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Andean Common Market (FO)<br />An association of Bolivia, Chile, Colombia, Ecuador and Peru set up in 1969 to co-ordinate responses to overseas investors and to organize a common market.

development bank (G2, 01)<br />A bank specializing in the provision of finance for development projects in developing countries and depressed regions. Major international development banks use both capital subscribed by donor countries and capital borrowed from international capital markets to support particular projects and programmes, often over the medium term. The principal international development banks include the INTERNATIONAL BANK FOR RECONSTRUCfiON AND DEVELOPMENT, the INTERNATIONAL FINANCE CORPORATION, the INTER-AMERICAN DEVELOPMENT BANK, the ASIAN DEVELOPMENT BANK, the AFRICAN DEVELOPMENT BANK, the CARIBBEAN DEVELOPMENT BANK, the EUROPEAN INVESTMENT BANK, the EUROPEAN BANK FOR RECONSTRUCfiON AND DEVELOPMENT and the INTERNATIONAL INVESTMENT BANK.

lifeboat operation (E5, G2)<br />The rescue of UK sECONDARY BANKs in 1973-4 by the BANK OF ENGLAND, assisted by London and Scottish CLEARING BANKs. Imprudent lending by non-clearing banks during the property boom caused many of these minor banks to have an increased number of bad debts. The nature of the Bank of England's help was compared with a rescue of the shipwrecked.

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<strong>Grant</strong> – Financial aid that does not have to be repaid, such as the Missouri Charles Gallagher Student Financial Assistance Program, administered by the MDHE.

<strong>Federal Default Fee (FDF)</strong> – A loan program fee required by the Deficit Reduction Act of 2005 to offset the risk of default and its subsequent costs. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent default fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as by a lender or servicer). Also referred to as DFee.

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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.
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<strong>IRS offset</strong> – The withholding of a borrower' s federal Treasury payments, such as federal tax refunds. Also known as “Treasury offset.”

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money illusion (E4)<br />Confusing money values with real values, a phenomenon of inflationary periods. Workers and consumers may be prepared to accept inferior bargains because they have not fully taken inflation into account. In collective bargaining, too much attention to money wage rates can lead to workers not being compensated sufficiently for price changes; frequent product price changes make it difficult for consumers to be aware of the extent of inflation. Also known as inflation illusion.<br /><em>See also:</em> price perception
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<strong>Default Aversion Assistance (DAA)</strong> – Assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting.
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