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policy credibility (E6)<br />A characteristic of a policy conducted by rational agents who have used the correct economic model and all available information when forming their expectations.<br /><em>See also:</em> new classical economics policy harmonization (E6, H2)<br />1 The alignment of the economic policies of one country with those of another. This form of economic integration can remove barriers to the movement of goods and services and factors of production. In the EUROPEAN COMM UNITY, there have been many attempts to do this, especially between countries belonging to the EUROPEAN MONETARY SYSTEM.<br /> 2 Taxation treaties between countries which establish the rules for the taxation of incomes of individuals who receive incomes from countries of which they are not residents.

<strong>CSR</strong> – Code of State Regulations. The regulations from the state of Missouri related to the Missouri Department of Higher Education and its administrative functions and authority are codified in Title 6, Division 10, Chapter 2. This is abbreviated as “6 CSR 10-2.” The Missouri CSRs may be retrieved from the secretary of state website at http://www.sos.mo.gov/adrules/csr/current/6csr/6csr.asp.
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<strong>AL</strong> – Alternative loan, the CommonLine loan type code used to identify any non federal student loan, also referred to as “private loan.”
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<strong>MARIO</strong> – Missouri Advantage Repayment Incentive Option, a student loan forgiveness program for individuals working in Missouri' s life science companies. MARIO was created by a partnership between the MDHE, MOHELA, and the Missouri Department of Economic Development.
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minimum efficient scale (D2)<br />The level of output of a firm at which the L-shaped AVERAGE cosT curve becomes a plateau of many minimum cost outputs. It is used to show the significance of ECONOMIEs oF scALE, e.g. by seeing the effect on costs of reducing the level of output to half the minimum efficient size or by comparing this level of production with the entire domestic demand for the products of that industry.

Tax Freedom Day (H2)<br />The day in the year when people in effect stop working to pay taxes. This is deter-
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<strong>Department of Higher Education (DHE)</strong> – 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 MDHE. The agency' s website may be found at www.dhe.mo.gov.
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interest elasticity of savings (E2)<br />The responsiveness of SAVINGS to a change in the RATE OF INTEREST. As in many empirical studies savings appear to be interest INELASTIC, other savings theories have been advanced, especially the LIFECYCLE approach.
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BDI (J5)<br />Bundesverrand der deutchen Industrie. A major employers' association in Germany founded in 1949 by an amalgamation of thirty-nine national industrial federations. BDI now has separate sections for the sectors of the economy.
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<strong>Task force</strong> – Former name for the State Student Financial Aid Committee. The committee is comprised of Missouri financial aid administrators and was established in February of 2005 to make recommendations to improve and strengthen Missouri' s student financial aid programs.
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<strong>Quality Assurance (QA)</strong> – Any program in business designed to help an office or procedure obtain optimal results. In systems, QA is generally used to describe systems testing prior to releasing new or enhanced software.
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<strong>Online MDHE: A resource for students and their families</strong> – a guide for getting the most out of the MDHE' s Web tools and resources. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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<strong>ESC</strong> – Electronic Standards Committee, a committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.
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basic industry (LO)<br />An industry which exports its products to other regions, thus being a major determinant of its own regional prosperity.<br /><em>See also:</em> non-basic industry <br /><em>Reference</em><br />Alexander, J. (1954) 'The basic-non-basic concept of urban economic functions', Economic Geography 30: 246 - 61.

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<strong>College Access Initiative</strong> – Included in the Deficit Reduction Act of 2005, this initiative requires guarantors to undertake activities to promote access to postsecondary education. Information and tools may cover topics such as college planning, career preparation, and paying for college and may be made available via websites, publications, or other programs.
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<strong>Private loan</strong> – A non federal student loan, also referred to as “alternative loan.” Private loans are offered to students and/or parents by many, many lenders, secondary markets, and other private entities.

<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.
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<strong>SFA</strong> – Student Financial Aid or Assistance.

<strong>POP3</strong> – Post Office Protocol Version 3, a method to permit workstations on the internet to access a mailbox server.

<strong>FFY</strong> – Federal Fiscal Year, the period of October 1st through September 30th.
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<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.

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Consumer Expenditure Survey (C8)<br />US survey of the current expenditure of US residents which began in 1979. It is used to revise the CONSUMER PRICE INDEX and is conducted by the Bureau of the Census for the Bureau of Labor Statistics. Information is collected from a panel which is interviewed five times every three months, and from records kept by participating households over a specified fortnight.
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<strong>Marguerite Ross Barnett Memorial Scholarship Program</strong> – A scholarship program established for Missouri students who are employed at least 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program. More information is available at: http://www.dhe.mo.gov/rossbarnett.shtml.
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<strong>Graduated repayment schedule</strong> – A repayment schedule under which the amount of the borrower' s payment is scheduled to change during the course of the repayment period. The graduated repayment schedule cannot exceed 10 years unless the borrower is eligible for an extended repayment period.
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Lautro (G2)<br />Life Assurance and Unit Trusts Regulatory Organization, a London-based SELFREGULATORY ORGANIZATION. One of its earliest policies, in 1987, was to recommend a cut in the commission of independent agents on the sale of life bonds from 5.2 per cent to 3 per cent over a four-year period, harmonizing the commission with the rate for the sale of UNITTRusrs.<br /><em>See also:</em> Financial Services Act 1986
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