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renewable resource (Q2)<br />A NATURAL RESOURCE that, because of its biological nature, is self-renewing, e.g. game, fish, woodland. A greater yield can be obtained from it by growing it in an artificial environment as, for example, in a fish farm.<br /><em>See also:</em> non-renewable resource

<strong>CDR</strong> – Cohort Default Rate. As defined within 34 CFR 668.181</strong> – 668.198 (subpart M), the percentage of Stafford Loan borrowers who default before the end of the fiscal year following the fiscal year in which they entered repayment on their loans. The U.S. Department of Education calculates this rate annually for each school participating in the federal student loan programs. The most recent period for which final CDRs have been published is 2004. Schools may also obtain their draft CDR for 2005.
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<strong>Term-based school</strong> – A school that uses standard academic terms, such as quarters, trimesters, or semesters.
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<strong>FT</strong> – Full Time, an enrollment status indicating the student is carrying a full academic workload as determined by the school.
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employment rate (EO, J2)<br />The proportion of the LABOUR FORCE employed. This alternative to the unemployment rate is used to estimate the level of demand in a national economy.<br /><em>See also:</em> activity rate; labour force participation rate
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acceleration clause (GO)<br />A clause in many mortgage agreements making the PRINCIPAL and interest immediately payable on the occurrence of an event such as failure to make payments on time or to keep a covenant.
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The view that justice is 'fairness' is based on two principles. Firstly, that each person is entitled to the most extensive amount of liberty compatible with the liberty of others. Secondly, that the arrangement of social and economic inequalities is such that they are reasonably expected to be to everyone's advantage and attached to positions and offices open to alL<br /><em>See also:</em> utilitarianism <br /><em>Reference</em><br />Daniels, N. (ed.) (1975) Critical Studies on Rawls' :4. Theory of Justice', Oxford: Basil BlackwelL
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overshooting price (DO)<br />A price which in the short run over-adjusts to changing market conditions and thereby overshoots the long-run price.

<strong>MDHE Digest</strong> – The Missouri Department of Higher Education' s monthly electronic newsletter. To sign up for this publication, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.
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<strong>Refund</strong> – The difference between the amount the student paid toward school charges and the amount the school can retain under a refund policy. The federally mandated calculation is referred to as R2T4. (See also Return of Title IV funds.) Within CommonLine file specifications, refunds are requested by submitting the CTSF @1-11 transaction.

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<strong>M record</strong> – Modification record, a record type that may be included in unsolicited CommonLine response files, if requested. An “M record” is sent in response files to indicate status updates and changes made by a source other than the school' s CTSF (Change Transaction Send File).

<strong>Plain Language Disclosure statement</strong> – Document providing FFEL Program terms and other information in “plain language” (instead of jargon).

<strong>Nonsubsidized loan</strong> – A loan that is not eligible for federal interest benefits. (Note: nonsubsidized loans were offered by some guarantors before the introduction of the unsubsidized Stafford Loan Program.)

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a country's balance of payments and, consequently, its exchange rate. An overvalued exchange rate leads to a CURRENT AccouNT balance of payments deficit and bearish speculative capital movements; an undervalued exchange rate creates a current account surplus and an influx of capital. Volatile exchange rates and volatile interest rates coincide.<br /><em>Reference</em><br />Isard, P. (1978) Exchange Rate Determination: A Survey of Popular Views and Recent Models, Princeton, NJ: International Finance Section, Department of Economics, Princeton University.<br /> Stein, J.L. et al. (1997) Fundamental determinants of exchange rates, 2nd edn, Oxford and New York: Clarendon Press.<br /> Witteveen, H.J. (1982) The Problem of Exchange Rates, New York: Group of Thirty.
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loanshark (G2, K4)<br />A person lending money at exorbitant rates of interest usually to borrowers with no collateral and no access to conventiona l lenders such as ba n ks. This form of lending has long been a major activity of organized crime.

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<strong>Electronic Funds Transfer (EFT)</strong> – The transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.

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More specific measures of these include the level of consumption of coNSUMER DURABLE goods, migration rates to suburbia, a rate of increase in enrolments in higher education greater than the rate of increase of real income and disproportionate increases in outlays for medical care. protean economy (PO)<br />1 A changing ECONOMY which is moving from one pattern of economic activities and production methods to another.<br /> 2 An economy in which ENTREPRENEURS are constantly transforming inputs, outputs, their relationships with each other and the nature of industries.
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<strong>NASSGAP</strong> – National Association of State Student Grant and Aid Programs.

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<strong>Statutory interest rate</strong> – The maximum annual interest rate under the Higher Education Act of 1965, as amended, that a lender may charge on a FFEL Program loan.

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at-will employment contract (J5)<br />A labour contract under which an employer can lawfuJiy dismiss or retain an employee whether the reason is good or not.

Pink Book (FO)<br />UK BALANCE OF PAYMENTS accounts.
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<strong>CTSF</strong> – Change Transaction Send File, the CommonLine file type used to send change transactions to guarantors, lenders, and/or servicers so that FFEL Program loans may be updated. CTSFs are divided into pre-disbursement transactions (@1-09) and post-disbursement change transactions (@1-10).

<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.
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<strong>AWG</strong> – Administrative Wage Garnishment; federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

financial institutions have resorted to small Commonwealth countries such as the Bahamas and a number of islands, including the Channel Islands and the Isle of Man. (The USA regards banking activities in every foreign country, including the UK, as 'offshore'.) The principal activities of offshore banks are the management of investment trusts and participation m Eurodollar and Eurobond markets.
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contracting (DO, KO)<br />Forming an agreement to supply a factor of production or a product.<br /><em>See also:</em> employment contract; tendering

<strong>Recognized equivalent of a high school diploma</strong> – A recognized equivalent of a high school diploma may be a GED certificate, the academic transcript of a student who has successfully completed a 2-year program of study acceptable toward a bachelor' s degree, or has obtained other state certifications/requirements.

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