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<strong>Response File</strong> – The CommonLine file type used to return responses to application send files and change transaction send files. A response file contains a snapshot of the processor' s database after processing an application for guarantee or after posting a change transaction. A response file generally contains “R records” but may also contain “M records,” if desired.
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cottage industry (LO)<br />An industry whose production takes place in workers' homes. Handloom weaving before the INDUSTRIAL REVOLUTION was organized in this way; now, NETWORKING and TELECOMMUTING are home based.<br /><em>See also:</em> domestic system; home production; homework ; networking economy; proto-industrialization
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common external tariff (F1)<br />The tariff protecting a free-trade area, e.g. the EUROPEAN COMMUNITY. Some countries outside the area may be permitted to have privileged access, e.g. those Third World countries allowed by the LOME CONVENTION to export to European Community countries preferentially.<br /><em>See also:</em> customs union
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buffer stock (E4, F3)<br />1 An accumulation of a commodity for the purpose of stabilizing its world price. The stock built up provides a means of intervention, particularly in the markets for metals, oil and agricultural produce. Buffer stock managers buy in the commodity in times of falling prices and sell when prices are rising. But there are limits to the efficacy of buffer stocks - for example, the major price fall of tin in 1985 was so cataclysmic that the managers were unable to prevent it. Governments have financed many of these stocks to maintain the incomes and employment of primary producers.<br /> 2 A cash balance which can absorb unexpected variations in expenditure and mcome.<br /> <br /><em>Reference</em><br />Laidler, D. (1984) 'The buffer stock notion in monetary economics', Economic Journal (Supplement) 94: 17-34.
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<strong>Disbursement date</strong> – The date loan funds are issued to the school or escrow agent. For a paper check, the disbursement date is the date the check is issued. For an electronic funds transfer via ACH or wire, the disbursement date is the date the funds are transferred from the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also issue funds directly to the borrower.)
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<strong>HTML</strong> – HyperText Markup Language, the authoring language used in the creation of websites and documents for the World Wide Web. Reports available within MODEL Direct may be exported in an HTML format, allowing the information to be viewable on the screen or printed from the web browser.
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<strong>LLR</strong> – Lender of Last Resort, a student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.

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<strong>NOLA</strong> – Notice of Loan Approval, a paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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<strong>Academic Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Award Year.)

eftpos (G2)<br />Electronic funds transfer at point of sale, i.e. automatic debiting of customers' bank or credit card accounts. This is the major method of introducing the cashless society but unlikely to replace the present variety of payment methods.<br /><em>See also:</em> debit card

ment monopoly on the issue of paper currency is a cheaper form of government borrowing than the issue of interest-bearing bills. Circulating Annuities (1800) also suggested a new type of paper currency, and in True Alarm (1801) he contributed to the raging BULLIONIST CONTROVERSY of the period by tracing the effects of excessive country bank issues on prices, as well as enunciating a theory of value based on utility. Of the Balance of Trade (1801) attacked MERCANTILISM, Defence of a Maximum (1801) advocated price controls for grain and Institute of Political Economy (1801-4) set out his views on the role and limits of government policy, as well as discussing whether political economy is an art or a science.<br /><em>Reference</em><br />Dinwoody, J. (1989) Bentham, Oxford: Oxford University Press.<br /> Stark, W (1955)Jeremy Bentham's Economic Writings, London: Allen & Unwin.

<strong>ALAS</strong> – Auxiliary Loans to Assist Students. This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.
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<strong>Application</strong> – 1) The paper form or the information provided online/electronically to initiate a FFEL Program loan. Electronic versions of the application include MODEL Direct, CommonLine application send files, etc. 2) An eligibility determination for the state student assistance programs administered by the MDHE.
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<strong>Region VII</strong> – The local office of the U.S. Department of Education, located in Kansas City, MO.

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