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domestic credit expansion (E5)<br />Growth of the money supply, adjusted by the deficit or surplus on the BALANCE oF PAYMENrs current and capital accounts. It consists of the PUBLIC SECTOR BORROWING REQUIREMENr less net sales of public sector debt to the non-bank private sector and bank lending to the private and overseas sectors. The reasoning behind this measure is that a balance of payments deficit leads to a reduction in the expansion of the domestic money stock through excess spending overseas. Conversely, a money supply expands with a balance of payments surplus, increasing foreign currency reserves. This measure was intended to produce a monetary aggregate suitable for open economies. It was first used in the UK in 1968 when it was monetary target popular with the INTERNATIONAL MONETARY FUND.<br /><em>See also:</em> monetarism; money supply

ex ante variables (EO)<br />Measures of what is planned or intended, e.g. intended investment. These have been USed since the STOCKHOLM SCHOOL and Keynesians started modern macroeconomics; increasingly ex ante measures have been used to estimate EXPECTATIONs. In practice, surveys of business enterprises are used to ascertain intended levels of production, investment and employment.<br /><em>See also:</em> ex post variables
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public good (H4)<br />A commodity or service which is available to everyone in a particular catchment area, cannot be withheld from non-payers and is 'non-rival', i.e. one person's consumption does not diminish that of others. The main examples are national defence, sewerage, street lighting, lighthouses, public health measures such as mass vaccination, and scientific research. As individuals cannot be charged according to consumption for goods and services collectively provided, it is usual to finance their production by taxation. Although the provision of public goods was small until the twentieth century, writers as early as PETTY, SMITH and John Stuart MILL argued for their existence. It is not always easy to distinguish between a public and a private good as some private goods gratuitously benefit third parties, e.g. maintaining a garden in a beautiful condition confers pleasure on many people in the vicinity.<br /><em>See also:</em> club good; local public good; mixed good; private good
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<strong>Proration</strong> – A reduction of the standard annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.

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<strong>AY</strong> – Academic year; the standard federal definition of an academic year is July 1 through June 30. This acronym may also be used to abbreviate “aid year” and “award year.”

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cyclical variations (Cl)<br />Movements in a TIME SERIES brought about by the BUSINESS or TRADE CYCLE. These components of changes in the values of a variable can be removed from raw data by first removing seasonal variations by making a SEASONAL ADJUSTMENT and then dividing the adjusted data by corresponding trend values. & D & D (G1)<br />A SECUR ITY of questionable value according to the rating agency Standard & Poor.<br /><em>See also:</em> AAA; BBB; BB; Q DDR
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<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.

<strong>Escrow agent</strong> – A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.

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<strong>DVA</strong> – Department of Veterans Affairs.

<strong>NCHELP</strong> – National Council of Higher Education Loan Programs, the FFEL Program national association for guarantors and secondary markets. NCHELP provides tools, manuals, documents, and resources online, including the Code of Federal Regulations (CFR). Visit the NCHELP e-library at www.nchelp.org.

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labour compact (JO)<br />technical USA, use JOB SEARCH as an indicator of an unemployed person's attachment to the labour force. The size of a national labour force will be determined by permanent The unwritten implicit agreement between international IMMIGRATION and a combina-
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<strong>DHE</strong> – Department of Higher Education, the Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the MDHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>Independent student</strong> – A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court
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competitive trading (D4)<br />The traditional method of exchange in a market consisting of buyers and sellers using their relative market strengths to reach an agreed single market price.<br /><em>See also:</em> barter; countertrade
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<strong>State Student Financial Aid Committee</strong> – A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as “the state aid program task force.” )
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zakat (H2)<br />Under Islamic law, a tax on sutplus wealth, e.g. on buried treasure acquired through little labour, or on a herd above a certain size. The tax is levied to help the poor and needy.

<strong>MARIO</strong> – Missouri Advantage Repayment Incentive Option, a student loan forgiveness program for individuals working in Missouri' s life science companies. MARIO was created by a partnership between the MDHE, MOHELA, and the Missouri Department of Economic Development.

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The scope of pharmacy Buy Tramadol apply comprises even more customary roles these as compounding and dispensing drugs, and it also includes alot more contemporary solutions related to well being treatment, including medical solutions, reviewing medicines for safety and efficacy, Buy Soma material. Pharmacists, consequently, are the gurus on drug remedy and are the main health and fitness experts who optimize medicine use to present sufferers with optimistic well-being results.

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regional economics (R1, R3)<br />The analysis of firms' location decisions and the causes of regional growth. Economists, with geographers, have the same a nalytical foundations in the works of von THUNEN and Losch. It is mainly in times of high national growth that regional im balances attract much interest.<br /><em>See also:</em> economic geography <br /><em>Reference</em><br />Armstrong, H. and Taylor, J (1985) Regional Economics and Policy, Oxford: Philip Allan.<br /> Isa rd, W (1965) Methods of Regional Analyses: An Introduction to Regional Science, Cambridge, MA: MIT Press; New York: Wiley.<br /> Nijkamp, P. and Mills, E.S. (1986-7) Handbook of Regional and Urban Economics, 2 vols, Amsterdam and New York: North-Holland. Temple, M. (1994) Regional economics, New York: St Martin's Press; London: Macmillan.
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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)
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