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<strong>Source, The</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

<strong>Notice of Loan Approval (NOLA)</strong> – A paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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Bank Charter Act 1844 (E5, N2)<br />UK statute which was the last major nineteenth-century attempt to regulate the UK banking system by the creation of new rules for the operation of the Bank of England, particularly through control of the note issue. The Bank was divided into an Issue Department responsible for the note issue and a Banking Department engaged in other bank activities. The Bank's note issue was limited to a 'fiduciary issue' of ?14 million (backed by government securities) and the remainder was backed by gold which rose and fell in amount according to international transactions. The Act also regulated the seventy-two country banks which had rights of note issue: not until 1921 did the Bank have a monopoly of note issue in England and Wales (Scotland retained its separate banking system with a number of banks having the power to issue banknotes after the Act of Union in 1707). The rigidity of the Act necessitated its suspension during several trade depressions. However, it did represent a triumph for the thinking of the CURRENCY SCHOOL.

'Macroeconomics when markets do not clear', in W Branson (ed.) Macroeconomic Theory and Policy, ch. 16, New York: Harper & Row.<br /> Samuelson, P. (1939) 'Interactions between multiplier analysis and the principle of acceleration', Review of Economic Statistics 21(May): 75-8.

advance corporation tax (H2)<br />An interim settlement of UK corporation tax. If a company makes a qualifying distribution of earnings, e.g. by distributing a dividend, during its accounting period, it pays a proportion of the amount of the dividend as an advanced payment of tax which will later be deducted from its tax liability for that period. The proportion levied varies from year to year but has often been about 30 per cent.

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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.

<strong>Deficit Reduction Act of 2005</strong> – Legislation signed into law by President Bush in February of 2006. The portion of the legislation impacting student financial aid provisions, including student loan interest rates and fees, consolidation rules, school as lender, and other policies and procedures, is referred to as the Higher Education Reconciliation Act (HERA) of 2005.
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risk-based premium (G2)<br />An insurance premium that varies according to the riskiness of the subject of the insurance. The past record of the party insured and of persons with similar characteristics is the main determinant of the premium.

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<strong>ATOM</strong> – Automated Transfer of Money, the MDHE' s free disbursing service.

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<strong>Repayment period</strong> – The period during which payments of principal and interest are required. The repayment period follows any applicable in-school or grace period (for Stafford Loans) and excludes any period of authorized deferment or forbearance.
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<strong>Missouri Department of Higher Education (MDHE)</strong> – The Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including FFELP loans and state aid programs such as the Bright Flight Scholarship. Sometimes referred to as the DHE. The agency' s website may be found at www.dhe.mo.gov.

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Cash Management Bill (E5, G1)<br />US treasury bill with very short maturity that is sold occasionally by the US Treasury to boost the Treasury's cash balance.

ergonomics (J2)<br />The scientific study of the physical methods of work with the aim of minimizing effort and maximizing output. Inspired by the study of the practical problems of using military equipment in the Second World War, it became a recognized discipline in 1949. Much work has been done on the appropriate ways of displaying information, on the study of machine controls and on the relationship between a worker and the physical environment.<br /><em>Reference</em><br />Singleton, WT. (ed.) (1982) The Body at Work, Cambridge: Cambridge University Press.
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1938 he contributed to the emerging macroeconomics of KEYNES by participating in the CAMBRIDGE CIRCUS. His subsequent career was spent at the League of Nations (1940-7), as professor of commerce at the London School of Economics (1947-57) and at Cambridge as professor of political economy (1957-67). He was awarded the NOBEL PRIZE FOR ECONOMICS in 1977, with OHLIN, for his work on international trade. In wartime, with Richard STONE, he produced National Income and Expenditure (1944), a book which influenced much of post-war NATIONAL INCOME accounting. Subsequent books on international economics, especially Theory of International Policy (1951, 1955), clearly expounded the leading aspects of the subject, e.g. his examination of the relationship between a country's INTERNAL AND EXTERNAL BALANCES which has become a standard tool of macroeconomic analysis. Like the leading economists of the nineteenth century, he produced his Principles of Political Economy (four volumes, 196576). Numerous other works include those on CAPITAL THEORY, wealth distribution and INCOMES POLICY. In 1978 he chaired the Meade Commission on 'The Structure and Reform of Direct Taxation'.<br /><em>Reference</em><br />Howson, S. and Moggeridge, D. (eds) (1988-90) The Collected Papers of James Meade, Vols I-IV, London: Unwin Hyman.<br /> Johnson, H.G. (1978) 'James Meade's contribution to economics', Scandinavian Journal of Economics 80: 64-85.
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