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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>Half Time (HT)</strong> – An enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time. For the Marguerite Ross Barnett scholarship, half-time enrollment is defined as 6-11 credit hours.

<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.

<strong>Mapping Your Future (MYF) 10 Financial Fitness Tools</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

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<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.

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<strong>Institutional aid</strong> – Financial aid programs created, funded, and administered by any given postsecondary institution.
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<strong>FSA Handbook</strong> – Federal Student Aid Handbook, a guide to administering the Title IV financial aid programs, published annually by the U.S. Department of Education.

issuing house (G2)<br />A financial institution concerned with arranging the issue of new shares in accordance with the current regulations of the International Stock Exchange.<br /><em>See also:</em> underwriter
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<strong>Treasury Offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds, veteran' s benefits, and social security benefits, to repay a defaulted student loan.

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industrial concentration (Ll) see concentration

neural network model (C8) see automatic neural network modelling

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cumulative preference share (G I ) see preference sha re
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inflation (E3)<br />A general sustained rise in the price level
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<strong>Multiple disbursements</strong> – Disbursement of FFEL Program loans in two or more installments of approximately equal increments.

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reserve currency (F3)<br />A currency widely used for the financing of international trade and held as an alternative to gold or SPECIAL DRAWING RIGfiTS of the INTERNATIONAL MONETARY FUND. The most popular currency is the dollar. As a percentage of official holdings of foreign exchange of all countries in 1988, the US dollar accounted for 54.5 per cent, compared with sterling 15 per cent, the yen 6.7 per cent and the DM 1.6 per cent. In the past, the greater role of sterling as a reserve currency put a tremendous strain on the UK economy as the volatility of sterling balances made it more difficult to keep the pound at its fixed parity.<br /><em>Reference</em><br />Group of Thirty (1982) Reserve Currencies in Transition, New York: Group of Thirty.<br /> Grube!, H. (1984) International Monetary System, 4th edn, Harmondsworth: Penguin.

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open population (Jl)<br />A population subject to emigration of its residents and/or immigration from other areas.<br /><em>See also:</em> economic refugee
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footloose knowledge (03)<br />Technical knowledge not specific to any production process and which is interchangeable between industries.<br /><em>See also:</em> locked-in knowledge
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<strong>PL</strong> – 1) Loan type within CommonLine file specifications for a parent PLUS loan (as opposed to a Graduate PLUS loan, which has a loan type of “GL” ). 2) Public Law. For example, the public law associated with the HERA is PL 109-171.
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Fisher, Irving, 1867-1947 (B3)<br />The celebrated US economist who made major contributions to capital, interest and monetary theory. During his long career as student and professor at Yale University (1892-1935), he published many influential works. His doctoral thesis, Mathematical Investigations in the Theory of Value and Price (1892) advanced general equilibrium theory; his The Nature of Capital and Income (1906) and The Rate of Interest (1907) introduced the important distinctions between real and nominal interest rates and between stocks and flows. Many works on monetary economics, including The Purchasing Power of Money (1911) and Booms and Depressions (1932) showed a progression from an exposition of the QUANTITY THEORY OF MONEY to a concern with stabilization policies. His contribution to economic statistics in The Making of Index Numbers (1927) is well known. His other writings on nutrition, prohibition and pacifism made him known to a wider public. He also earned a great deal from inventing a visible card index system widely used by businesses.<br /> <br /><em>Reference</em><br />Schumpeter, J.A. (1948) Ten Great Economists from Marx to Keynes, Oxford: Oxford University Press.

comparative advantage (F1)<br />The principle justifying individuals or nations specializing in those economic activ- Thus, England can produce cloth relatively more cheaply than wine and Portugal can produce wine more cheaply than cloth. The countries will both gain by increased specialization in the production of the good for which they have a comparative advantage, even though Portugal has an absolute advantage in the production of both commodities.<br /><em>See also:</em> Heckscher - Ohlin trade theorem; Leontief paradox; Rybczynski theorem; terms of trade

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mutual fund (G2)<br />US UNIT TRUST. There are many types. General equity funds invest in a range of equities with the aim of outperforming the market as measured by, for example, STANDARD & POOR'S 500 index. Index funds are invested in the leading stocks which comprise the principal stock market price indices. Strategic funds are very diversified as they invest in all markets, including currency and futures markets. Sector funds specialize in one sector of the stock market. Overseas funds consist of the stocks of a foreign country or a group of them, e.g. Japan or Europe. Precious metal funds invest in gold, silver and other high- value metals. Tax-free funds invest in taxexempt bonds of, for example, US states. Funds of funds spread risk by investing in several mutual funds. Social conscience funds avoid investments in industries or countries subject to moral criticism.<br /><em>See also:</em> investment trust
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<strong>Automated Clearinghouse (ACH)</strong> – An overnight method of transferring funds electronically via the Federal Reserve.
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Spence, Andrew Michael, 1943- (B3) Born in Montclair, New Jersey, and educated at Princeton, Oxford and Harvard Universities. He has held chairs at Harvard (1973-90) and subsequently at Stanford. John Bates Clark medal 1981; NOBEL PRIZE FOR ECONOMICS with AKERLOF and STIGLITZ in 2001. An authority on competition policy and the market signalling aspects of information economics.
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