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merger (G3)<br />An amalgamation of two or more firms into a new firm. A vertical merger occurs when firms in industries at different stages of bringing a good to the final consumer i.e. extractive, ma nufacturing or distribu tion, join together. If the firms are in the same industry, there is a horizontal merger. A CONGLOMERATE MERGER is an amalgamation of firms with dissimila r activities. Mergers often come in waves, particularly in times of general economic depression as a way of reducing costs, e.g. in the USA in 19031 and in the UK in the 1920s. As a high proportion of conglomerate mergers fail to make efficiency gains in RESEARCH AND DEVELOPMENT, production or marketing, it is a rgued that they are without
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<strong>Trailer</strong> – A term that comes at the end of the school' s SAY.

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<strong>CPS</strong> – Central Processing System, a company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).

<strong>Financial Aid Management System (FAMS)</strong> – Software used by the school to administer all aspects and types of financial aid. FAMS products include Datatel' s product Colleague, PeopleSoft, SCT' s product Banner, the College Board' s product PowerFAIDS, and many others.

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[KeithOP]

The tiffany blue is a Tiffany Earring[/urlovely shade for a bedroom. And, yes, it Tiffany Earings[/urlooks great with Tiffany Diamond Earrings brown, but not brown crown molding Tiffany Key Pendant and basebaords.Can you Tiffany Key Chain paint all the trim an off white and Tiffany Keys then paint the wall behind the bed chocolate and Tiffany Key the est of the walls tiffany blue?

[KeithOP]

Where did Tiffany Engagement you come with Tiffany Diamond Rings Tiffany Blue? I mean were Tiffany Wedding Rings you in a store or something. Goto Tiffany Wedding Staples or Office Depot Tiffany Diamonds or Kinkos but some store that Tiffany Diamond prints alot and they should have your Tiffany Silver color hopefully or at eally close.

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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.

is increasingly challenged in the case of flights between the countries of the EUROPEAN COMMUNITY.
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currency risk (F3)<br />The possibility of suffering a financial loss through holding a currency which falls in value. Supporters of the EURO argue that one of the principal arguments for monetary union is the reduction in this type of risk.

<strong>Recertification</strong> – A process occurring every three years through which institutional eligibility for participation in the MDHE' s state student financial assistance programs is reviewed. Institutions must complete a recertification application to maintain eligibility.

short selling (G1)<br />Selling a SECUR riY not owned by the seller who subsequently buys sufficient volume of that security to effect delivery. Such behaviour, the activity of a bear, is popular when markets are falling in price.<br /> See also: share borrowing

indirect cost recovery (D4, M2)<br />Pricing a service or activity so that ovERHEAD cosTs are covered.
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[KeithOP]

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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.

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<strong>HTML</strong> – HyperText Markup Language, the authoring language used in the creation of websites and documents for the World Wide Web. Reports available within MODEL Direct may be exported in an HTML format, allowing the information to be viewable on the screen or printed from the web browser.
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<strong>NCES</strong> – National Center for Education Statistics. The NCES is a division of the U.S. Department of Education and the Institute of Education Sciences and is the primary federal entity for collecting and analyzing data related to education. The NCES collects IPEDS data from schools.

<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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