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<strong>CBO</strong> – Congressional Budget Office.

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additional facilities (F3)<br />Extra credit arrangements of the INTERNATIONAL MONETARY FUND to ease the balance of payments difficulties of member countries. These include: 1963 Compensatory Financing Facility to provide compensation for a shortfall in expor t earnings;<br />1969 Buffer Stock Financing Facility;<br />1974-5 Oil Facility;<br />1974 Ex tended Fund Facility;<br />1974 Supplementary Financing Facility;<br />1986 Structural Adjustment Facility.

dole bludger (J6)<br />An Australian unemployed person who does not seek work but enjoys a life of leisure financed by social security benefits. Abolition of unemployment benefit was intended to force such persons into retraining or job search.<br /><em>See also:</em> job-seeker's allowance; New Deal

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books or accounts of a firm or other organization. Often this valuation is made at the time that assets are originally purchased with the consequence that changes in value caused by inflation are ignored.<br /><em>See also:</em> inflation accounting

customize (L2)<br />To modify the standard design of a coNsuMER DURABLE by minor changes in its appearance or functions to allow its owner to express his or her personality, e.g. replacing small car/automobile wheels by larger ones.

<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.

revolving underwriting facility (02)<br />An extended NOTE ISSUANCE FACILITY in the form of a conventional bank loan at low short-term interest rates offered because a money market has not purchased all of the short-term commercial paper offered.
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<strong>SAL</strong> – School as Lender. A school, other than a correspondence school, that has been approved to act as a lender under the FFEL Program for its graduate and professional students. (Note: to participate as an SAL, the school had to be participating as of April 1, 2006. No new schools are being approved to act as their own lender.)

payroll tax (H2)<br />A tax on labour usually equal to a fixed proportion of the wage bill or of an individual employee's remuneration. In the USA, this tax became part of the federal revenue system by the Social Security Act 1935 when it was introduced to finance social security programmes. National insurance in the UK is based on this principle.
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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.

<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.

hyperinflation (E3)<br />A rise in product prices of more than 50 per cent per month. In extreme cases, prices can double in one day. The best known examples have been Germany in 1923, Hungary in 1946 and some Latin American countries in the 1980s. Germany's inflation rose from a mark valued in the summer of 1914 at 4.2 to the US dollar to 4,200,000,000,000 on 15 November 1923. This type of inflation forces people to abandon the use of money in favour of BARTER and INDEXATION. SAVING is discouraged and fixed income groups with little bargaining power, including the RENTIER class, suffer a massive fall in income. Governments, finding it difficult to collect taxes, often resort to increasing the money supply as a source of income in such circumstances.<br /><em>Reference</em><br />Siklos, R.K. (1990) War Finance, Hyperinflation and Stabilization in Hungary 1938-48, London and New York: Macmillan and St Martin's Press.
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adverse supply shock (EO)<br />A change in a factor price, e.g. of energy Or labour, which reduces AGGREGATE SUPPLY at each price leveL In the short term, the macroeconomic consequences of a shock are an increase in the price level and a fall in output.
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<strong>WIA</strong> – Workforce Investment Act, a student financial aid program administered by the Missouri Department of Economic Development, formerly known as the Job Training and Partnership Act (JTPA).

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bearer bond (G1)<br />A bond owned by the person currently holding it. As no endorsement is needed to transfer such bonds, there is no central register of the owners of any particular bearer bond issue. The EUROBOND 1s a major example of bearer bonds.
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<strong>Higher Education Reconciliation Act (HERA) of 2005</strong> – The portion of the Deficit Reduction Act of 2005 specifically addressing student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures.
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