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marginal social damage (QO)<br />The total cost, private and non-private, to society of producing another unit of a good or service injurious to people and the environment, e.g. a chemical works with pollutant by-products will increase the private costs of its owner and also any member of society coming into contact with the pollution. There is no incentive to abate pollution if the marginal cost of abatement is greater than the marginal social damage.<br /><em>See also:</em> marginal cost of abatement; marginal private damage

<strong>FYE</strong> – First year experience, a term used related to students' first year in attendance at a postsecondary institution.
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at the money (G1)<br />The state of an OPTION where its UNDERLIER equals its STRIKE PRICE.
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<strong>Repayment start date</strong> – the date the repayment period begins. For Stafford Loans, the repayment period begins on the day following the last day of the grace period. For PLUS Loans, repayment begins on the date the loan is fully disbursed. (PLUS Loans are, however, eligible for an in-school deferment when the borrower is enrolled at least half time.)
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restrict exports to a country with trade deficits as a means of protecting its industries.
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<strong>Trailer record</strong> – The ending portion of a CommonLine file. The trailer record contains a summary of the preceding records, including totals, and is used to verify transmissions. In CommonLine file specifications, the trailer record is documented as @T.

<strong>Treasury bill (T-bill)</strong> – A note or bill issued by the U.S. Treasury as legal tender for all debts. The T-bill is used to calculate variable interest rates for federal student loans made prior to July 1, 2006, and to determine special allowance rates.

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currency revaluation (F3)<br />A deliberate increase in the price of a currency with a fixed exchange rate. This is undertaken to reduce a balance of payments surplus. Revaluation is often urged by countries in deficit to enable them to compete more easily in international markets. As a consequence of a revaluation, a CENTRAL BANK suffers losses from the fall in value of its foreign exchange holdings: taxpayers ultimately bear these losses as central banks are usually owned by governments.
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<strong>Federal Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.

European Unit of Account (E4)<br />A basket of the currencies of the member COUntries of the EUROPEAN ECONOMIC COMMUNITY. Each currency is weighted according to its standing and amount in circulation.<br /><em>See also:</em> ecu

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mortgage (GO)<br />Literally a 'dead pledge'; in practice a charge over property given to a lender so that a borrower can raise finance either to effect the original purchase of it or to acquire funds for other purposes. This centuries' old legal device has made possible the financing of mass house ownership throughout non-socialist economies.<br /><em>See also:</em> adjustable rate mortgage; building society; collateralized mortgage obligation; equity-linked mortgage; mortgage bond; mortgage strip; thrift

<strong>Electronic Access Conference (EAC)</strong> – An annual conference sponsored by the U.S. Department of Education.

<strong>MOBIUS</strong> – Missouri Bibliographic Information User system, a consortium of academic libraries. May be found on the world wide web at http://mobius.missouri.edu/.

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means destiny or fate. Lotteries are as ancient as Moses' in the Book of Numbers, chapter 26, and Julius Caesar's to fund repairs to Rome. Several major US universities and the British Libra ry used lotteries to raise initial funding. Today many US states have their own lotteries. A national lottery was reintroduced in the UK in 1994. Within three years 70 per cent of the population were regularly playing the game and 13 per cent of the gaming market had been secured by the lottery. A private consortium, Camelot, has run the lottery for a f ee of 1 per cent of the sales revenue. It has distributed 50 per cent of the take in prize money and 28 per cent has been devoted to 'good causes' not otherwise funded by the government, especially sport and the arts. Lottery fever has always provoked concern as the gullible poor can ruin themselves through buying tickets. The odds of winning the jackpot in the UK lottery, 14 million to 1, illustrate the view of Adam Smith: 'the chance of gain is naturally overvalued, we may learn f rom the universal success of lotteries' (Wealth of Nations, Book I, ch. X, Part I).
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principalship (GO)<br />Part of a bond or mortgage entitling the owner to receive payment of the amount originally lent.
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linear regression (C1)<br />The relationship between two variables which approximates graphically to a straight line.<br /><em>See also:</em> least squares method

<strong>State Student Financial Aid Committee</strong> – A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as “the state aid program task force.” )

Fourier, Charles, 1772-183 7 (B3)<br />Born at Besan9on, France, the son of a linen draper. After an education at a Jesuit school he studied law at the local university before being forced to become a draper as a condition of an inheritance. His experience in a cavalry regiment in 1794-5 gave him a lifelong horror of social turmoiL He collected ideas on the nature of society to create a total science based on gratifying and harmonizing all human passions. His ideal community, the Phalanstery, was tried near Paris but failed through lack of finance. He opposed the principle of the division of labour as he believed everyone has a passion for variety and pointed out the oppression of women. His leading work was The Theory of the Four Movements (1808).<br /><em>See also:</em> Owen, Saint-Simon <br /><em>Reference</em><br />Beecher, J. (1986) Charles Fourier. The Visionary and His World, Berkeley, CA, and London: University of California Press.

<strong>Funds</strong> – Any monies or commitment to provide money, including checks, electronic transfers via ACH or wire.

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