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deprival value (M4)<br />A measure of the value of an asset to its owner; the lower of the replacement cost or ECONOMIC VALUE.<br /> See also: Sandilands Report
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<strong>Ross Scholarship</strong> – Marguerite Ross Barnett Memorial Scholarship Program, a scholarship program established for Missouri students who are employed a minimum of 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program.
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spreading (F3)<br />Price ARBITRAGE over time, often practised in commodity markets. It involves the purchase of a contract in one delivery month and the selling of a contract for a related commodity in a different delivery month. In option markets, 'spreading' is buying a CALL OPTION at one striking price and selling it at another.

<strong>Federal Register</strong> – A federal government publication that lists regulations, regulatory amendments, notices, and proposed regulatory changes for all federal executive agencies.
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command and control regulation (Q2) Administrative and statutory rules concerning pollution control. Sources of pollution are narrowly defined, specific control devices prescribed and emissions standards applied. Critics of this approach to POLLUf lON coNTROL assert that it ignores both the extent of pollution damage and the costs of regulation.
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<strong>Charles Gallagher Student Financial Assistance Program</strong> – A Missouri state need-based grant program administered by the MDHE through the FAMOUS system until the 2006-07 academic year. This program was replaced by Access Missouri August 28, 2007. (This program was formerly known as the Missouri Student Grant Program.)
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<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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<strong>National credit bureau</strong> – A credit reporting agency with a service area encompassing more than a single region of the country. Examples of national credit bureaus include TransUnion and Equifax.

<strong>Clock hour</strong> – A time period consisting of one of the following: 50-60 minutes of class, lecture, or recitation; 50-60 minutes of faculty supervised laboratory, shop training, or internship; or 60 minutes of preparation for a correspondence course.
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<strong>Wire</strong> – A realtime method of transferring funds electronically.

Stackelberg model (Ll)<br />A model of DUOPOLY devised by Heinrich von Stackelberg in his 1934 book Marktform unter Gleichgewicht. This describes the relationship between a leading firm and a follower in their output decisions. A follower chooses the profit-maximizing output. Each firm desires to act as a follower knowing the other will do so also.

<strong>School Certification Request (SCR) process</strong> – Optional process within CommonLine file specifications whereby a C record type is generated in application send files in response to a borrower-initiated application process. With the SCR process, the application send file is sent to the school for certification after the borrower has completed his/her part of the process, including passing any required credit check.
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environmental tax (Q2)<br />A tax on a polluter related to the external costs of private production.<br /><em>See also:</em> effluent fee

<strong>CAM</strong> – Common Account Maintenance, the FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.

<strong>Fiscal Year (FY)</strong> – An annual budgetary period. A fiscal year may be defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1 - September 30).

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industrial training grant (I2, J2)<br />A payment made by central government or by a fund financed by the firms of an industry to pay for vocational training. Without such grants it would be difficult for many small firms to finance adequate training and there would be a tendency for firms undertaking little training to attempt to acquire trained workers by paying above-market wage rates. In a period of great technological change, industrial training has become central to the survival and successful future of many firms.<br /><em>See also:</em> general training
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bliss point (D6)<br />An optimal combination of PRIVATE and PUBLIC GOODS. This combination is derived from a SOCIAL WELFARE FUNCTION. In the figure w, w2 and w3 are different social welfare functions, BB is a grand utility maximization frontier, P is the bliss point, Ux and UY are ordinal preference functions and W = W(Ux, Uy) is a social welfare function. At the bliss point P, social welfare is at a maximum because BB touches the highest welfare function contour.
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<strong>National SMART Grant Program</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on science and math curriculum and academic performance as well as financial need. SMART is an acronym for Science and Mathematics Access to Retain Talent.
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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.

<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.

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bucket shop (L2, L8)<br />An agency selling goods, services or securities at a discount. The main exam- pies of these are vendors of unsold newly issued shares, and travel agents selling low-priced air tickets of airlines operating their scheduled flights with many unoccupied seats.

<strong>Coordinating Board for Higher Education (CBHE)</strong> – The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
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<strong>Bright Flight Scholarship Program</strong> – A Missouri state merit-based scholarship program administered by the MDHE and within the FAMOUS system. The official program name within Missouri statutes is the Higher Education Academic Scholarship Program. More information is available at: http://www.dhe.mo.gov/brightflight.shtml.
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rotten kid theorem (J2)<br />In a household in which its head transfers resources to all members of the family each member, however selfish, will maximize the family income. A selfish child can only have extra consumption by increasing the family income. According to this theorem, there are no FREE RIDERS and a need for incentive mechanisms. It is assumed that there is transferable utility within the family.<br /><em>See also:</em> invisible hand <br /><em>Reference</em><br />Becker, G. (1974) 'A theory of social interactions', Journal of Political Economy 82: 1063-94.<br /> Bergstorm, T. (1989) 'A fresh look at the rotten kid theorem - and other household mysteries', Journal of Political Economy 97: 1138-59.

Quesnay, Fran ois, 1694-1774 (B3) French physician-cum-economist who founded the PHYS!OCRATIC school of economics, the first French school of economics. His position as a court physician to Louis XV made him an influential person, but it was not until his sixties that he wrote on economics. He did so in Encyclopedie articles on 'Fermiers' (1756) and 'Grains' (1757) and in subsequent articles on 'Hommes' and 'Impot'. But his Tableau Economique (first edition 1758), showing the CIRCULAR FLOW between landlords, farmers and manufacturers, anticipated ?N. PUT OUTPUT ANALYSIS and was to be much admired by Adam SMITH and MARX. Quesnay made economics a major talking point of the day: the salons were fascinated by 'les zigzags', their nickname for the Tableau.<br /> <br /><em>Reference</em><br />Barna, T. (1975) 'Quesnay's Tableau in modern guise', Economic Journal 85: 485-96.
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market, of the first considerable largevolume commercial transactions of each commodity. It is based on over 10,000 commodity price series.<br /><em>See also:</em> consumer price index

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<strong>Charles Gallagher Student Financial Assistance Program</strong> – A Missouri state need-based grant program administered by the MDHE through the FAMOUS system until the 2006-07 academic year. This program was replaced by Access Missouri August 28, 2007. (This program was formerly known as the Missouri Student Grant Program.)
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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>Permanent resident of the United States</strong> – A person who meets certain requirements of the U.S. Citizenship and Immigration Services (USCIS), a division of the Department of Homeland Security (DHS). (Formerly known as the INS. On March 1, 2003, the INS transitioned into the DHS and was renamed the USCIS.)
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indexation (M2)<br />An adjustment clause in contracts to maintain the real value of the items central to the contract. Clauses of this kind are much used in building contracts, labour contracts (often used in the USA and Israel) and for government bonds (e.g. in France and the UK in the 1980s to attract savers). As indexation accepts and institutionalizes inflation, it has attracted much criticism.<br /><em>See also:</em> cost of living adjustment; escalator clause <br /><em>Reference</em><br />Dornbusch, R., Sinionsen, M.H. and Vargas, FG. (1983) Inflation, Debt and Indexation, Cambridge, MA: MIT Press.

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International Accounting Standards Committee (M4)<br />A private organization independent of government founded in 1973 to harmonize accounting standards and financial reporting throughout the world. By 2000 it had 153 professional accounting bodies from 112 countries as members and had devised 41 International Accounting Standards (IAS1, IAS2, ... ). Core accounting standards for matters as diverse as depreciation accounting, events after balance sheet date, the effects of changes in foreign exchange rates and intangible assets have been agreed.

<strong>Interest rate</strong> – The maximum rate of interest that is charged on student loans is defined within federal statutes. In the FFEL Program, lenders often reduce the interest rate from the statutory maximum during the in-school or repayment periods for borrowers who pay on time or who meet specified eligibility requirements.
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<strong>FAFSA</strong> – Free Application for Federal Student Aid, the form the student must complete to apply for federal Title IV financial assistance and for Missouri need-based aid programs. The FAFSA may also be completed on the web at the following url: http://www.fafsa.ed.gov/.

<strong>ESC</strong> – Electronic Standards Committee, a committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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08-05-2011 10:19 PM

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cash budgeting (M2)<br />Predicting the cash flows of a business.<br /><em>See also:</em> cash flow; cash flow accounting

jump (G1)<br />A sudden and unexpected fall, or even crash, in a financial market which cannot be hedged against.
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<strong>Wage garnishment</strong> – The withholding of a portion of a borrower' s wages to repay a defaulted loan. (See also AWG.)
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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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