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<strong>Proration</strong> – A reduction of the standard 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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lacking (E2, E3)<br />ROBERTSON'S term for SAVINGS.

<strong>IPEDS</strong> – Integrated Postsecondary Education Data System, an annual report filed by postsecondary educational institutions to the U.S. Department of Education. IPEDS data is submitted to the National Center on Education Statistics (NCES).
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complement (DO)<br />A good consumed in conjunction with another, e.g. petroleum with a car. Whether two goods are complements of each other can be discovered by measuring the CROSS PRICE ELASTICITY OF DEMAND between them. If the cross-elasticity is negative, then the good is a complement.<br /><em>See also:</em> substitute
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other checkable deposits (G2)<br />NOW ACCOUNTS + ATS accounts (USA).

<strong>Late conversion</strong> – The scheduling of a FFEL Program borrower' s first payment due date beyond the normal regulatory time limits.

indicator variable (E6)<br />An economic statistic which describes the current state of an economy and guides a policy-maker in his or her actions, particularly whether to deflate or reflate the economy.<br /><em>See also:</em> coincident indicators; economic indicators

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<strong>Post-Withdrawal Disbursement (PWD)</strong> – A disbursement made when the calculation for the school' s return to Title IV funds (R2T4) result in the student being eligible to receive more Title IV aid than was disbursed or delivered prior to his or her withdrawal.

excess capacity theorem (Ll)<br />The theoretical outcome of MONOPOLISTIC COMPETITION which holds that profit-maximizing firms choose a level of production that is lower and with higher average costs than under PERFECT COMPETITION. In the figure, ATC is AVERAGE TOTAL cosT, MC is MARGINAL cosT, D is demand, AR is AVERAGE REVENUE, MR is MARGINAL REVENUE, OP is the profit-maximizing price, OQ2 is the profit-maximizing output and Q1Q2 is the excess capacity. <br /><em>See also:</em> profit maximization
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paradox of costs (EO)<br />A case of higher wages being associated with higher macro profits. This occurs because higher wages cause higher household incomes in turn leading to higher demand and profits.
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<strong>H</strong> – Code used to request a “hold” on a disbursement or to indicate a hold status, as defined within CommonLine file specifications and located in the @1-09 record.
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demand deposit (G2)<br />Funds held at a bank with a notice period of less than seven days. They can take many forms, including CHECKING ACCOUNTS, certified cashier's and officer's cheques, travellers' cheques, LETTERs oF CREDIT sold for cash, withheld taxes, withheld insurance and TIME DEPOSITS whose notice of withdrawal has expired.<br /><em>See also:</em> NOW account

free list (F1)<br />Those goods that can be imported into a country without being subject to tariffs and licences.

mark-up pricing (D4)<br />The formation of a product price by adding a percentage for profit to unit average cost. A gross mark-up includes a contribution to overhead costs; a net mark-up does not, as the unit cost includes a contribution to overheads, assuming a particular output. The theory was designed as a realistic alternative to using marginal measures to calculate prices. It has been asserted that this pricing method is a major cause of COST-PUSH INFLATION.<br /><em>See also:</em>Kalecki
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<strong>Web loan delivery product</strong> – An online system that allows schools, borrowers, and/or lenders to inquire on loans or borrowers, submit change transactions, manage files, and guarantee new loans via the internet. The MDHE' s product is called MODEL Direct.
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<strong>Clock hour</strong> – A time period consisting of one of the following: 50-60 minutes of class, lecture, or recitation; 50-60 minutes of faculty supervised laboratory, shop training, or internship; or 60 minutes of preparation for a correspondence course.

footloose knowledge (03)<br />Technical knowledge not specific to any production process and which is interchangeable between industries.<br /><em>See also:</em> locked-in knowledge
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