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The Source – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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Electronic signature (e-sign) – Information in electronic format that is attached to or logically associated with an electronic record and used by a person with the intent to sign the electronic record. Students, parents, and borrowers may electronically sign the FAFSA, a FFEL Program loan application, or other student aid document.
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single-union deal (J5) An agreement between an employer and a TRADE UNION which excludes other unions from organizing workers in that firm or its workplaces. This simplification of INDUSTRIAL RELATIONS has increasingly been requested by firms setting up new plants and is accepted by trade unions who fear that the alternative is a non-union plant. Japanese-owned companies have been major pioneers of this approach in the UK where it was deeply resented by the trade unions who often were rejected as recognized representatives of workers. Countries with INDUSTRIAL UNIONS, e.g. Germany, or ENTERPRISE UNIONS, e.g. Japan, have long accepted the principle of one union in charge of worker representation. Reference Bassett, P. (1986) Strike Free: New Industrial Relations in Britain, London: Macmillan.
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Custom Reports – A reporting feature within MODEL Direct allowing reports to be created on demand with customized filter criteria and with real-time data.

CSR – Code of State Regulations. The regulations from the state of Missouri related to the Missouri Department of Higher Education and its administrative functions and authority are codified in Title 6, Division 10, Chapter 2. This is abbreviated as “6 CSR 10-2.” The Missouri CSRs may be retrieved from the secretary of state website at http://www.sos.mo.gov/adrules/csr/current/6csr/6csr.asp.
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Unsolicited response file – A CommonLine file containing “M records,” or modification records sent in response to status updates and changes made by a source other than a school' s CTSF.
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internal search (J6) The job search by an employer limited to his/her own labour force. This method of recruitment operates either by inducing existing workers to switch from their present to different jobs or by getting their present employees to pass on to friends and relatives notice of internal vacancies. This approach to hiring has become more common through the growth of INTERNAL LABOUR MARKETS.

Write-off – A loan amount for which there has been a total cessation of collection activity.
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Financial literacy – The ability to read, analyze, manage, and communicate about the personal financial conditions affecting material well-being. This term is used to describe financial education programs on college campuses and within high schools. The objective of financial literacy programs is to help students better manage their finances, budget effectively, and borrow wisely.
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job search (J6) All the activities by employers and workers to fill vacant jobs. Advertisements, informal recommendations, head-hunting by specialized personnel agencies and publicly financed employment agencies are the principal channels used. See also: search cost; search unemployment
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NOLA – Notice of Loan Approval, a paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.

Branch code – A code assigned to a school' s branch campus to clearly identify it and its associated loans or other aid program amounts from the institution' s main campus. A 2-digit branch code is assigned by the U.S. Department of Education as a part of its 8-digit OPE ID. A 4-digit branch code is used within the header record of CommonLine files.

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Branch code – A code assigned to a school' s branch campus to clearly identify it and its associated loans or other aid program amounts from the institution' s main campus. A 2-digit branch code is assigned by the U.S. Department of Education as a part of its 8-digit OPE ID. A 4-digit branch code is used within the header record of CommonLine files.

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Regulation B – The section of the Equal Credit Opportunity Act (12 CFR 202) that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ######, marital status, or age.

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reverse causation hypothesis (E4) The view that the level of national income determines the size of the money stock, i.e. money has a passive role. This view, which was fervently advanced by KALDOR and Joan ROBINSON, is a frontal attack on the QUANTITY THEORY OF MONEY and the USe of the TRANSMISSION MECHANISM in modern MONETARIST theory which asserts that money has an effect on real variables, particularly output and employment.
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CSR – Code of State Regulations. The regulations from the state of Missouri related to the Missouri Department of Higher Education and its administrative functions and authority are codified in Title 6, Division 10, Chapter 2. This is abbreviated as “6 CSR 10-2.” The Missouri CSRs may be retrieved from the secretary of state website at http://www.sos.mo.gov/adrules/csr/current/6csr/6csr.asp.

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A+ Schools Program – 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.

EFT – Electronic Funds Transfer, the transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.

Financial Aid Director (FAD) – A staff member at an eligible school who heads the financial aid office.

effective tax rate (H2) The average rate of tax levied on gross personal income. This rate for companies refers to taxation as a proportion of VALUE ADDED.

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Martineau, Harriet, 1802-76 {B3) Leading popularizer of economics in England in the mid-nineteenth century. Born in Norwich, the daugh ter of a Unitarian cloth manufacturer, she studied SMITH, RICARDO and MALTHus from the age of 14 and was inspired to write on political economy ments of goods and finance for by MARCETs' popular works. Severe deafreconstruction. It was given to these countries, members of the ORGANIZATION FOR ECONOMIC CO-OPERATION AND DEVEWPMENf, as part of the European Recovery Programme and was administered by the European Co-operation Administration. The recipient countries were expected to follow orthodox economic policies to control inflation, get their exchange rates at the right level and adjust their domestic policies to achieve an externa l balance. It was hoped that Marshall Aid would avoid a major world depression after the Second World War. The gift of US dollars to Europe enabled European countries to finance imports from the USA, but the dolla r gap was slow to disappea r and the amount of Marshall Plan assistance far ness forced her to adopt a literary career, which she successfully did with her twentyfou r pa rt Illustrations of Political Economy, Fables with Morals, beginning with an account of life in the wilds of South Africa. This work followed the typical classical division of the subject into production, distribution, exchange and consumption, and gained her a reputation as a female Malthusian. She said that the research materials she used were 'the standa rd works on the subject of what I then took to be a science'. See also: female economists; Malthus Reference Fox, C. (1883) Harriet Martineau's Autobiography, 2 vols, London: Virago Press.

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Change transaction – Any change made to a loan or disbursement post guarantee. Change transactions are defined within the CommonLine Change Send File (CTSF) and are categorized into pre-disbursement (@1-09) and post-disbursement transactions (@1-10). In Missouri, the term “loan maintenance” is used to describe change transactions.
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analysis of 1838 considered two firms making an identical product, each aiming to maximize its profits on the assumption that the other firm kept its output constant. He proved that equilibrium would be reached with equal division of the market and the charging of the same price, a price lower than a monopolist's price but higher than under PERFECf COMPETITION. See also: Bertrand duopoly model; Cournot duopoly model; spatial duopoly model; Stackelberg duopoly model

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