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<strong>Last Date of Attendance (LDA)</strong> – The last day the student was physically present in class, as confirmed by the student' s attendance records. An LDA may also be referred to as an out of school date (OSD) or, if the student completed the program of study, the actual graduation date.
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product life cycle (D2)<br />The life cycle of a product from when it is an innovation, often protected by PATENTS and hence earning monopoly profits for its producer, through the stage when it is competing with substitutes to its final stage of maturity when its profitability is for the most part due to the ECONOMICS OF scALE arising from a large output. This has been used to explain trade patterns and the behaviour of MULTINATIONAL CORPORAT!ONS.<br /><em>Reference</em><br />Vernon, R. (1971) Sovereignty at Bay, ch.<br /> 2, Harmondsworth: Penguin.
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distributional/social weights (C1)<br />The increased weighting of one social or income group in COST BENEFIT ANALYSIS. This gives a group more significance: for example, if the LOWER QUARTILE of an income distribution is given a weight of 4 but the UPPER QUARTILE only 1 then costs and benefits affecting the lowest income group will be regarded as four times as important as those of the top group.
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economic summits (E6, FO)<br />Meetings of the GROUP OF SEVEN which attempt to co-ordinate the economic policies of the major world economies. These have taken place annually since the oilprice shock of 1973-4:
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coefficient of variation (C1)<br />The ratio of a STANDARD DEVIATION to an ARITHMETIC MEAN of a set of values, usually expressed as a percentage. This is a better measure of the dispersion of a set of values than the standard deviation as it can be used for different measures with different magnitudes and can cope with two measures expressed in different units, e.g. monetary and physical.
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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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compensating wage differential (J3)<br />A differential in wages or salaries created to compensate for a poor job attribute, e.g. a health hazard or variability of earnings. Firms grant these differentials to enable them to retain staff in undesirable jobs and to recruit new workers.
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charge card (G2)<br />A plastic card issued by a financial institution, such as a bank or a retailer, which allows the holder to charge the sum due for the purchase of goods or services to an account. This reduces the need to hold cash for transactions purposes and provides the holder with credit until the account is payable. Major examples of such cards include those issued by American Express and the Diners' Club.<br /><em>See also:</em> credit card; debit card

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scrip issue (G1)<br />SHARES offered as an alternative to dividends.<br /><em>See also:</em> bonus issue; rights issue

<strong>OPE ID</strong> – An 8-digit identification number, including a 6-digit number followed by a 2-digit branch code, assigned by the U.S. Department of Education' s Office of Postsecondary Education (OPE) division after approving an institution to participate in the federal student aid programs. Schools that don' t administer Title IV aid but want their students to qualify for in– school deferments are also assigned an OPE ID number.
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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 of a loan</strong> – Any change in the ownership of a loan.
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government intervention (H1, H2, L5) A series of measures undertaken by a government to achieve goals not guaranteed by a market system, i.e. fairer income and wealth distribution, PUBLIC GOODS, MERIT GOODS, improved SOCIAL WELFARE, appropriate infrastructure investment and a full equilibrium for the economy. Intervention can avoid chaos by establishing PROPERTY RIGHTS, controlling access to economic activities and regulating monetary operations. But intervention has its shortcomings: the use of price controls and the limiting of competition have often distorted markets.<br /><em>See also:</em> fine-tuning; fiscal policy; incomes policy; monetary policy; prices policy
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employers' association (J5)<br />A federation of firms of one industry which jointly engages in coLLECfiVE BARGAINING with the TRADE UNIONS representing their workers. As employers usually apply negotiated wages to all of their workers, irrespective of their union membership, collective bargaining covers a larger part of the labour force than that part which is unionized. These associations often represent their industries on other matters, e.g. proposed legislation.
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<strong>Proportional proration</strong> – A required calculation used to determine the applicable annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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cost of living adjustment (J3)<br />A provision in a US labour contract providing for automatic wage increases in line with rises in the CONSUMER PRICE INDEX. Usually abbreviated to COLA.
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Keynesian cross diagram (E1)<br />A simple macroeconomic model of the national ECONOMY derived from Keynes's General Theory which can be used to expound the theory of aggregate demand and demonstrate the effects of fiscal policy and the MULTIPLIER. Planned expenditure is plotted against national output to indicate various levels of national output for which the economy can be in equilibrium or disequilibrium. It cannot cope with the problems of inflation and monetary policy, unlike IS-LM curves.<br /><em>See also:</em> equilibrium

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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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block of shares (G1)<br />Any block of more than 10,000 shares, according to the New York Stock Exchange Rule 390. With few exceptions, this rule requires that listed stocks must be traded on the floor of the exchange, even if sold in 'blocks'.<br /> Blue Book (C8, E6, J5)<br />1 The annually published national income and expenditure accounts of the UK.<br /> 2 The document setting out the terms and conditions of a firm agreed through COLLECTIVE BARGAINING Or unilaterally imposed by an employer, e.g. the Ford Agreement.
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so further Congressional approval is needed to make some public spending changes.<br /><em>See also:</em> earmarking; ringfencing

<strong>Excel</strong> – A Microsoft spreadsheet software package. Reports available within MODEL Direct may be exported in a Microsoft Excel format.

<strong>American College Testing (ACT, Inc.)</strong> – An independent not-for-profit organization that provides assessment, research, information, and program management services in the areas of educational testing and planning, career planning, and workforce development.
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<strong>R</strong> – Code used to request a “release” on a disbursement or to indicate a released status, as defined within CommonLine file specifications.
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<strong>Origination Fee</strong> – A fee charged to offset the federal government' s cost of interest subsidies (for subsidized Federal Stafford Loans) and reinsurance payments for loans that either default or are eligible for forgiveness or discharge. This fee, if charged to the borrower, may be subtracted from the borrower' s loan proceeds at the time of disbursement.

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<strong>Late disbursement</strong> – A disbursement made by a lender after the end of the loan period or the date on which the student ceased to be enrolled at least half time.

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<strong>Office of Postsecondary Education (OPE)</strong> – A division of the U.S. Department of Education that directs, coordinates, and recommends policies for programs that are designed to provide financial assistance to eligible students. May be found on the world wide web at http://www.ed.gov/about/offices/list...ex.html?src=oc.
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<strong>Verification</strong> – A school' s procedure for checking the accuracy of information reported by students on their FAFSAs.

<strong>Disbursement date change</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. May also be referred to as rescheduling a disbursement. Within CommonLine 4 files, the disbursement date change is located within the 01-09 record.

Chancellor of the Exchequer (H1)<br />UK finance minister who is the ministerial head of the Treasury. The Chancellor is responsible for proposing changes in public expenditure and taxation, the conduct of monetary policy nationally (apart from the independent setting of interest rates) and internationally and all currency matters<br />See also: Monetary Policy Committee

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profit maximization (L2)<br />A possible goal for a firm implemented by setting prices SO that MARGINAL REVENUE equals MARGINAL COST. When, at the margin, revenue is greater than cost, total profits could be increased by further output; when costs are greater than revenue, total profits decline. In the diagram the total profits curve is plotted by calculating the vertical distances between the total costs and total revenue curves. Up to output OM total profits are increasing as marginal revenue is greater than marginal cost; after output OM marginal cost is greater than marginal revenue and so total profits decline. At OM, where total profits are at a maximum, marginal revenue is equal to marginal cost. Traditionally regarded as the central aim of the capitalist firm. & Total costs<br /><em>See also:</em> managerial models of the firm

indirect factor content (D2)<br />The total amount of the FACTORS OF PRODUCTION used in all stages of production prior to the last to achieve a particular output.
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requirements, to subscribe for new shares in proportion to their existing holdings.
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bid price (G1)<br />The selling price for UNIT TRUST units or shares of companies.

physical quality of life index (D6)<br />A measure of ECONOMIC WELFARE more sophisticated than GROSS NATIONAL PRODUCT per capita. This index, pioneered by the Overseas Development Council of Washington, DC, is based on the percentage of literacy in a population, infant mortality and life expectancy after age 1 (to avoid double counting of infant deaths). Some countries rank much lower by this index than by per capita gross national product, e.g. oil-producing countries. Critics of the index are concerned about its narrowness as there are so many other physical indicators of welfare.<br /> <br /><em>Reference</em><br /> Morris, M.D. and Alpin, M.B. (1980) Measuring the Condition of the World's Poor: The Physical Quality of Life Index, New Delhi: Promilla.
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free alongside ship (F1)<br />A type of exporter's price quotation, including delivery to a designated vehicle of the importer who then pays for subsequent transportation.

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