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<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.

marginal rate of substitution (D1)<br />The amount of one good which a consumer receives as compensation for giving up one unit of another good. It is equal to the ratio of the MARGrNAL UTILITIES of two goods and is represented by the slope of an rND!FFERENCE CURVE.<br /><em>Reference</em><br />Hicks, J.R. (1939) Value and Capital, ch. 1, Oxford: Oxford University Press. marginal rate of transformation (D2) The reduction in the amount of output of good X as a consequence of an additional unit of a related good Y being produced; the slope of the PRODUCTION POSSIBILITY FRONTIER. This marginal rate is equal to the marginal cost of Y divided by the marginal cost of X.

gunslinger (G1)<br />A fund manager seeking high returns by investing in high-risk stocks.

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Baran, Paul, 1910-64 (B3)<br />Leading US Marxist economist of Russian descent who was educated at the Universities of Berlin and Harvard. During 1940-7, he worked in the US Office of Strategic Services, and was Professor of Economics at Stanford University from 1948 to 1964. His exposition of Marxist economics included theories of MONOPOLY CAPITAL and DEPENDENCY.<br /><em>Reference</em><br />Baran, P. (1957) The Political Economy of Growth, New York: Monthly Review Press.<br /> Baran, P. and Sweezy, P.M. (1966) Monopoly Capital: An Essay on the American Economic and Social Order, New York: Monthly Review Press.

where X is exports and M is imports, the multiplier is 11[1 - (MPC + MPM)], with MPM the marginal propensity to import.<br /><em>See also:</em> balanced budget; employment; foreign trade multiplier; money multiplier; regional multiplier; super multiplier<br /><em>Reference</em><br />Hansen, A.H. (1948) Income, Employment and Public Policy: Essays in Honor of Alvin H. Hansen, New York: Norton.

labour standard (E4)<br />The value of money in terms of labour. HICKS asserted that after the abandonment of the GOLD STANDARD in 1931, which had determined wages within a given monetary framework, MONETARY POLICY adjusts the equilibrium level of wages to the actual leveL Thus the value of money is the consequence of the behaviour of the wage-fixing institutions of a state. The labour standard is a national standard, unlike the international GOLD STANDARD. Hicks's Jong interest in LABOUR ECONOMICS ensured that he took into account both econom1c and social determinants of wages.<br /><em>See also:</em> commodity reserve currency <br /><em>Reference</em><br />Hicks, JR. (1955) 'The economic foundations of wage policy', Economic Journal 65: 389-404.

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prime rate of interest (E4)<br />The rate of interest that US commercial banks charge small and medium-sized firms for borrowing. Historically, this was the interest rate the most creditworthy customers of banks were charged but with the development of the COMMERCIAL PAPER market, the largest customers borrow below the prime rate.<br /><em>See also:</em> base rate

optimum currency area (F3)<br />The group of countries ideally covered by one currency or by a number of linked currencies, e.g. the EUROPEAN MONETARY SYSTEM. The necessary conditions for an optimum area include wage and price flexibility and mobility of capital and labour. The social and political unity of the area is more important than its size. Setting up an area with a coMMON cuRRENCY brings about the adjustment costs of extra unemployment, reductions in residents' income and wealth and migration, which can be financed out of a joint FISCAL POLICY for the area_<br /><em>See also:</em> European Monetary System <br /><em>Reference</em><br />Ishiyama, Y (1975) 'The theory of optimum currency areas: a survey', International Monetary Fund Staff Papers 22: 344-83 Mundell, R.A. (1961) 'A theory of optimum currency areas', American Economic Review 51: 657-65.

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<strong>COOL</strong> – College Opportunities OnLine, a college locator tool offered online by the U.S. Department of Education' s National Center for Education Statistics. The site is located at the following url: http://www.nces.ed.gov/ipeds/cool/.
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holding company (L2)<br />A company consisting of a parent company and a number of subsidiary companies of which it is the majority owner. See also: bank holding company; H-form; pyramiding

<strong>Accrued interest</strong> – Each day interest is calculated on the unpaid principal balance of a loan and increases (accrues). Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan.

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tion of natural increase and LABOUR FORCE PARTICIPATION RATES.<br /><em>See also:</em> homework; unemployment

<strong>Income-sensitive repayment schedule</strong> – A repayment schedule for some FFEL Program loans under which the borrower' s monthly payment amount is adjusted annually, based solely on the borrower' s expected total monthly gross income received.
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<strong>School-Based Software (SBS)</strong> – Software used by the school to certify loans and generate or load CommonLine files. SBS is often used by schools that do not have a FAMS or for which the FFEL Program module of their FAMS is not used.

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Caribbean Community (FO)<br />A common market with agricultural and industrial integration founded in 1973 in succession to the Caribbean Free Trade Area (1968-73). The members are Anguilla, Antigua, Barbados, Belize, Dominica, Grenada, Guyana, Jamaica, Montserrat, St Kitts-Nevis, St Lucia, St Vincent, Trinidad and Tobago.

exchange rate premium (F3)<br />The difference between the forward exchange rate and the expected future spot exchange rate.
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<strong>FAFSA</strong> – Free Application for Federal Student Aid, the form the student must complete to apply for federal Title IV financial assistance and for Missouri need-based aid programs. The FAFSA may also be completed on the web at the following url: http://www.fafsa.ed.gov/.
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Clearing House Interbank Payments System (G2)<br />New York automated clearing facility for transferring dollars between major US banks, branches of foreign banks and some subsidiaries of out-of-state banks. CHIPS, for short.
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market space (M3)<br />The total amount of customer spending with a particular company. It depends on the proportion of a customer's income available to the company and on the range of products the customer is willing to buy.<br /><em>See also:</em> market share
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small firm (L2)<br />A FIRM often defined as having less than 200 employees and managed by its owner. Despite the growth in the size of firms in the twentieth century, there is still a role for small businesses where the market is
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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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above the line (H5, M3)<br />1 A type of expenditure and revenue of a government. For UK budgets from 1947 to 1963, it referred to spending out of current tax revenue.<br />2 A firm's expenditure on direct advertising.<br />3 The items in the summary UK balance of payments which are within the current and capital balances.<br /><em>See also:</em> below the line

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Goods and services accounts Production account Generation of income account Distribution of income account Use of income account Capital account Financial account.

<strong>PIN</strong> – Personal Identification Number.

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