schedule includes the total principal and interest due, the regular installment amount due, and the number of installments required to pay the loan in full. It also includes the interest rate, the due date for the first payment, and the frequency of installments.

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Arrow-Debreu model (D5)<br />An economic theory concerned with establishing the existence of an equilibrium for an integrated model of production, exchange and consumption. The two theorems produced by the authors were that (1) a competitive equilibrium exists if every individual has initially some positive quantity of every commodity available for sale and (2) there are individuals capable of supplying a positive amount of at least one type of labour with positive usefulness in the production of desired commodities.<br /><em>See also:</em> general equilibrium <br /><em>Reference</em><br />Arrow, K.J. and Debreu, G. (1954) 'The existence of an equilibrium for a competitive economy', Econometrica 22: 265-90.
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environmental tax (Q2)<br />A tax on a polluter related to the external costs of private production.<br /><em>See also:</em> effluent fee

atomistic competition (Ll)<br />Similar to PERFECT COMPETITION in that there are a large number of buyers and sellers, each with no significant influence on the market, behaving like atoms - very small but with a joint importance. This view of competition is based on an individualistic view of economic activity.

it had the task of managing existing government shareholdings in major firms, especially British Leyland and Rolls Royce, helping small firms and allocating grants under REGIONAL POLICY. In 1980, the Conservative government considerably reduced its role by selling off many of its investments and by cutting its annual funds.

executive leasing (G2)<br />The offering of management services by experienced mid-career managers for short periods, usually for less than a year. Leasing is attractive to companies when a particular type of skill is needed either to cope with an unusual task, e.g. organizing a merger, or during an interregnum until a permanent executive is appointed.
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<strong>Estimated need cutoff</strong> – The estimated need amount that students must demonstrate to qualify for the Gallagher and College Guarantee programs. The MDHE estimates the need cutoff each spring; the actual need cutoff is determined immediately prior to setting spending authority in FAMOUS.
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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.

fiscal drag (H3)<br />1 The reduction in personal disposable income resulting from tax rates not

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years after her successful Conversations on Chemistry, anticipated some of RICARDo's ideas and was praised by both him and SAY. Her Stern summary of CLASSICAL ECONOMICS takes the form of conversations between Mrs B and Caroline on twentyone topics, including property, division of labour, capital, wages, population, the condition of the poor, revenue from factors of production, value, money, foreign trade and expenditure. Caroline is encouraged to study economics as 'you will seldom hear a conversation amongst liberal-minded putational experience in applying this principle has increasingly dealt with the problems of fixed costs, complex production and distribution systems and changes in demand and technology. Critics of this type of pricing remain concerned about its MONOPOLY and lNCOME DISTRIBUTION effects. <br /><em>See also:</em> female economists

coefficient of correlation (C1)<br />Referred to as r by statisticians and used as a measure of the interrelatedness of two variables. This coefficient is measured by the formula & :L {x y )
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factor tax (H2)<br />A tax levied on a particular income-earning FACTOR OF PRODUCTION. Taxes on capital, taxes on residential and commercial property and taxes on employment are important examples.

of taxation matches the amount of PUBLIC Gooos received by each taxpayer. The principle was first enunciated by Thomas Hobbes (1588-1679), Hugo Grotius (1583-1645) and John Locke (1632-1704). In essence taxpayers and a government exchange taxes for services. Since public goods are collectively provided and taxes are individually paid, a taxation system on this basis will always be criticized. For example, it would be difficult to allocate charges for the maintenance of external defence to individuals in proportion to their consumption. Until governments know more of the preferences of taxpayers it will be impossible to apply the principle exactly.
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