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with a lack of opportunity for, or restricted access to, paid employment.<br /><em>See also:</em> labour force
<strong>School-Based Software (SBS)</strong> – Software used by the school to certify loans and generate or load CommonLine files. SBS is often used by schools that do not have a FAMS or for which the FFEL Program module of their FAMS is not used.
Tax Freedom Day (H2)<br />The day in the year when people in effect stop working to pay taxes. This is deter-
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