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contemporaneous externality (D6, QO) An economic activity affecting another type of production in the same time period, e.g. bee-keeping helps fruit farming.<br /><em>See also:</em> sequential externality contestable markets thesis (Ll)<br />BAUMoL's view that competition can be maintained by the state ensuring that an industry's barriers to entry are kept low. Under such circumstances, free entry and exit will maintain the market in a competitive state. This thesis is compatible with recent UK COMPETITION POLICY.<br /><em>Reference</em><br />Baumol, W.J., Panzar, L.C. and Willig, R.D. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.

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London Traded Options Market (F1)<br />A market associated with the INTERNATIONAL STOCK EXCHANGE, founded in 1978. In 1991, it merged with the LONDON INTERNATIONAL FINANCIAL FUTURES EXCHANGE.

incentive pay scheme (J3)<br />A wage or salary system that relates all or part of employment earnings to the output of a worker. Manual (blue-collar) workers have often had the opportunity to participate in PRODUCTIVITY schemes, including being paid by the number of 'pieces' produced rather than by the amount of time supplied. Many sales staff have a high proportion of their pay in the form of commission. Managerial staff in many organizations are offered a profit-sharing scheme. Workers are most likely to increase their productivity when a new scheme is introduced - hence the suggestion that incentive schemes should be periodically replaced.

economics and psychology (D1) Psychological theory has been used in economics to improve the modelling of the motivation of economic agents, to understand how human beings behave when faced with UNCERTAINlY and to learn about the formulation of preferences. Psychology has contributed to many areas of economics, including the examination of entrepreneurship, unemployment, poverty, taxation and marketing.<br /><em>See also:</em> bounded rationality; cognitive consonance; cognitive dissonance<br /><em>Reference</em><br />Earl, P.E. (1988) Psychological Economics: Development, Tensions, Prospects, Boston: Kluwer.<br /> - - (1990) 'Economics and psychology: a survey', Economic Journal100: 718-55. MacFadyen, A.J. and MacFadyen, H.W. (eds) (1986) Economic Psychology: Intersections in Theory and Application, Amsterdam: North-Holland.
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non-profit enterprise (L3)<br />An organization, other than a firm, whose members have no private PROPERlY RIGHTS associated with it and, hence, no entitlement to profits. These enterprises, usually financed by donations, endowments or government grants, aim to maximize the quantity and quality of the service provided and to break even. In the public sector, most governmental institutions are NPEs; in the private sector, households, charitable foundations, mutual insurance companies and a variety of clubs are the major examples. The motives for establishing NPEs are various, including the provision of MERIT GooDs, the subsidization of religion and the arts and the commemoration of a major benefactor. A dislike of market mechanisms and altruistic attitudes have been fundamental to the growth of NPEs <br /><em>Reference</em><br />Gassier, R_S. (1986) The Economics of Non-profit Enterprise: A Study in Applied Economic Theory, New York and London: University Press of America Holtman, A.G. (1988) 'Theories of nonprofit institutions', Journal of Economic Surveys 2: 30-45 Rose-Ackerman, S. (ed.) (1986) The NonProfit Sector: Economic Theory and Public Policy, Oxford: Oxford University Press.
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<strong>Emergency action</strong> – A special action taken by the guarantor or by the U.S. Department of Education to temporarily suspend a school, lender, or servicer from participation in the federal student aid programs. An emergency action may be followed by the initiation of formal Limitation, Suspension, and Termination procedures.

<strong>Setting spending authority</strong> – The act of changing Bright Flight, Gallagher, and College Guarantee awards from estimated to actual in FAMOUS. Once spending authority is set, students' eligibility statuses are frozen and schools can begin requesting disbursements and award amounts.
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tinmtJes which states how many stable equilibria exist given a choice of control variables but does not indicate which of them will be in a particular system. A 'catastrophe' occurs when transition from one equilibrium to another produces instability in the system.<br /> <br /><em>Reference</em><br />Poston, T. and Stewart, I. (1978) Catastrophe Theory and its Applications, London and San Francisco: Pitman.<br /> Saunders, P.T. (1980) An Introduction to Catastrophe Theory, Cambridge: Cambridge University Press.
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instant monetarism (B2)<br />The school of thought, usually identified as the New Classical, which believes that wage and price adjustment are almost instantaneous as the wages and prices set are expected to be at the equilibrium level.<br /><em>See also:</em> gradualist monetarism
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neo-Keynesians (B2)<br />A modem refinement of KEYNESIAN macroeconomics, particularly associated with

economic paradigm (B4)<br />A major principle central to a school of economics as it provides a fundamental analytical tool of economic theorizing. MARGINAL!SM and NEOCLASSICAL ECONOMICS, for example, have been able to demonstrate the powerful applications of the marginal concept backed up by calculus. In periods when there has been great dissatisfaction with the state of economics, a cry for a new paradigm has often heard: in the 1930s the concepts of KEYNES in his

<strong>Administrative Wage Garnishment (AWG)</strong> – Process by which federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

excise duty (H2)<br />An indirect tax levied on a specific good, especially petrol, alcohol or tobacco. Duties of this kind have been an important source of government revenue in some countries, e.g. the USA, for longer than INCOME TAXES. Given the INELASTICITY of demand for these goods, they provide a reliable source of revenue. Also, the duties have been imposed as TARIFFS to protect domestic industries from the competition of imports.<br /><em>See also:</em> direct and indirect taxation

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<strong>ISIR</strong> – Institutional Student Information Record, the electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC and the results of federal database matches.
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gamma stock (G1)<br />The least active stock or share quoted on the STOCK EXCHANGE AUTOMATED QUOTATION SYSTEM.<br /><em>See also:</em> alpha stock; beta stock; delta stock

current account (F4, G2)<br />1 A bank account of a UK CLEARING BANK immediately available for making payments. In the past, bank accounts of this type never earned interest; some now do. In the USA they are known as CHECKING ACCOUNTS or SIGHT DEPOSITS.<br /> 2 A sub-account of a nation's BALANCE oF PAYMENTS accounts consisting of visible and invisible trade plus private and official current transfers; capital flows are in the separate capital account.<br /><em>See also:</em> NOW account

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<strong>Endorser</strong> – A signer of a promissory note who is secondarily liable for a loan obligation. A lender may require a PLUS applicant with adverse credit history to obtain a creditworthy endorser in order to receive the loan.
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<strong>CL</strong> – CommonLine, the FFEL Program industry' s standards by which loan and borrower information is electronically gathered, stored, and transmitted via a flat file. CommonLine file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP e-library at www.nchelp.org.

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cable (F4)<br />Transactions between the dollar and sterling in foreign exchange trading.
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