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Prebisch-Singer thesis (F1)<br />A thesis arguing that as the TERMS OF TRADE have moved against developing countries, protection and import substitution should be used to promote industrialization in such countries. This approach was advocated as a means of reducing income inequalities between nations.<br /><em>Reference</em><br />Prebisch, R. (1950) The Economic Development of Latin America and its Principal Problems, New York: United Nations.<br /> Singer, H.W. (1950) 'The distribution of gains between investing and borrowing countries', American Economic Review 40: 473 - E5. precautionary demand for money (E4) The CASH needed to meet unforeseen expenditures. The expansion of credit facilities has reduced this demand.<br /><em>See also:</em> speculative demand for money; transactions demand for money

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grey belt (Jl)<br />An area with a high proportion of retired people in its population. In many countries, the grey belt is situated on the coastline with the best climate.<br /><em>See also:</em> ageing population
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worker, a worker's choice of a particular firm as a training establishment, and bank credit to a particular firm. Specificity increases RISK.
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<strong>Higher Education Reconciliation Act (HERA) of 2005</strong> – The portion of the Deficit Reduction Act of 2005 specifically addressing student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures.
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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)

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market prices (E3)<br />A valuation of the NATIONAL INCOME that includes indirect taxes net of subsidies.<br /><em>See also:</em> factor cost; gross national product

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Rostow, Walt Whitman, 1916- (B3)<br />US economic historian and development economist, educated at Yale and Oxford, where he was a Rhodes Scholar. He has been professor of economic history at the Massachusetts Institute of Technology since 1951 apart from an interlude at the University of Texas in 1961-9. His celebrated non-Marxian account of the process of industrialization in The Stages of Economic Growth (1960) was further developed in several works, including The Economics of Take-off into Sustained Growth (1963), The World Economy: History and Prospect (1978) and Why the Poor Get Richer and the Rich Slow Down (1980). His NEOCLASSICAL approach to economic history was to inspire much of the later econometric analysis of long time series.<br /><em>See also:</em> industrial revolution; stages theory; take-off <br /><em>Reference</em><br />Rostow, W.W. (1971) The Stages of Economic Growth: A Neo-communist Manifesto, 2nd edn, Cambridge: Cambridge University Press.

<strong>CDA</strong> – Central Disbursing Agent, a lender, servicer, guarantor, or other entity that combines disbursement funds and data from multiple origination sources and issues a single EFT transfer and disbursement roster to the school.
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employment rate (EO, J2)<br />The proportion of the LABOUR FORCE employed. This alternative to the unemployment rate is used to estimate the level of demand in a national economy.<br /><em>See also:</em> activity rate; labour force participation rate
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acceleration clause (GO)<br />A clause in many mortgage agreements making the PRINCIPAL and interest immediately payable on the occurrence of an event such as failure to make payments on time or to keep a covenant.
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<strong>Ability to benefit</strong> – Basis on which a student without a high school diploma or GED may qualify for federal student aid. To demonstrate the ability to benefit from a program of study, a student must take a test that is approved by the U.S. Department of Education.

<strong>SFY</strong> – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.
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Celtic tiger (PO)<br />Ireland, because of its exceptional economic and employment growth among OECD countries. GDP growth averaged over 9 per cent annually in the 1994 - E period and unemployment fell by nine percentage points. There was labour force and labour productivity growth. Merchandise trade grew to 25 per cent of GDP and the fiscal surplus to 1.75 per cent of GDP Although European Union funds and foreign inward investment contributed to economic growth, there was no overriding policy plan which drove the economy forward.

output floor regulation (L5)<br />An alternative to PRICE CAP REGULATION. This requires a regulated firm to produce a minimum output. Under this form of regulation profit is usually lower than under price regulation. The two forms of regulation coincide under a monopoly.<br /> <br /><em>Reference</em><br />Weitzmann, M.L. (1974) 'Prices vs. quantities', Review of Economic Studies 41: 477-91.
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<strong>Interest</strong> – The charge made to a borrower for use of a lender' s money.
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regional policy (R5)<br />Measures to reduce the imbalance in prosperity between the regions of a particular country, particularly between the region around the capital city and peripheral provinces.<br /> 2 Government aid to especially deprived cities, inner cities and other relatively small parts of a country. & Many countries have used incentives to encourage the location of expanding industries in the depressed regions and to reduce the POPULATION DENSITY of major cities. In the UK a succession of measures since 1929 to subsidize the GEOGRAPHICAL MOBILITY OF LABOUR, the building of factories, the training of workers and the payment of RATES have been used. Regional policies are measured by the number of jobs created in depressed regions and by the extent of convergence in interregional incomes, unemployment rates and rates of output growth. Regional policy is most active in times of fast national economic growth as it is then easier to finance assistance to regions.<br /><em>See also:</em> enterprise zone; growth pole <br /><em>Reference</em><br />Diamond, D.R. and Spence, N.A. (1983) Regional Policy Evaluation: A Methodological Review and the Scottish Example, Aldershot: Gower Press.<br /> Folmer, H. (1986) Regional Economic Policy. The Measurement of its Effect, Dordrecht and Lancaster: Nijhoff. Vanhove, N. (1999) Regional policy: A European approach, 3rd edn, Aldershot, Brookfield, VT and Sydney: Ashgate.

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<strong>Coordinating Board for Higher Education (CBHE)</strong> – The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.

<strong>Higher Education Reconciliation Act (HERA) of 2005</strong> – The portion of the Deficit Reduction Act of 2005 specifically addressing student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures.

big push (04)<br />A theory of simultaneous economic development in several sectors. RosensteinRodan asserted that for economic development to succeed there should be, as a minimum, several large investment projects in different industries in order to secure INCREASING RETURNS TO SCALE from !NDIVISIBILITIES in production. It was hoped that the scale of such development would reduce divergences between private and social products. However, the lack of resources of many Third World countries made it unlikely that so ambitious a scheme would be implemented.<br /><em>Reference</em><br />Rosenstein-Rodan, P. (1943) 'Problems of industrialization in Eastern and southeastern Europe', Economic Journal 53: 202-11.

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<strong>Adjusted Gross Income (AGI)</strong> – Adjusted Gross Income, an income figure on federal tax returns used to perform need analysis and verification.

<strong>Award Letter</strong> – Schools send award letters to students indicating the type(s) and amount(s) of financial aid awarded, or packaged, each year. Under 34 CFR 668.16(h), the school is required to provide information about the sources and amounts of aid offered.
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<strong>MLN</strong> – Missouri Learners' Network, an organization that shares information, promotes educational opportunities provided by Missouri schools, and refers students to participating institutions for educational programs, courses, and learner services.

<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.
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<strong>LOA</strong> – Leave of Absence, an approved break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.
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<strong>Assignment</strong> – Language placed on or attached to the promissory note indicating a change or transfer of loan ownership (e.g., when a loan is sold by a lender to a secondary market).
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