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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.

1844; many producer co-operatives were founded in the USA and the UK in the last quarter of the nineteenth century. Unfair business competltwn, especially the withholding of supplies, destroyed many of the US co-operatives, but some of the UK co-operatives founded then still survive in printing, clothing and footwear manufacture. Self-management of Yugoslav enterprises and the large workers' cooperatives at Mondragon (in the Basque region of Spain) attracted much attention. All these enterprises have had to face the problems of underinvestment (as producer members often prefer present wages to future profits), low PRODucrrvrTY and a lack of managerial experience. But poor performance has not been universal, as Mondragon shows.<br /><em>See also:</em> industrial democracy; workers' participation <br /><em>Reference</em><br /> Ireland, N.J. and Law, P.J. (1982) The Economics of Labour-Managed Enterprises, London: Croom Helm.<br /> Vanek, J. (1970) The General Theory of Labour-Managed Market Economies, Ithaca, NY: Cornell University Press.

blackboard trading (G1)<br />A method of trading in small quantities which involves buyers writing their bids on one side of the blackboard and sellers their offers on the other side. When a deal is agreed, it is recorded on the sales panel as a binding future contract. The Chicago Mercantile Exchange deals this way in agricultural commodities. Under heavy trading, this method is abandoned.
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<strong>Financial Aid Management System (FAMS)</strong> – Software used by the school to administer all aspects and types of financial aid. FAMS products include Datatel' s product Colleague, PeopleSoft, SCT' s product Banner, the College Board' s product PowerFAIDS, and many others.
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grant-back clause (00)<br />The right in a contract granting the owner of a patent the right to all improvements and modifications in the technology discovered by the licensee. In the European Union the licensee grants back the right to the licensor of the use of these modifications in another place. In some countries the licensor owns the modifications as intellectual property.
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<strong>Third-party servicer</strong> – In the case of a lender or guarantor, an entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program.

<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.
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job generation (J6)<br />The expansion of employment in either the public or private sector. In the former, regional and other policies are used to create jobs; in the latter, new jobs are preceded by an expansion in a market.

<strong>SSN</strong> – Social Security Number.
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European Bank for Reconstruction and Development (G2)<br />The development bank founded in 1991 and based in London which lends to the East European countries in order to ease their transition from centrally planned to market economies. Its capital was raised from EUROPEAN COMMUNITY institutions and forty-one countries. Its lending policy is to make 40 per cent of its loans for infra- structure investment and 60 per cent for private sector commercial investment.
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<strong>CBO</strong> – Congressional Budget Office.

Goods and services accounts Production account Generation of income account Distribution of income account Use of income account Capital account Financial account.
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