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<strong>Professional Judgment (PJ)</strong> – The flexibility given to a financial aid administrator to make adjustments to student eligibility for federal Title IV aid and for Missouri state aid on a case-by- case basis.
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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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<strong>Meteor</strong> – Financial aid database providing information on students and their aid awards for FFEL Program loans, Pell Grants, state scholarships and grants, and other sources of aid. Also referred to as Meteor Network or Meteor Project.

zai teku (GO, M1)<br />Financial management (Japanese).
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Ramsey saving rule (E2)<br />The rate of saving multiplied by the MARG!NAL UTILITY of money should always be equal to the amount by which the total net rate of enjoyment of utility falls short of the maximum possible rate of enjoyment.<br /><em>Reference</em><br />Ramsey, EP. (1928) 'A mathematical theory of saving', Economic Journal 38: 543-59.

<strong>PEPS</strong> – Postsecondary Education Participants System, a database of postsecondary institutions that participate in any program administered by the U.S. Department of Education.

<strong>MSLG</strong> – Missouri Student Loan Group, the division of the MDHE which administers the FFEL Program.
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<strong>Wire</strong> – A realtime method of transferring funds electronically.

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<strong>Grade level</strong> – A student' s academic class level, as certified by a school official. Undergraduate students are assigned a level of 01 (freshman) through 05 (5th year senior). Graduate students are assigned a level A (first year graduate) through D (fourth year and beyond).

<strong>Promissory note</strong> – A legally binding agreement the borrower signs, or e-signs, to obtain a loan under the FFEL Program. The current promissory note format in place is referred to as an MPN, which allows the borrower to obtain multiple loans for multiple years of school using the same promissory note.
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Pozycjonowanie strony internetowej to zabieg majacy na celu wypromowanie witryny na jak najwyzsze miejsce w wynikach wyszukiwania. pozycjonowanie stron Oferujemy Panstwu skuteczne pozycjonowanie stron internetowych w wyszukiwarce Google.

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<strong>Term-based school</strong> – A school that uses standard academic terms, such as quarters, trimesters, or semesters.

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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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multiple equilibria (D5)<br />1 The state of market in which balances in several parts occur simultaneously. This is represented by a diagram with several points of intersection between, for example, when an aggregate supply curve is linear but the aggregate demand curve is S-shaped.<br /> 2 The coexistence in a national ECONOMY of a low-efficiency, low-output equilibrium and a high-efficiency, high-output equilibrium. multiple exchange rate (F3)<br />An exchange rate with different values according to the nature of the international transaction. Often, BALANCE oF PAYMENTS current account transactions are at a different rate from capital account transactions. Central banks allow these different rates because of the different pressures on parts of their balance of payments, e.g. needing imports of capital but not imports of luxury goods. Common examples of multiple rates are the existence of official and BLACK MARKET exchange rates in operation simultaneously and an official rate together with more favourable rates for industries being helped under an industrial policy.<br /><em>See also:</em> dual exchange rate
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cost ratio (M2)<br />The ratio to sales of factory costs, administrative costs, research and development costs, capital expenditure, selling costs or distribution costs.<br /> cost-utility analysis (Il)<br />A method of evaluating health programmes by calculating the cost per effect produced of a medical procedure or treatment. Effects are converted into preferences or utilities. It makes use of QUALITYADJUSTED LIFE YEARS.

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<strong>DVA</strong> – Department of Veterans Affairs.

<strong>NCHELP</strong> – National Council of Higher Education Loan Programs, the FFEL Program national association for guarantors and secondary markets. NCHELP provides tools, manuals, documents, and resources online, including the Code of Federal Regulations (CFR). Visit the NCHELP e-library at www.nchelp.org.

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Reprinted from alumni of the user at 14:51 on November 1, 2010 Reading (loading. ..) Comments (0) Category: Personal Diary








Shanxi murderer Hu Wenhai
the last paragraph

Police: know why you catch it? -
Hu Wenhai: know, killing the point man. -
-
[b] Police: kill a little? Fourteen killed you!
[b] Hu Wenhai: more than fourteen it!
-
[b] Police: How much do you say? [/
Hu Wenhai: I remember was seventeen. -
-
Police: Fourteen dead! -
Hu Wenhai; I do not mind living there, I have been mired, to see who died, as did, to give two shots. - And that is not to kill the net. -
-
Police: Do you know the consequences of it? -
Hu Wenhai: (Mei Xiao face the police) know, know, I have to give people Diming. -
-
Police: sorry do not regret? -
Hu Wenhai: Why do not regret it? There should not kill a baby at home,gucci bikinis, one that you only know people are stopping by. Another thing, got to be the did not kill the net. -
-
police: you want Sha Shui? -
Hu Wenhai: to that of several of the men. -
-
Police: Why kill your family? -
Hu Wenhai: Director of their village when the village secretary, the three years of corruption and squandered at least five million. Three coal mines so that they sell two. I have nobody to complain to the town. They hate me not, I wanted to death. 99 June 19, I went to the ground water, xxx brothers (one of which killed over the door) excuse, and I fight, split into three shovel my head, I had dozens of sewing needles. But for the first hard, as early as they hack. xxx (party secretary) sent to me, and to pay compounding,gucci sunglasses, I quit. Since then, I got up to kill, would have been prepared to start this year, thirty at night, when all to see Spring Festival Party, to kill clean. June 19, I xxx (secretary) and village accountant called and let them write how much of corruption, they quit, then sirens outside (passing police car), xx (Accounting) to rough, pointing his forehead, said: He also thought that I dare not. No recourse but to advance hands. ... ... -
-
-
Hu Wenhai
courts, he stands erect, holding self-defense books read aloud, speaking as model workers in rural areas. There is also a joint trial to help him kill a friend, Hu reply, said that his friend did not kill anyone, has persuaded him to follow him is not to kill. At this time, the prosecution pointed out that a victim (played dead escape) to testify against his friend took an ax him. Hu reply, I shot him lying on the floor playing, he made no back read, I picked up an ax him. The prosecution also pointed out that his friend took pliers to clip the victims. Hu Wenhai immediately debate and said: I gun forced him dry, he does not clip the victims,cheap gucci heels, I **** beat him. Blatant taking on everything. -
Hu Wenhai
sentenced to death, the retired for the time, Hu taking it every a review of the police officers to shake hands with him, while holding says: is funny. -
-
2001 years of December 25, Christmas is also the West. Day Jinzhong a public hearing according to the law court shooting 14 serious cases of three defendants. Finally, there are 2 people sentenced to death, a person sentenced to life imprisonment. The first defendant Hu Wenhai according to legal procedures in the final statement said: ideals, she was very young character is speaking out, dare to dare. village powerless kindness of the villagers and I live in harmony, sometimes, I became the spokesman for their interests. However, in recent years, served as village cadres corruption and bribery, and oppress the people, the village of small coal mines (the villagers risked their lives) and other enterprises handed in more than 400 million divided by them. 4 years, I report to the authorities several times,gucci heels, and reflect all the villagers came to nothing, public security, discipline, prosecution,cheap gucci shoes, provincial, municipal and district bureaucrats to make us indifferent and looked down upon ... .... However, we do go there reasoning? Who for us to call the shots? I report to public security organs, people who earns a salary of civil servants driving a car more than 30 million on the purchase of swagger, not attend to a case, even the collusion of village cadres bully people ... .... I have only to violence with violence, I could only their own interests to defend the people of the ... .... The actual , I have a 4,5 million in annual income, regardless of what I can! But, I can not! my conscience tells me not to do so, I can not disregard this. slaughter, I can not let these assholes squeeze people out ... .... I know I will die, if my death can cause the attention of those officials, who can investigate and deal with corrupt officials, I will die without regret, or I will not become devils let them ... ...
-
If you are Chinese! If you have a conscience! Please reprint your space, or copied to the space, why, is to let justice forever! ! ! ,gucci sale!
-

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caring society (D6, PO) see altruism; welfare state carry-back, carry-forward system (H2) A tax system which permits businesses to carry net operating losses back or forward against past or future gains in mcome or capital appreciation.
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<strong>Federal Family Education Loan Program (FFELP)</strong> – Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.

<strong>NCAA</strong> – National Collegiate Athletic Association.
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<strong>VR</strong> – Vocational Rehabilitation. The Missouri Department of Elementary and Secondary Education (DESE) administers VR programs.
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more competitive in the loans market, through securitization, as they are able to lend at lower interest rates. There are more examples of these bond issues in the USA than in the UK, despite more elaborate regulation of them. Mortgage bonds in sterling were first issued in 1987.
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laissez-faire (HO)<br />The doctrine, first propounded by the PHYsrocRATS, that economic activities should follow their natural course, being subjected to few, if any, governmental regulations in order to encourage production and give consumers complete freedom. Thomas Carlyle described it as 'anarchy plus the constable'. As new roles for the state have been widely acknowledged, there are few adherents of the doctrine in its purest form.<br /><em>See also:</em> minimal state <br /><em>Reference</em><br />Viner, J. (1960) 'The intellectual history of laissez-faire', Journal of Law and Economics 3: 45-69.

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<strong>Access Missouri</strong> – A Missouri state need-based financial aid program administered by the MDHE through the FAMOUS system. This program was newly implemented as of August 28, 2007 and replaced both the Charles Gallagher Grant as well as the College Guarantee program. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.
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<strong>Accrued interest</strong> – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). 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.
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common resource problem (QO)<br />The difficulty of assigning to a particular user the cost of using a resource available to several users.
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<strong>GO</strong> – Guarantee Only, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GO” process flow, the school submits loan application information to the guarantor, which then guarantees the loan and takes no further action. It is assumed that either the school or the lender will obtain a signed MPN from the borrower either via paper or an electronic method.
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<strong>CBA</strong> – Consumer Bankers Association.
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<strong>Web loan delivery product</strong> – An online system that allows schools, borrowers, and/or lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans via the internet. The MDHE' s product is called MODEL Direct.

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Johnson, Harry Gordon, 1923-79 (B3)<br />A prolific Canadian economist, who in his bustling life wrote 41 books and pamphlets and 526 learned articles and edited 5 leading journals, covering the whole range of economics. He was educated at the Universities of Toronto, Cambridge and Harvard. In his industrious career, he was a fellow of King's College, Cambridge, from 1949 to 1956, professor of economics at Manchester from 1956 to 1959, and professor at Chicago from 1959 to 1977, combining that chair with other academic posts, particularly one at the London School of Economics from 1966 to 1974 which he relinquished, in a blaze of publicity, because of UK taxation. A central interest of his career was international economics, to which he often returned, as well as monetary theory, development economics and the major economic policy issues of the day. His much-used pen attacked vulgar applications of Keynesianism and collectivism.<br /><em>Reference</em><br />Johnson, H.G. (1958) International Trade and Economic Growth: Studies in Pure Theory, London: Allen & Unwin.<br /> - (1967) Economic Policies towards Less Developed Countries, London: Allen & Unwin.<br /> - (1969) Essays in Monetary Economics, 2nd edn, London: Allen & Unwin.<br /> - (1971) Aspects of the Theory of Tariffs, London: Gray-Mills.<br /> - (1972) Macroeconomics and Monetary Theory, London: Allen & Unwin.
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& Real income & macroeconomic policy (E6)<br />Measures used by governments to influence major economic aggregates, especially GROSS NATIONAL PRODUCT, UNEMPLOYMENT, INFLATION and the MONEY SUPPLY. Macropolicies have been possible since 1945 through the availability of NATIONAL INCOME accounting, other increases in economic data collection and the theoretical framework provided by KEYNES, his successors and rivals. Increasingly it has been difficult to separate macro-policies from micropolicies, particularly in the labour market.<br /><em>See also:</em> Employment Act 1946; full employment

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<strong>R2T4</strong> – Return to Title IV aid calculation used to determine the portion of aid funds delivered that need to be returned after a student withdraws from school.
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<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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demography (Jl)<br />The study of the size and composition of human populations, particularly their births, deaths and migration. Both historical recording and projections of future populations are calculated to provide the basis for economic and social planning.<br /><em>See also:</em> population census; Malthus; Petty <br /><em>Reference</em><br />Pressat, R. (1972) Demographic Analysis. Methods, Results, Applications, London: Edward Arnold; Chicago: Aldine Atherton.
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marginal utility (DO)<br />The amount of satisfaction obtained from consumption of the last unit of a good or service. Although there were hints of such an analytical tool in economics before 1870, particularly in BENTHAM's writings, it was the MARGINALISTS who were first to make extensive use of the concept, employing differential calculus. The LAW oF DIMINISHING MARGINAL UTILI1Y was enunciated simultaneously.<br /><em>See also:</em> cardinal utility; util; utility

sole proprietor (L2)<br />A person who is both the sole owner and manager of a firm, receiving all its posttax profits and entirely responsible for its liabilities. The growth of SELF-EMPLOYMENT is some indication of the increasing popularity of this form of enterprise.<br /><em>See also:</em> partnership; small firm

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labour compact (JO)<br />technical USA, use JOB SEARCH as an indicator of an unemployed person's attachment to the labour force. The size of a national labour force will be determined by permanent The unwritten implicit agreement between international IMMIGRATION and a combina-
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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>Independent student</strong> – A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court
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<strong>Suspension</strong> – Suspension of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs for a specified period of time until specified requirements are met.

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social dividend scheme (H3)<br />An integration of income maintenance with income taxation. The state fixes an income maintenance payment related to household size in order to prevent dire poverty. Income above this payment is subject to progressive taxation but income below it is supplemented by 'dividends' in the form of a cash sum. Although long advocated by many political parties, such schemes are difficult to implement.<br /><em>See also:</em> negative income tax; poverty trap

Glass-Steagall Act 1933 (G2, K2) Banking Act 1933 (USA) which separated INVESTMENT BANKING from deposit-taking banking with the aim of discouraging speculation and conflicts of interest, e_g. between underwriting new share issues and normal COMMERCIAL BANK lending. It banned the payment of interest on demand deposits and allowed the Federal Reserve System to set RESERVE REQUIREMENTS. Since 1980, there have been US calls for the repeal of the Act so that US banks can have as wide a range of financial products as European banks. Japan's version of Glass-Steagall (Article 65 of its Securities and Exchange Law)<br />was also much criticized <br /><em>Reference</em><br />Benston, GL (1990) The Separation of Commercial and Investment Banking. The Glass-Steagall Act Revisited and Reconsidered, London: Macmillan.

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<strong>PSI</strong> – Postsecondary Institution.
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globalization (FO)<br />The expansion of domestic markets and activities into a world-wide system. As long ago as the Roman Empire trade was encouraged internationally. In the seventeenth century companies trading to the East Indies from Western Europe not only exported and imported but established factories in distant countries. From the late nineteenth century major industrial and banking companies set up foreign subsidiaries. Today globalization does mean that increasingly economic activity takes place within world-wide markets, often electronically. BRANDING has produced more homogenization of tastes and reduced the scope for local production. With globalization national governments become less important: large corporations and world markets dictate the distribution of production and of incomes. Critics point out the threat to democracy posed by the establishment of institutions not subject to national governments_<br /><em>See also:</em> multinational corporation <br /><em>Reference</em><br />Turner, A. (2001) Just capital- the liberal economy, London: Macmillan.
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collectivized investment (G1) A MUfUAL FUND or UNIT TRUST.

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capital market (Gl)<br />A market which issues securities to rmse long-term capitaL<br /><em>See also:</em> primary market; secondary market

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debit card (G2)<br />A card which makes possible the immediate debiting of a bank account at the time of purchasing goods or services; an 'electronic cheque book'. In the late 1980s

project appraisal (E2)<br />The calculation of the total effects of an investment project on an economy, using both market prices and SHADOW PRICES.<br /><em>See also:</em> cost-benefit analysis <br /><em>Reference</em><br />Hansen, J.R. (1978) Guide to Practical Project Appraisal: Social Benefit-Cost Analysis in Developing Countries, Vienna: UNIDO.<br /> Little, I.M.D. and Mirrlees, J.A. (1974) Project Appraisal and Planning for Developing Countries, London: Heinemann Educational.

lower quartile (C1)<br />A value in a set of numbers such that three-quarters of the numbers a re greater in va lue; the seventy-fifth percentile. This value is a benchmark to measure LOW PAY.<br /><em>See also:</em> median; upper quartile
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job security (J2)<br />Guaranteed tenure of a job. This TRADE (LABOR) UNION goal is realizable in only certain types of employment, particularly public sector white-collar jobs and employment in major oligopolistic firms. The Japanese system of PERMANENT EMPWYMENT was a leading case, although even that was less prevalent than imagined by foreign observers.<br /><em>See also:</em> flexible labour market; whitecollar worker

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endogenizing the exogenous (E1)<br />The inclusion in an economic model of something previously regarded as given. Classical economists, for example, regarded FULL EMPLOYMENT as given, whereas KEYNES included it as a variable in his model of the national economy. Expectations were often regarded as given but now many economic models include them.<br /><em>See also:</em> endogenous variable; exogenous variable
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<strong>NASFAA</strong> – National Association of Student Financial Aid Administrators.

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<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.

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job seeker's allowance (J6)<br />A welfare payment to an unemployed person. It can be related to income and savings, or to accumulated contributions. This was introduced in the UK in October 1996 in succession to unemployment benefit and income support. It is so called because the qualification for being an unemployed member of the labour force, rather than a non-participant, is job search activity.
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<strong>CL4</strong> – CommonLine Release 4, the most widely used CommonLine file format within the FFEL Program. The CommonLine Release 5 (CL5) formats, although in existence for many years, were never widely adopted and implemented by FAMS vendors or FFEL Program participants.

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<strong>A+ Schools Program</strong> – A program administered by the Missouri Department of Elementary and Secondary Education (DESE) which provides paid tuition and fees as well as other financial incentives for students who fulfill needed requirements, graduate from a designated A+ high school and who attend a Missouri community college or vocational-technical school. More information is available at: http://www.dese.mo.gov/divimprove/aplus/index.html.
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competitive trading (D4)<br />The traditional method of exchange in a market consisting of buyers and sellers using their relative market strengths to reach an agreed single market price.<br /><em>See also:</em> barter; countertrade
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<strong>State Student Financial Aid Committee</strong> – A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as “the state aid program task force.” )
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zakat (H2)<br />Under Islamic law, a tax on sutplus wealth, e.g. on buried treasure acquired through little labour, or on a herd above a certain size. The tax is levied to help the poor and needy.

<strong>MARIO</strong> – Missouri Advantage Repayment Incentive Option, a student loan forgiveness program for individuals working in Missouri' s life science companies. MARIO was created by a partnership between the MDHE, MOHELA, and the Missouri Department of Economic Development.

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capital re-switching (D2)<br />A return to more CAPITAL-INTENSIVE methods of production because a technique has become more profitable through an increase in the marginal product of capital or a fall in the rate of interest.<br /><em>See also:</em> Cambridge controversies
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cash-in-advance constraint (E4)<br />A good has the status of money through being involved in most types of exchange, so purchases within a period are constrained by the amount of money available at the beginning of that period. Also known as the finance or effective demand constraint.<br /> <br /><em>Reference</em><br />Kohn, M. (1981) 'In defense of the finance constraint', Economic Inquiry 19: 177-95.
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<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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1844; many producer co-operatives were founded in the USA and the UK in the last quarter of the nineteenth century. Unfair business competltwn, especially the withholding of supplies, destroyed many of the US co-operatives, but some of the UK co-operatives founded then still survive in printing, clothing and footwear manufacture. Self-management of Yugoslav enterprises and the large workers' cooperatives at Mondragon (in the Basque region of Spain) attracted much attention. All these enterprises have had to face the problems of underinvestment (as producer members often prefer present wages to future profits), low PRODucrrvrTY and a lack of managerial experience. But poor performance has not been universal, as Mondragon shows.<br /><em>See also:</em> industrial democracy; workers' participation <br /><em>Reference</em><br /> Ireland, N.J. and Law, P.J. (1982) The Economics of Labour-Managed Enterprises, London: Croom Helm.<br /> Vanek, J. (1970) The General Theory of Labour-Managed Market Economies, Ithaca, NY: Cornell University Press.

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gifts tax (H2)<br />A tax on the transfer of personal capital to someone else, often a close relative. The tax is imposed to prevent persons from avoiding inheritance taxes by transferring ownership before death; small gifts of a single year are usually exempted.

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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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<strong>NDN</strong> – ELM' s National Disbursing Network (NDN), which provides consolidated disbursement services to schools.
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derived demand (DO)<br />The demand for a factor of production derived from the demand for its product, e.g. there is a demand for labour in the construction industry because of a demand for houses. Demand for a product and the derived demand for a factor will change by the same proportion if the input-output ratio is constant, which is unlikely in a period of technological change.

merchant bank (G2)<br />A SECONDARY BANK specializing in the finance of trade, portfolio management, CORPORATE FINANCE a nd MERGERS. As it does not receive deposits directly from the public, it obtains finance for lending from WHOLESALE MONEY MARKETS. It has the exclusive right under the Companies Acts to transfer undisclosed sums from its profit and loss account to its hidden reserves. The more famous merchant banks have included Morgan and Grenfell, Hill Samuel, Kleinwort Benson, Rothschilds, Hambros and Lazards. Increasingly, in the USA 'merchant banking' refers to a high-risk form of investment banking which has extended the range of its services to include the provision of BRIDGING finance and EQUITY investment in firms purchased th rough a LEVERAGED MAN• AGEMENT BUYOUT.<br /><em>See also:</em> investment banking
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needs standard (D3, D6)<br />A principle of DISTR IBUTION based on Louis Blanc's notion 'From each according to ability, to each according to needs'. It is difficult to implement this approach to income distribution as the concept of 'need' is subjective and it has the disincentive effect of discouraging more industrious and talen ted workers whose reward is diminished by the extra income given to the poor.

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<strong>Parent</strong> – For the purpose of PLUS Loan eligibility, a parent is defined as a student' s natural or adoptive mother or father, or the spouse of a parent who remarried if that spouse' s income and assets would be required for completion of the FAFSA.

Regulation D (E5, G2)<br />An arbitrary rule of the US FEDERAL RESERVE SYSTEM that classified bank deposits held for less than thirty days as DEMAND DEPOSITS. This regulation was modified in 1980 when this classification of demand deposits conflicted with the new type of TIME DEPOSIT that has a minimum maturity of fourteen days. The regulation is subject to the requirement that banks keep to a required reserve ratio.

Panglossian economics (A1)<br />A complacent optimism about the future. Dr Pangloss, a fictional character in Voltaire's Candide, asserted that every effect has a cause and everything is for the best.
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economic profit (D3, M4)<br />The surplus of revenue over all costs, including the OPPORTUNITY COSTS of employing all inputs.<br /><em>See also:</em> accounting profit

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<strong>PRCN</strong> – Program Review Control Number.

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<strong>Common Manual</strong> – A policy and procedure manual summarizing unified student loan policy that is published by NCHELP. The Common Manual is updated regularly by a committee of FFEL Program agencies.

<strong>Economic hardship</strong> – A period during which the borrower is working full time but is earning an amount that does not exceed the greater of the minimum wage or the poverty line for a family of two. Economic hardship also exists if a borrower' s monthly payments on federal student loans are equal to or greater than 20 percent of his/her monthly income.

<strong>Rescheduling a disbursement</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. Within CommonLine 4 files, this transaction is referred to as a disbursement date change and is located within the @1-09 record.

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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.
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<strong>Branch campus</strong> – A permanent location of a school that: is geographically apart and independent of the main campus; offers courses leading to a degree or recognized academic credential; has its own faculty and administration; and has its own budgetary and hiring authority.
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