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<strong>SLAP</strong> – St. Louis area group of financial aid professionals.

elasticity of a factor of production (DO) The proportionate change in output caused by a proportionate increase in the input of one factor of production, holding the other factors constant.

contractual savings (E2, G2)<br />Savings made under a contract that specifies regular payments into a fund over a minimum time period. The advantage to pension funds and life assurance companies of savings of this type is that they make possible long-term institutional mvestments, e.g. in real estate.

functional financing (H5)<br />A framework for public finance policies proposed by Lerner which would require the government to use every policy instrument available to contribute to the prevention of inflation and deflation and the promotion of the general interest, rather than following traditional goals of governments such as balancing the budget.<br /><em>Reference</em><br />Lerner, A.P. (1943) 'Functional finance and the Federal debt', Social Research 10 (February): 38-51.

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<strong>CTSF</strong> – Change Transaction Send File, the CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).
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difference equation (C6)<br />An equation relating a variable measured at one time to variables measured at previous times. This mathematical device is much used in DYNAMIC ECONOMICS, e.g. in the case of a coBWEB the quantity supplied in year t + 1 is a function of the price in year 1. Difference equations can be linear or non-linear, homogeneous or non-homogeneous, of first or second order.<br /> <br /><em>Reference</em><br />Goldberg, S. (1958) Introduction to Differ- ence Equations, New York: Wiley.

<strong>DR</strong> – Disbursement Roster, the electronic file or paper report listing all disbursements and related information for each borrower.
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running broker (Fl)<br />A London money market broker who 'runs a book' recording sales and purchases of short-term monetary assets.

<strong>Student Aid Report (SAR)</strong> – The paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

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MERCANTILIST thinking and was later practised in the 1930s by many countries. First predominantly agricultural economies adopted it; later it was adopted by the UK, USA, France, the Netherlands and Switzerland. After 1945, currency devaluations have embodied this principle. A policy of this type has always been criticized because of its self-defeating character: domestic industries can ignore foreign competition so become more inefficient and export industries facing retaliation have a reduced output and consequentially higher unit costs which make them even more uncompetitive in world markets.<br /><em>See also:</em> General Agreement on Tariffs and Trade; Smoot-Hawley Tariff Act 1930

Senior, Nassau William, 1790-1864 (B3) Leading CLASSICAL ECONOMIST educated at Magdalen College, Oxford, and Lincoln's Inn where he was called to the Bar in 1819. His first literary work as a reviewer for the Quarterly Review included commenting on the usage of key economic terms and the coRN LAWS. As Drummond Professor of Political Economy at Oxford University from 1826 to 1830 and from 1847 to 1851 he published lectures on precious metals, population, money and wages. His views on the POOR LAWS and the Factory Acts made him a prominent adviser to governments. His ABSTINENCE theory of savings and his inclusion of MARGINAL UTILITY as a cause of value estab- lished his originality as an economic theorist.<br /><em>Reference</em><br />Levy, S.L. (1970) Nassau W Senior 1790 1864, Newton Abbot: David & Charles. Senior, N.W. (1831) Three Lectures on the Rate of Wages, London: Murray (reprinted Thoemmes Press, Bristol, 1998, ed. Ronald Sutherland).<br /> - (1836) An Outline of the Science of Political Economy, London (reprinted New York: Augustus M. Kelley, 1965).<br /> - (1966) Selected Writings on Economics: A Volume of Pamphlets 1827-1852, New York: Augustus M. Kelley.

hazard (DO, QO)<br />1 A venture.<br /> 2 A risk or what is risked.<br /> 3 In environmental economics, the probability of a potentially destructive natural phenomenon occurring in a given place at a given time.

<strong>Return of Title IV funds</strong> – The federally mandated process by which a school calculates the amount of federal funds to be returned for a Title IV aid recipient who withdraws or ceases attendance during a payment period or period of enrollment.

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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.

pure bundling (M3)<br />The sale of goods or services only as part of a joint package deaL<br /><em>See also:</em> bundling; mixed bundling

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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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cottage industry (LO)<br />An industry whose production takes place in workers' homes. Handloom weaving before the INDUSTRIAL REVOLUTION was organized in this way; now, NETWORKING and TELECOMMUTING are home based.<br /><em>See also:</em> domestic system; home production; homework ; networking economy; proto-industrialization
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common external tariff (F1)<br />The tariff protecting a free-trade area, e.g. the EUROPEAN COMMUNITY. Some countries outside the area may be permitted to have privileged access, e.g. those Third World countries allowed by the LOME CONVENTION to export to European Community countries preferentially.<br /><em>See also:</em> customs union
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