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<strong>Voluntary Flexible Agreement (VFA)</strong> – Individually negotiated contract between a FFEL Program guarantor and the U.S. Department of Education. On October 7, 1998, President Clinton signed the Higher Education Amendments of 1998 (P.L. 105-244), authorizing the Department of Education to enter into no more than 6 VFAs. A VFA may modify the guarantor provisions under sections 428 (b) and (c) of the Higher Education Act, such as the issuance of insurance on FFEL Program loans, defined default aversion activities, collection activities on defaulted loans, guarantor revenue and funding models, and other requirements. For more information on VFAs, see Volume 64, No. 144 of the Federal Register, published July 28, 1999.
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bimetallism (E5, N2)<br />The use of two metals, usually gold and silver, in a fixed ratio as the standard of value and ultimate means of payment. This currency system met with the approval of Adam sMITH. The arguments for bimetallism were that each metal would be more stable in value if connected with the other, that the low production levels of gold caused falling prices and trade recession, and that fixed exchange rates between countries on a pure gold standard and those on a pure silver standard would be possible. The system was practised in the nineteenth century in the USA and in Europe in the Latin Union (a monetary alliance of France, Belgium, Switzerland, Italy, Greece and Romania formed in 1865 and abandoned in 1873 as a consequence of the large amount of Nevada silver and Germany's conversion from a silver to a gold standard).
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<strong>DL</strong> – Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.

deemed tax (H2)<br />US corporate tax concession equal to the amount of total income already paid to a foreign government. If a US corporation has paid $10 million tax abroad on a pretax income of $20 million when it remits $5 million in dividends to the USA its deemed tax will be $10 million x 0.5.
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International Bank for Economic Cooperation (P3)<br />A COMECON organization founded in 1964 to help the non-capitalist world in a way similar to the woRLD BANK's financing of the development of other countries.
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Arrow-Debreu model (D5)<br />An economic theory concerned with establishing the existence of an equilibrium for an integrated model of production, exchange and consumption. The two theorems produced by the authors were that (1) a competitive equilibrium exists if every individual has initially some positive quantity of every commodity available for sale and (2) there are individuals capable of supplying a positive amount of at least one type of labour with positive usefulness in the production of desired commodities.<br /><em>See also:</em> general equilibrium <br /><em>Reference</em><br />Arrow, K.J. and Debreu, G. (1954) 'The existence of an equilibrium for a competitive economy', Econometrica 22: 265-90.

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homoscedasticity (C1)<br />The property of a UNEAR REGRESSION model which has disturbances with constant VARIANCE.<br /><em>See also:</em> heteroscedasticity
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Delphi method (M2)<br />A method of business forecasting used by many large US corporations consisting of panels of experts expressing their views of the future and then revising them in the light of their colleagues' views so that bias and extreme opinions can be eliminated<br /><em>See also:</em> alpha stock; beta stock; gamma stock

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<strong>Fixed rate</strong> – An interest rate that is fixed at the time the loan is obtained (as opposed to a variable rate, which may change at specific times or based on specific indicators). As of July 1, 2006, interest rates on FFEL Program loans are fixed, replacing the variable rate loans that existed prior to that date.

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cousin sent me a friend in Hong Kong. I read later. ... God shaking the whole body to fight the cold how could such a thing .. ah .... .. speechless .. well we all halo together to see it ... see you later still dare to KFC or M ...


one of my friend's father is a senior Bank of China,cheap minesota twins jerseys, a city leader, he and the United States Some co-operative relationship between the Kentucky, a high-level exchange of visits between the leadership of my friend's father had the honor to visit the KFC chicken factory, that is a serious and secure place outside, no one can casually into the. That day I and friends is the self-study, friends, his father suddenly received a phone call from overseas from the United States calls, \After a trip back to our school special, I chat with them and his son, also had the honor to hear the KFC chicken factory insider!
**** the whole body of each tube of chicken, a chicken hatched chickens from time to finished product is two weeks. tube is hormone lose them ah! each chickens no hair, as we have seen disembowelling hair pulling after completion of a kind of chicken!



friends, you know we are there to eat KFC chicken legs and wings is the largest, almost all legs and wings, and you think , where they come from so many legs and wings, which the other parts are gone? almost every chicken wings who have 4-5 ,lebron james jerseys,3-4 legs. I really have been out of anger. look at the city which departments and regions in the KFC brand, and I ... ... Sigh ... ...

friends can go to Kentucky to look inside, in which what people are eating, you will not see foreigners, all Chinese people ah. In particular,cheap nba jerseys, China's children and more, these hormone has been plagued in the normal development of the Chinese minors. His own invention, something foreigners do not like to eat, intelligent Chinese people, ah, we all think this is why? ? ?

said, no matter the Western Kentucky Fried Chicken or McDonald's or other fast-food chain, in the Chinese market in order to create \Chinese people like the taste of formula, as a business development focus. The other is the research and development of the body to grow a chicken more than chicken wings and multi-hormone birth technology only.
now been able to birth to 6 6 chicken wings, but because it is for Chinese consumers - the world's blind ignorance of the consumer, so the only extensive hormonal formula feeding,minesota twins jerseys, it often has a chicken body of a 3-legged three wings, or four, five, six,mlb jerseys, and so forth.

over the chicken wings and chicken legs cut off transportation to the Chinese market, other parts of the body reduced to feed. Now we have business in order to reduce costs and produce better economic benefits, the vast majority of this body processed into chicken chicken willow, are also dumping transport to the Chinese market, thus generating substantial economic profits. Foreigners get a great profit, we people's health and the health of future generations has been greatly hurt!
Why are more children now obese, that is, they contain a lot of eating junk food foreign hormones ah!

whether patriotic Chinese, or the patriotic sense of apathy of the Chinese people, the total will certainly be for their children's health to consider it! Refused to Western fast food! ! !
for their own children, but also to the motherland tomorrow, please vigorously reproduced,dwyane wade jerseys!!

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yuppie, yuppy (Jl)<br />A young urban professional. Most of these aggressive young graduates are employed in financial centres such as New York and London. These health-conscious workaholics firmly believe in free market economics. Their high salaries have made it possible for them to contribute to the GENTRIFICATION of inner city areas.
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<strong>In-school status</strong> – Occurs when a Stafford Loan borrower is enrolled in school at least half time, the grace period has not yet been used, and the borrower has not yet entered repayment. If the borrower returns to school before the grace period is fully used, the borrower continues to qualify for in-school status. Also be referred to as the “interim status.”

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objectives of firms (L2)<br />What a FIRM has as its a1m or target. PROFIT MAXIMIZATION is assumed in many theories of the firm to be the central aim of a firm but research since the 1930s has noted that managers have many other objectives, partly because they are not shareholders directly rewarded in proportion to a firm's profitability. Objectives replacing profit maximization include sales maximization, maintaining (or increasing) a market share and achieving a target rate of return on capital employed. See also: managerial models of the firm; theory of the firm
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and dealing in secuntles. It consists of either executing the orders of other investors or proprietary trading when a bank deals on its own account. The GLAss STEAGALL ACT ordered the separation of investment from deposit-taking banking, thereby preventing the growth of F!NANCIAL CONGWMERATES to the extent which has subsequently become possible in the UK. In the USA the TOP 'BULGE-BRACKET' FIRMS are virtually an oligopoly, having 80 per cent of the business in debt and other securities markets.<br /><em>See also:</em> merchant bank
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central bank (E5)<br />The bank of any country which ultimately guarantees the LIQUIDITY of the banking system as a whole. It is usually owned by the government (in the USA, the Federal Reserve System is owned by the member banks). By setting interest rates for discounting the short-term BILLS of the banking system and by OPEN MARKET OPERATIONS, a central bank is able to exert a powerful influence over the size of the money supply. Other methods of control over the banking and financial systems include the prescribing of RESERVE ASSETS ratios, the issuing of directives and the examination of the accounts of banks and other financial institutions.<br /> Although the oldest central bank is Sweden's Riksbank (founded in 1668), the Bank of England was the first central bank to specialize as a central bank, i.e. largely to abandon its private functions and to concentrate on issuing banknotes, acting as the government's bank in managing the national debt and controlling the money supply and the exchange value of the pound sterling. In the nineteenth century, England's example influenced France, the Netherlands, Austria, Norway, Denmark, Belgium, Spain, Germany and Japan to set up their own national banks. The USA's Federal Reserve System of twelve district banks was set up in 1913.<br /><em>See also:</em> Bank of England; Bundesbank; Federal Reserve System <br /><em>Reference</em><br />Blinder, A.S. (1998) Central banking in theory and practice, Cambridge, MA, and London: MIT Press.<br /> Goodhart, C.A.E. (1987) 'Why do banks need a central bank?', Oxford Economic Papers 39: 75-89.

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