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<strong>Federal Fiscal Year (FFY)</strong> – The period of October 1st through September 30th.
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<strong>Electronic Access Conference (EAC)</strong> – An annual conference sponsored by the U.S. Department of Education.

<strong>FT</strong> – Full Time, an enrollment status indicating the student is carrying a full academic workload as determined by the school.

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Model Tax Convention (H2)<br />The OECD's consensual rules for taxing income and capital to avoid double taxation and the consequential discouragement to investment. This guide, first published in 1992 and regularly updated, has been the basis for over 1,500 tax treaties throughout the world.

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inflation targeting (E5)<br />Setting as the goal for a CENTRAL BANK the achievement of price inflation at or below a prescribed rate. New Zealand in 1990 was the first to adopt this policy; Canada, the UK, Sweden and Australia were next to adopt targeting. In the USA the FEDERAL RESERVE under the EMPLOYMENT ACT 1946 has a broader remit which includes both economic growth and the control of inflation.<br /><em>See also:</em> Monetary Policy Committee (UK)

overnight money (E4)<br />Short loans of one to three days' duration by banks to the money market. In London this is the major source of finance of the DlSCOUNf HOUSES.
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right-to-work state (J5)<br />US state which has made it illegal to require a worker to join a us LABOR UNION. Most of these twenty states are in the South.<br /> ringfencing (H5) see earmarking

free market (D4)<br />A market in which buyers and sellers are free to contract on whatever terms they wish without governmental interference.

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<strong>MOHELA</strong> – Missouri Higher Education Loan Authority, Missouri' s designated FFELP secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFELP and private loans. Additionally, MOHELA provides Missouri students with significant repayment benefits, including deeply discounted interest rates when the MDHE is the guarantor. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri. May be found on the world wide web at www.mohela.org.

<strong>Independent student</strong> – A student who meets one or more of the federal criteria to be classified as independent for aid awarding purposes. Criteria under section 480(d) of the HEA include: • Age 24 by December 31 of the academic year • Graduate or professional student • Married student • Student with legal dependents • Veteran • Orphan or ward of the court
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<strong>FAT</strong> – Financial Aid Transcript, an official record of federal financial aid a student has received at schools the student previously attended.

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Proposition 13 (H2)<br />A proposition made binding on the State of California (USA) in 1978 to reduce the amount of taxation on residential property. It was believed that residential property owners were paying an unfair amount of taxation compared with business. The proposition reduced the assessed values of
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regional multiplier (R1)<br />The number of times the income or employment of a region will multiply as a consequence of an increase in AUTONOMous EXPENDITURES.<br /> TWo approaches are often used: the economic base multiplier and the modified KEYNESIAN approach. The economic base approach assumes that regional income can be divided into two pa rts -what a rises from the BASIC IN DUSTRIES of the region and what springs from other regional industries. This multiplier is then calculated as I /(1 - s) with s the ratio of income earned in the non-basic sector to total regional income, i.e. the regional mul tiplier is<br />1 1 - ( 1 - t )( c - m )<br />with t the income tax rate, c the ma rginal propensity to consume and m the ma rginal propensity to import. There are many problems in calculating this multiplier, including the fact that basic industries may vary greatly in the extent to which they export to other regions. The KEYNESIAN approach merely applies a national multiplier formula to a region. A multiplier for a particular region is usually smaller than that for the national economy of which it is part as regions are more open, thus suffering from leakages of expenditures to other regions.<br /><em>See also:</em> multiplier

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debt restructuring (GO)<br />Changing the MATUR!T!ES of the debts of a government or a firm so that it is easier to service them. Restructuring often takes the form of lengthening the maturity of debt. It is allowed by creditors who would otherwise have little prospect of receiving interest and repayment of the PRINCIPAL
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coincident indicators (E3)<br />Measures of economic activity used by economic forecasters to track cyclical movements in the ECONOMY. The main ones used are employment in non-agricultural enterprises, personal income less transfer payments. and indices of total industrial production and manufacturing and trade sales.<br /><em>See also:</em> economic indicators
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division of labour (D2)<br />Specialization of productive activity either by persons in different occupational groups undertaking particular tasks or by

DEVALUATION of a currency with a fixed exchange rate On the BALANCE OF PAYMENTS current account. It is based on the observation that initially after devaluation, before there can be responses to the changed import and export prices, the total cost of imports will be higher and the total value of exports lower. An appreciation of a currency, conversely, will produce an inverted J-curve. The curve plots the balance of payments current account balance against time (in the figure, td is the date at which devaluation occurs).

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