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artificial currency (F3)<br />A currency unit used either as a common unit of account for international transactions or as an international reserve asset. Principal examples of these are SPECIAL DRAWING RIGHTS, EUROPEAN CURRENCY UNITS, EUROPEAN UNITS OF AccouNT and, in general, baskets of currencies. Such currencies are very useful for international accounting in times of volatile exchange rates.<br /><em>See also:</em> gold franc
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collective bargaining (J5)<br />Negotiations between a TRADE (LABOR) UNION and a single employer or EMPLOYERS' ASSOCIATION over pay, working conditions and other employment matters. It can only be genuine if the parties are free to initiate discussions and reach a settlement: under INCOMES POLICIES, and in countries where trade unions have little independence from the state, this is not possible. It is usually bilateral, but sometimes other interested parties are at the bargaining table, e.g. in some US teachers' negotiations where parents are represented. It can take place at different levels - national, industrial, the firm or workplace. The level at which
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<strong>Cohort Default Rate (CDR)</strong> – As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.
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