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neo-Marxists (B2)<br />A group of economists, especially Mandel and Sweezy, who have tried to reinterpret MARX in the light of more recent economic thought, including KEYNEs's.<br /><em>Reference</em><br />Mandel, E. (1968) Marxist economic theory, London: Merlin Press.<br /> Sweezy, PM. (1968) Theory of capitalist development: Principles of Marxian political economy, New York and London: Modem Reader Paperbacks.
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<strong>ACT</strong> – American College Testing, a college assessment test administered by ACT, Inc.
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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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Financial Times Actuaries All-Share Index (G1)<br />A London stock market price index designed by actuaries and compiled by the Financial Times, which began in 1962. The purpose of this index is to indicate the level of the whole UK equity market by including over 700 shares, more than 80 per cent of market capitalization.
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<strong>Aggregate loan limit</strong> – The borrower' s maximum allowable unpaid principal amount throughout the student' s academic career. Capitalized interest or any collection costs that may have been added to the principal balance are not included in the borrower' s aggregate loan limit.

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<strong>Nelnet</strong> – A for-profit FFEL Program secondary market and servicer that originates, disburses, services, and purchases FFEL Program loans.
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.

<strong>DAAR</strong> – Default Aversion Assistance Request, the request sent by the lender to the MDHE to request DAA when a borrower is more than 60 days delinquent.
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

<strong>OERI</strong> – Office of Educational Research and Improvement, a division of the U.S. Department of Education. The Education Sciences Reform Act of 2002 renamed this office the Institute of Education Sciences (IES).
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chaos theory (DO, G1)<br />An analysis of random movements applied to the price data of stock and currency markets, as well as to meteorology. Chaotic behaviour appears random in that changes in prices or other economic variables show no regular periodicity and are not part of a structure detectable by statistical tests. However, more sophisticated tests offer a chance of identifying underlying non-linear mathematical structures.<br /><em>See also:</em> butterfly effect <br /><em>Reference</em><br />Baumol, WJ. and Benhabib, J. (1989)<br />'Chaos: significance, mechanism and economic applications', Journal of Economic Perspectives 3: 77-105.<br /> Gleick, J. (1988) Chaos Making a New Science, London: Heinemann.<br /> Grauwe, P. de and Vansauten, K. (1990)<br />'Deterministic chaos in the foreign exchange market', Paper 370, London: Centre for Economic Policy Research.<br /> Savit, R. (1988) 'When random is not random: an introduction to chaos in market prices', Journal of Futures Markets 8: 271
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<strong>FWS</strong> – Federal Work-Study Program, a campus-based Title IV student employment program administered by the school. FWS is a need-based program.

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full-set industrial structure (Ll)<br />A complete range of all industrial sectors at a high level of development. Japan achieved this range and level, unlike the more specialized countries of Europe.<br /><em>See also:</em> autarky
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social opportunity cost of foreign exchange (F3)<br />The effective local currency cost to a country of the foreign exchange it spends plus the effective local currency yield to it of the foreign exchange it generates by exporti ng and by IMPORT SUBSTITUTION.

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one hundred per cent reserve banking (G2)<br />A form of banking which maintains a bank's total volume of deposits (liabilities) equal to reserve assets. Under this system, a bank is unable to make advances through credit creation. Although such banking can resist RUNS oN A BANK, it makes little profit through not holding illiquid bills, bonds and loans.<br /><em>See also:</em> Fisher; fractional reserve banking

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Cassel, Karl Gustav, 1866-1945 (B3) After studying mathematics at Uppsala University, Sweden, he became a professor of economics at Stockholm University in 1902. He was a founder of modern Swedish economics, especially noted for Theory of Social Economy (originally published in 1918) and monetary writings. He rejected both labour and MARGINAL UTILITY theories of value in favour of a price theory which he also applied to his study of the RATE OF INTEREST. He relied on the QUANTITY THEORY oF MONEY in his monetary economics and was anti-Keynesian. His pupils included OHLIN and MYRDAL.<br /><em>Reference</em><br />Mitchell, W.C. (1969) Types of Economic Theory, Vol. 2, ch. 16, New York: Augustus M. Kelley.

<strong>Payment period</strong> – The basis on which a school must schedule and deliver disbursements for a particular loan period. A payment period is determined by the structure of the school' s academic program.

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<strong>Federal Reserve</strong> – The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

shutdown price (DO)<br />A minimum price equal to the short-run average VARIABLE cosr. Below this price, firms would prefer to shut down rather than accept a lower price and incur losses, including payments needed to cover FIXED COSTS.

Combination Acts (J5)<br />UK legislation of 1799 and 1800 which, like the Common Law, outlawed TRADE UNION membership and activities amounting to conspiracy. The repeal of these Acts in 1824 made possible the organization of labour in England.

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<strong>Enrollment status</strong> – The status indicating whether a student is enrolled full time (FT), half time (HT), or less than half time (LTH). Other enrollment statuses may include an approved leave of absence (LOA), never enrolled (X), graduated (G), withdrawn (W), or deceased.

grandfathering (QO)<br />Distributing tradable permits to pollute according to countries' existing levels of emissions of pollutants.

<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.

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