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<strong>RSMo</strong> – Revised Statutes of Missouri, the document authorizing the Missouri state student aid programs and designating the MDHE as the administrative body for the FFELP and the state aid programs. The revised statutes are available on the General Assembly' s website at www.moga.mo.gov/statutesearch/, and the MDHE may be found in Chapter 173.

<strong>DCL</strong> – Dear Colleague Letter, a communication from the U.S. Department of Education that explains, clarifies, or provides guidance regarding federal regulations and statutes.
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<strong>PIN</strong> – Personal Identification Number.

<strong>MOREnet</strong> – Missouri Research and Education Network. Provides networking capabilities and internet access for colleges and universities, elementary and secondary schools, state agencies, libraries, and community networks.
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agent bank (G2)<br />A bank which arranges with a consortium of banks a credit facility for a borrower.

<strong>Recall (of a claim)</strong> – A lender request to a guarantor to return a default claim that has already been filed but has not yet been paid because the claim no longer qualifies for default.

<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.

fixed rates to variable rates for lending. To assess a domestic banking system a commonly used indicator is the trend in the prices of the stocks and shares of issued bank securities as these reflect investors' confidence.<br /><em>See also:</em> banking; derivative domestic system (D2)<br />A primitive form of production in which MERCHANT CAPITALISTS advance capital to self-employed craftworkers and artisans who, using their own simple tools, make a product. Before the Industrial Revolution in Great Britain, the textile industry was organized in this way.<br /><em>Reference</em><br />Lewis, M.K. and Davis, K.T. (1981) Domestic and International Banking, Cambridge, MA: MIT Press; Hemet Hempstead: Philip Alan.<br /> See also: advanced organic Asiatic mode of production; dustry; homework
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<strong>CommonLine (CL)</strong> – The FFEL Program industry' s standards by which loan and borrower information is electronically gathered, stored, and transmitted via a flat file. CommonLine file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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cost of living adjustment (J3)<br />A provision in a US labour contract providing for automatic wage increases in line with rises in the CONSUMER PRICE INDEX. Usually abbreviated to COLA.

<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.
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holism (P4)<br />1 A theory of the universe as an interacting whole.<br /> 2 The opposite of atomism.<br /> 3 The simultaneous consideration of all parts of a system.
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coconut model (E1)<br />A model of a tropical island in which there is a taboo against eating the coconuts one has picked so there has to be a trade of nuts for nuts before consumption can occur. The ability to trade depends on the number of potential trading partners. There is no mechanism to ensure forecasts of the time to complete a trade. This model reflects the modern reality of producers consuming little of what they produce.<br /><em>See also:</em> Robinson Crusoe economy <br /><em>Reference</em><br />Diamond, P.A. (1982) 'Aggregate demand in search equilibrium', Journal of Political Economy 90: 881-94.
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mezzanine finance (G2, M2)<br />An unsecured loan, often used to finance a MANAGEMENT BUYOUT, which ranks after secured loans but before equity in the event of a liquidation of a company. The interest charged on these loans is higher than for secured loans and linked equity is often given to the lender. This form of finance is used to supplement other sources to effect management buyouts.

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resident population (Jl) see de jure population

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<strong>DE</strong> – U.S. Department of Education, which may also be referred to as ED, USDE, or simply the Department.
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flotation (Gl)<br />The market debut of a company when its shares are offered to the public for the first time. The motives for a flotation include the desire of the original owners to reduce their financial stake in that company as well as the wish to obtain more finance.
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asset sweating (M2)<br />Raising bank finance on the security of the property owned by a company. Sweating can also be effected by SECURITIZATION of the property.
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<strong>PWD</strong> – Post-Withdrawal Disbursement, a disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.

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feminist economics (D1)<br />The economic analysis of women's issues, especially the economics of the family, participation in the labour market and welfare benefits. It is usually assumed that women are oppressed according to INTERPERSONAL UTILITY COMPARISONS and ought to be compensated. The concepts of scarcity, selfishness and competition are the main ideas that feminist economists seek to challenge.<br /><em>See also:</em> female economists
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neighbourhood effect (QO)<br />An EXTERNALITY, or spillover effect, which has a spatial impact. Industrial pollution provides many examples of costly effects; beautiful buildings and gardens mcrease the welfare of nearby residents.

limited general competitive bidding (D4)<br />A form of competition limited to those who have stated qualifications.

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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.
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<strong>LTH</strong> – Less than half time, an enrollment status indicating the student is carrying less than a half-time academic workload, as determined by the school. Students who are less than half time are not eligible to borrow FFEL Program loans.
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Society for Worldwide Interbank Financial Telecommunications (G2)<br />A private network established in 1973 in Brussels and operational from 1977 by European banks for the transfer of funds; by 1988 this financial information service had been extended to Asia, Australia and Latin America.

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