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vidual prices in a product group, price fixing according to a formula stating which costs can be passed on into product prices. In the UK, there were such policies in the 1960s and the 1970s under the NATIONAL BOARD FOR PRICES AND INCOMES and the PRICES COMMISSION, whose ruJes were partially inspired by the prices policy of the Nixon Administration in the USA. The main problems of such policies are that they can cause a shrinkage of profit margins and net investment, and reduce the responsiveness of price structures to changing market conditions.
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sales ratios (M4)<br />Sales as a proportion of stock, debtors, fixed assets, share capital or working capitaL
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

<strong>GEN</strong> – General Dear Colleague Letter.
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Group of Thirty (F3)<br />The Consultative Group on International Economic and Monetary Affairs Incorporated set up in 1978 with the aim of studying in depth the international dimensions of economics and finance. The group's distinguished individual members are joined in six-monthly meetings by invited outsiders. It was originally financed by the Rockefeller Foundation, now by banks and corporations.
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national wealth (EO)<br />The total assets owned by the residents of a country on a particular day. The most reliable estimates are for firms as they have to keep balance sheets. Many household assets are only valued on death so the sample of wealth statistics produced from probate sources is non-random. It could be argued that HUMAN CAPITAL estimates should be included in the national wealth as trained labour is a major national asset. But few countries are statistically ambitious enough to attempt such a measure, although it is possible to produce an estimate if a POPULATION CENSUS asks questions about educational qualifications and training.<br /><em>See also:</em> balance sheet; stock and flow concepts; wealth <br /><em>Reference</em><br />Goldsmith, R.W. (1985) Comparative National Balance Sheets. A Study of Twenty Countries 1688-1978, Chicago and London: University of Chicago Press.<br /> Revell, L.L. (1967) The Wealth of the Nation: The National Balance Sheet of the United Kingdom, 1957 61, Cambridge: Cambridge University Press.

<strong>Skip tracing</strong> – Efforts to locate a borrower' s telephone number or address when such information is unknown.

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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>Electronic Funds Transfer (EFT)</strong> – The transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
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consolidation loan (G2)<br />A loan offered by a financial institution to replace several outstanding loans of a debtor. The replacement loan will be less costly to service each month and will be over a longer period. Persons with burdensome credit card debts can use loans of this kind, often secured on residential property.
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stability of this distribution over time and considerable inequality.<br /><em>Reference</em><br />Atkinson, A.B. (1983) The Economics of Inequality, 2nd edn, Oxford: Clarendon Press.<br /> Phelps Brown, E.H. (1977) The Inequality of Pay, Oxford and New York: Oxford University Press.
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Cambridge Circus (B2)<br />Several young economists who debated with KEYNES in the early 1930s the development of his ideas in A Treatise of Money (1930) into the theories central to The General Theory of Employment, Interest and Money. The group included Joan ROBlNSON, Roy HARROD, Richard KAHN, James MEADE and Piero SRAFFA.<br /><em>Reference</em><br />Keynes, J.M. (1985) Collected Works, Vols XIII and XXIX, London: Macmillan.
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success in many places, including Hamburg, South Korea and the Caribbean, but less so in the UK in which six freeport schemes were launched in 1984. Freeports were popular as far back as the Middle Ages, when they were known as 'staples'.<br /><em>See also:</em> in-bond manufacturing
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<strong>MDHE</strong> – Missouri Department of Higher Education, the Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the DHE. The agency' s website may be found at www.dhe.mo.gov.

<strong>Higher Education Act of 1965 (HEA)</strong> – The Act which created the federal student aid programs.

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immiserizing growth (04)<br />A decline in the ECONOMIC WELFARE of a country, despite an expansion of its pro- duction and exports, brought about by a deterioration in its TERMS OF TRADE.<br /> <br /><em>Reference</em><br />Bhagwati, J.N. (1958) 'Immiserizing growth: a geometrical note', Review of Economic Studies 25: 201-5.<br /> Johnson, H.G. (1967) 'The possibility of income losses from increased efficiency or factor accumulation in the presence of tariffs', Economic Journal 77: 151-4.
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discount house (G2)<br />A financial institution of the City of London, which borrows MONEY AT CALL from banks and other institutions and invests it in TREASURY BILLS, high-quality

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employers' association (J5)<br />A federation of firms of one industry which jointly engages in coLLECfiVE BARGAINING with the TRADE UNIONS representing their workers. As employers usually apply negotiated wages to all of their workers, irrespective of their union membership, collective bargaining covers a larger part of the labour force than that part which is unionized. These associations often represent their industries on other matters, e.g. proposed legislation.

<strong>Subscription reports</strong> – Standard production reports available from the MDHE and within MODEL Direct. Subscription reports may be received daily, weekly, or monthly. To subscribe to one of these reports or to change the frequency, select the Manage Subscriptions option within MODEL Direct' s Manage Reports menu.
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<strong>Financial Aid Transcript (FAT)</strong> – An official record of federal financial aid a student has received at schools the student previously attended.
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Robinson Crusoe economy (E1)<br />An abstract model ECONOMY, based on Daniel Defoe's 1719 novel, which engages in simple capital accumulation. Although he has an initial capital endowment through salvaging goods from the shipwreck, he establishes himself as a farmer on a desert island through using ROUNDABOUT METHODS OF PRODUCTION. He learns that production is only possible when he has first attended to his security and that money is useless in an isolated economy without exchange. Robinson Crusoe has long been used as an example of an optimizing economic man who abandons AUTARKY for EXCHANGE and as the embodiment of bourgeois values, the independent modem economic man.<br /><em>Reference</em><br />Grapard, V (1995) 'Robinson Crusoe: the quintessential economic man?' Feminist Economics 1: 33-52.

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the most wary cnttc of its use as an indicator of ECONOMIC WELFARE.<br /><em>See also:</em> Stone, John Richard Nicholas <br /><em>Reference</em><br />Lundberg, E. (1971) 'Simon Kuznets' contribution to economics', Scandinavian Journal of Economics 73: 444-61.

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Chinese modernization drive (N1)<br />The SUCCessor to the CULTURAL REVOLUTION. From 1978 it attempted to achieve rapid growth of production through a ten-year plan with ambitious targets, e.g. the doubling of coal and steel output.<br /><em>Reference</em><br />Riskin., C. (1987) China's Political Econ- omy, Oxford: Oxford University Press.
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<strong>Default Aversion Assistance (DAA)</strong> – Assistance provided to a lender by the guarantor in order to prevent a delinquent loan from defaulting.

identity theft (K4)<br />Stealing the identity of a creditworthy person in order to acquire credit fraudulently.
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