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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.

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certificate of deposit (G2)<br />A marketable bank deposit receipt which has the advantage of allowing the holder to gain the higher rate of interest associated with fixed or long-term deposits. Certificates of deposit (CDs) were introduced in the USA in 1961 and grew in volume after 1973 when REGULATION Q no longer insisted that there had to be a ceiling to the rate of interest. Dollar CDs have had to be registered securities from 1983 onwards. The Eurodollar CD was introduced in London in 1966 and the sterling CD in 1968. Companies, and even banks, depositing surplus funds short term

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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>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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<strong>CDR</strong> – Cohort Default Rate. As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.

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Financial Times Actuaries All-Share Index (G1)<br />A London stock market price index designed by actuaries and compiled by the Financial Times, which began in 1962. The purpose of this index is to indicate the level of the whole UK equity market by including over 700 shares, more than 80 per cent of market capitalization.
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growth theory of the firm (Ll)<br />A hypothesis stating that a firm attempts to maximize its growth, subject to a takeover restraint. Marris and PENROSE advanced this theory as a plausible explanation of managerial behaviour. Penrose argues that there is an internal process of development in firms which leads to cumulative movements of growth or decline: this argument
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