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<strong>PIN</strong> – Personal Identification Number.

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high-powered money (E5, G2)<br />Currency, bankers' balances at a CENTRAL BANK and other eligible reserve assets of deposit banks. An increase in the supply of this money permits a multiple expansion of bank deposits because of the operation of the MONEY MULTIPLIER, e.g. a central bank in an open market operation buys bonds from the public thereby increasing the amount of cash available to banks.<br /><em>See also:</em> fractional reserve banking

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<strong>Transfer</strong> – For student loan servicing purposes, a transfer is any action, such as the sale of a loan, that results in a change of the system used to service a loan.
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<strong>GEN</strong> – General Dear Colleague Letter.

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mutual insurance company (G2)<br />An insurance company owned by its members. Increasingly these have changed their status and been quoted on the stock market.

<strong>Anticipated disbursement date</strong> – The date loan funds are expected to be issued to the school or escrow agent. A school establishes the anticipated disbursement date(s) for a loan at the time of certification.

Luddite (J5, N3)<br />1 A member of a gang of English craft workers led by Ned Ludd in the period 1811-13 who showed opposition to the introduction of textile machines in Nottingham, England, and surrounding places and the consequent loss of employment by smashing the machines at night. 2 A person who takes INDUSTRIAL ACTION in an attempt to prevent the implementation of technical change.
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<strong>SSN</strong> – Social Security Number.
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central occupation (J2)<br />The main occupation which characterizes an industry and is essential to its working, e.g. doctors and nurses in medical services, farmworkers in agriculture.
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monetarist approach to the balance of payments (F4)<br />The view that BALANCE OF PAYMENTS adjustments are made through capital movements and interest rate changes in capital markets. This is the alternative to the KEYNESIAN approach of adjusting expenditure to achieve a balance of payments equilibrium.

<strong>Electronic Standards Committee (ESC)</strong> – A committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.

<strong>CFR</strong> – Code of Federal Regulations. The regulations from the U.S. Department of Education relating to the federal student aid programs are codified in Volume 34. Part 668 governs the student assistance general provisions. Part 682 regulates the FFEL Program.

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postmodern economics (A1)<br />An epistemological critique of modern economic theory that takes into account the community producing such knowledge. It attacks the use of a deterministic 'scientific' methodology economics and a GENERAL EQUILIBRIUM approach in favour of recognizing indeterminacy, uncertainty, the randomness and multiplicity of possible causes. In its analysis of LATE CAPITALISM it recognizes the fragmented nature of modem life and the many motivations inspiring economic conduct.<br /> <br /><em>Reference</em><br />Cullenberg, S., Amariglio, J. and Ruccio, D.F (2001) Postmodernism, Economics and Knowledge, London and New York: Routledge.
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<strong>FT</strong> – Full Time, an enrollment status indicating the student is carrying a full academic workload as determined by the school.
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new industrial state (PO)<br />GALBRAITH's term for the modern economy which is dominated by a 'technostructure' of large firms dedicated to stable production and the creation of wants so that there is no deficiency of demand for their products. He argues that the planning system used can be practised by both CAPITALIST and SOCIALIST ECONOMIES.<br /><em>Reference</em><br />Galbraith, LK. (1967) The New Industrial State, London: Hamish Hamilton; Boston, MA: Houghton Mifflin.
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<strong>SMTP</strong> – Simple Mail Transfer Protocol, a syntax for text messages sent from one computer to another using email.
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