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<strong>FTP</strong> – File Transfer Protocol, a standard internet protocol that allows the transmission of data files.

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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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distribution (D3, L8)<br />1 The division of the NATIONAL !NCOME among the FACTORS OF PRODUCTION in the form of WAGES, PROFITS, !NTEREST and RENT. TURGOT, in his Reflections sur la formation et la distribution des richesses (1766), was probably the first economic writer to examine the distribution as a separate issue. Despite John Stuart MILL's attempt to separate the laws of production from the laws of distribution, there has always been an intimate relationship between distribution and other economic theories. Socialist economists have made the study of distribu- tion a major concern.<br /> 2 The distribution of one type of income between persons or between groups.<br /> 3 The last stage of production in which goods or services reach final consumers.<br /><em>See also:</em> labour's share of national income; post-Keynesians

<strong>NAACP</strong> – National Association for the Advancement of Colored People.

<strong>POP3</strong> – Post Office Protocol Version 3, a method to permit workstations on the internet to access a mailbox server.
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Marshallian demand curve (DO) MARSHALL's graphical representation of a demand schedule showing the relationship between two variables, price and quantity demanded, assuming that any other determinants of demand remain the same as prices change. FRIEDMAN and others have discussed the implications of the ceteris paribus assumptions, especially the difficulty of keeping real income constant as prices change.<br /><em>Reference</em><br />Friedman, M. (1953) Essays in Positive Economics, pp. 47-99, Chicago and London: University of Chicago Press.<br /> Marshall, A. (1920) Principles of Economics, 8th edn, Book 3, ch. 3 and Mathematical Appendix, London: Macmillan
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<strong>Professional Judgment (PJ)</strong> – The flexibility given to a financial aid administrator to make adjustments to student eligibility for federal Title IV aid and for Missouri state aid on a case-by- case basis.
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<strong>U.S. National</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island.

overaccumulation (E2)<br />Investing too much so that current consumption has to be reduced; investing in projects with low rates of return.
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population policy (Jl)<br />Co-ordinated government measures to achieve a desired size, structure and rate of growth of population. Many population policies regard the birth rate as the key control variable as it is the major cause of rapid population growth or decline. If population growth is outstripping a country's economic development, as in China, birth control and rules on the maximum family size are introduced. If population decline is of concern to a country, e.g. because of a shortage of young men to maintain the size of a national army, fiscal inducements including lower taxes are offered to increase average family size. Whatever the rate of growth of population, there are often policies to change the geographical distribution of population in order to equalize population density between regions, e.g. the creation of NEW TOWNS in the UK.<br /><em>See also:</em> regional policy <br /><em>Reference</em><br />United Nations (1982) World Population Trends and Policies: 1981 Monitoring Report, Vols 1 and II, New York: United Nations.
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<strong>Separation date</strong> – Another term for a student' s OSD (out of school date) or LDA (last date of attendance).
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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.
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<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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<strong>Title IV</strong> – The section of the Higher Education Act of 1965, as amended, that authorizes federal student loan, work, and grant programs.
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

prime rate of interest (E4)<br />The rate of interest that US commercial banks charge small and medium-sized firms for borrowing. Historically, this was the interest rate the most creditworthy customers of banks were charged but with the development of the COMMERCIAL PAPER market, the largest customers borrow below the prime rate.<br /><em>See also:</em> base rate
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<strong>PRCN</strong> – Program Review Control Number.
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<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.

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conflicting claims approach to inflation (E3)<br />Attributing INFLATION to the total wage claims of workers exceeding the total income available.<br /><em>Reference</em><br />Rowthorn, R.E. (1977) 'Conflict, inflation and money', Cambridge Journal of Economics 1: 215-39.

mortgage bond (GO)<br />A securitized form of a loan backed by a mortgage. These bonds have been created by investment institutions selling off their outstanding home loans to another company which finances the purchase by a bond issue (often a Eurobond). The borrower continues to pay interest to the original lender who then passes on the interest to service the coupon on the bonds which have been issued. SECURITIZATION increases the amount of mortgage lending, without the original lenders having to increase their capital. Also, BUILDING sociETIES and housing loan associations become
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<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.
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