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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,
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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.
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inflation targeting (E5)<br />Setting as the goal for a CENTRAL BANK the achievement of price inflation at or below a prescribed rate. New Zealand in 1990 was the first to adopt this policy; Canada, the UK, Sweden and Australia were next to adopt targeting. In the USA the FEDERAL RESERVE under the EMPLOYMENT ACT 1946 has a broader remit which includes both economic growth and the control of inflation.<br /><em>See also:</em> Monetary Policy Committee (UK)

overnight money (E4)<br />Short loans of one to three days' duration by banks to the money market. In London this is the major source of finance of the DlSCOUNf HOUSES.
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right-to-work state (J5)<br />US state which has made it illegal to require a worker to join a us LABOR UNION. Most of these twenty states are in the South.<br /> ringfencing (H5) see earmarking

free market (D4)<br />A market in which buyers and sellers are free to contract on whatever terms they wish without governmental interference.

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development (01, 04)<br />1 The movement of an economy from agricultural activities using simple technology to the production of industrial products and a range of services using modern technology. (Even in the seventeenth century PETTY regarded development as the growth of serv1ce industries.)<br />2 The cumulative growth of per capita income, accompanied by structural and institutional changes. Although per capita income is a crude measure unless problems of measuring the GRoss DOMESTIC PRODUCT and its distribution are taken into account, this is often the best proxy measure. Post-1945 development policies have often failed to help the poorest 40 per cent of the world's population. Although many aid programmes have an urban bias, they have widely achieved lower rates of infant mortality, more hospital beds, an increased supply of piped water and the building of many all-season roads.<br /><em>See also:</em> industrialization <br /><em>Reference</em><br />Kitching, G. (1989) Development and Underdevelopment in Historical Perspective.
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<strong>Release of proceeds</strong> – Delivery of loan proceeds by the school to the borrower. (Note: This term is NOT equivalent to the lender' s process of disbursing funds to the school.)

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<strong>Enrollment status</strong> – The status indicating whether a student is enrolled full time (FT), half time (HT), or less than half time (LTH). Other enrollment statuses may include an approved leave of absence (LOA), never enrolled (X), graduated (G), withdrawn (W), or deceased.
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firm (L2)<br />1 The basic unit for orgamzmg production which performs the crucial role of linking product, factor and money markets.<br /> 2 An administrative organization utilizing a pool of resources.<br /> 3 A business organization under a single management with one or more ESTABLISHMENTS.

<strong>American Student Assistance (ASA)</strong> – the MDHE' s servicer for FFEL Program loans.
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<strong>ACT</strong> – American College Testing, a college assessment test administered by ACT, Inc.
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auto-economy (GO)<br />That part of an economy, according to HICKS, which finances itself from its own stock of liquid assets.<br /> <br /><em>Reference</em><br />Hicks, J. (1974) The Crisis in Keynesian Economics, ch. 2, Oxford: Basil BlackwelL

<strong>Termination</strong> – withdrawal of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs.

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<strong>Permanent resident of the United States</strong> – A person who meets certain requirements of the U.S. Citizenship and Immigration Services (USCIS), a division of the Department of Homeland Security (DHS). (Formerly known as the INS. On March 1, 2003, the INS transitioned into the DHS and was renamed the USCIS.)
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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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indexation (M2)<br />An adjustment clause in contracts to maintain the real value of the items central to the contract. Clauses of this kind are much used in building contracts, labour contracts (often used in the USA and Israel) and for government bonds (e.g. in France and the UK in the 1980s to attract savers). As indexation accepts and institutionalizes inflation, it has attracted much criticism.<br /><em>See also:</em> cost of living adjustment; escalator clause <br /><em>Reference</em><br />Dornbusch, R., Sinionsen, M.H. and Vargas, FG. (1983) Inflation, Debt and Indexation, Cambridge, MA: MIT Press.

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histogram (C1)<br />A method of presenting a FREQUENCY ms. TRIBUTION graphically in a number of rectangles varying in size according to the number of observations in each class; see the figure.
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optimum population (Jl)<br />An ideal-sized population that maximizes output per head. As this is not the maximum-sized population that a country can support, the population can exceed such an optimum. Critics of this concept have noted that there is no consensus support-
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<strong>NASFAA</strong> – National Association of Student Financial Aid Administrators.

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<strong>Common Manual</strong> – A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.

market space (M3)<br />The total amount of customer spending with a particular company. It depends on the proportion of a customer's income available to the company and on the range of products the customer is willing to buy.<br /><em>See also:</em> market share

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Federal Cartel Office (L4)<br />US agency engaged in monitoring mergers, thus making a major contribution to the running of US ANTITRUST policy.

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