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cheque (G2)<br />A written instruction for transferring a bank deposit from one person to another. In the nineteenth century, the cheque gradually replaced banknotes and BILLS OF EXCHANGE as a means of settling claims. Today, cheque cards have made the cheque even more acceptable. The usage of the cheque for moneta ry transactions varies from country to country, being especially popular for non-cash transactions m France.<br /><em>See also:</em> debit card; eftpos

churning (G1)<br />1 Cancelling an existing insurance policy and purchasing a new one as a replacement.<br /> 2 Frequent changes in a portfolio of securities. Commission-hungry life insurance agents and stockbrokers often propose a rapid turnover of this kind.
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marginal social cost (DO, QO)<br />The extra cost to society of one unit of output.<br /><em>See also:</em> externality; marginal private cost
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second-generation product (M3)<br />A product in many respects similar to an existing product capturing its market from it In science-based industries such as pharmaceuticals, a new drug is often supplanted by a related compound. The cost and riskiness of industrial research has increased because of the need to extend a product range to replace supplanted products.
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<strong>New borrower</strong> – A borrower who has no outstanding balance on any FFEL Program loans at the time he or she signs or e-signs a FFEL Program MPN.

<strong>Forbearance</strong> – A period of time during which the borrower is permitted to temporarily cease making loan payments or to reduce the amount of the payments. The borrower is responsible for all interest that accrues during the forbearance period, for all loan types.
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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.

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contemporaneous externality (D6, QO) An economic activity affecting another type of production in the same time period, e.g. bee-keeping helps fruit farming.<br /><em>See also:</em> sequential externality contestable markets thesis (Ll)<br />BAUMoL's view that competition can be maintained by the state ensuring that an industry's barriers to entry are kept low. Under such circumstances, free entry and exit will maintain the market in a competitive state. This thesis is compatible with recent UK COMPETITION POLICY.<br /><em>Reference</em><br />Baumol, W.J., Panzar, L.C. and Willig, R.D. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.
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bid price (G1)<br />The selling price for UNIT TRUST units or shares of companies.

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grants economics (H3)<br />A type of economics examining both twoway transfers (exchanges) and one-way transfers (grants). To understand grants is to be able to comprehend the nature of much of fiscal policy, as it is concerned with providing TRANSFER INCOMES for persons who exchange nothing for them, and of expenditure programmes which create social goods. This type of economics is also useful in the analysis of international aid.<br /><em>Reference</em><br />Boulding, K.E. (1973) The Economy of Love and Fear: A Preface to Grants Economics, Belmont, CA: Praeger.
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<strong>Three times rule</strong> – The federal requirement that no single installment of a graduated or income-sensitive repayment schedule may be more than three times greater than any other installment.
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<strong>Non-term-based institution</strong> – A school that measures its academic year in credit or clock hours rather than academic terms such as quarters or semesters.
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primary ratio (M4)<br />The ratio of operating profit to capital employed.

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performance-related pay (J3)<br />An INCENTIVE PAY SCHEME which attempts to link all or part of an employee's remuneration to the achievement of output and output-related goals instead of to the amount of time supplied by an employee to a firm. It is hoped by firms with performance-related pay (PRP) schemes that turnover, profits, loyalty to the firm and quality of work done will increase and that industrial unrest and ABSENTEEISM will diminish.<br /><em>See also:</em> profit-related pay
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debt policy (H7)<br />The course of action taken to manage a country's NAT!ONALDEBT. The official approach often adopted is to maintain market conditions so as to maximize the present and future demand for government debt, but such a policy stance may be in conflict with credit/interest rate policy.
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<strong>FDF</strong> – Federal Default Fee, a loan program fee required by the Deficit Reduction Act of 2005 to offset the risk of default and its subsequent costs. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent default fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as by a lender or servicer). Also referred to as DFee.

<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.

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