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<strong>Financial need</strong> – The student' s COA (Cost of Attendance) less the EFC (Expected Family Contribution). The resulting amount is used to determine a student' s eligibility for most of the federal student aid programs as well as some state and institutional aid programs.
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<strong>Blue Book, The</strong> – Department of Education manual providing guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for the federal Title IV student financial aid programs. The most recent edition is dated October 2005 and may be retrieved from the IFAP website (http://www.ifap.ed.gov/bbooks/102005BlueBook.html).

Local Enterprise Agency (R5)<br />An agency in the UK financed by private sector firms to help potential entrepreneurs to set up in business. This aid chiefly takes the form of free specialist services.
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specific risk (G1)<br />The RISK uniquely associated with an individual asset.
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<strong>Federal Register</strong> – A federal government publication that lists regulations, regulatory amendments, notices, and proposed regulatory changes for all federal executive agencies.

<strong>MOHELA</strong> – Missouri Higher Education Loan Authority, Missouri' s designated FFELP secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFELP and private loans. Additionally, MOHELA provides Missouri students with significant repayment benefits, including deeply discounted interest rates when the MDHE is the guarantor. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri. May be found on the world wide web at www.mohela.org.
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zero-infinity dilemma (Q2)<br />A problem in environmental economics when the probability of damage is small but the impact of a pollutant is potentially large.
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frequency polygon (C1)<br />A graph of the frequency of classes of a distribution often constructed by joining the midpoints of the tops of the rectangles in a HISTOGRAM.<br /><em>See also:</em> frequency curve

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accelerated depreciation (H2)<br />An initial depreciation allowance greater than the annual wear and tear of a fixed capital asset. For an asset with an expected life of ten years, under the straightline method of depreciation the value of the asset would be deemed to depreciate by 10 per cent per year. But under accelerated depreciation, the value of the asset could perhaps be depreciated by 20 per cent in the first year. Governments have used this fiscal device to encourage private sector investment.
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is increasingly challenged in the case of flights between the countries of the EUROPEAN COMMUNITY.

investment climate (E6)<br />The mood or level of business confidence. This will affect the rate of investment in an economy.<br /><em>See also:</em> animal spirits; economic climate

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export promotion (F3)<br />A set of measures, usually taken by a national government, to subsidize the marketing overseas of domestically produced goods and to guarantee foreign payments for them.
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<strong>Proportional proration</strong> – A required calculation used to determine the applicable 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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supported on the grounds that it separated the risk of unsold stock Gobber's risk) from the risk of unpaid accounts (broker's risk). This distinctive arrangement of the London market was replaced by a system of MARKET-MAKERS.<br /><em>See also:</em> Big Bang

Saudi Arabian Monetary Agency (E5)<br /> An Arab banking organization founded in 1952 to perform the functions of a CENTRAL BANK but called an agency because of the association between 'a bank' and payments for interest which is condemned by Islamic law. SAMA is now responsible for the coinage and note issue of Saudi Arabia, the supervision of commercial banks and the fiscal operations of the government.<br /><em>See also:</em> Islamic banking; usury <br /><em>Reference</em><br />Abdeen, A.M. and Shook, D.W (1984) The Saudi Financial System in the Context of Western and Islamic Finance, Chichester: Wiley. Saudi Arabia in 1977 used this approach to change the ownership of foreign-owned commercial banks.<br /><em>See also:</em> multinational corporation; public enterprise
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preference share (GO)<br />Fixed interest shares with first entitlement to a company's earnings after the payment of interest on DEBENTURES. Cumulative preference shares accumulate unpaid interest for payment at a later date.
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factor tax (H2)<br />A tax levied on a particular income-earning FACTOR OF PRODUCTION. Taxes on capital, taxes on residential and commercial property and taxes on employment are important examples.

pension (H2, 13)<br />1 A replacement of employment earnings for retired persons. It can take the form of a flat rate benefit or be related to previous earnings and be arranged by a government or firm or financial institution. Pensions can be financed from an insurance fund or on a 'pay-as-you-go' principle with contributions and government grants financing the payout of benefits.<br /> 2 A regular payment by a government to a person for distinguished service or achievements, e.g. to a soldier or a writer.
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state monopoly capitalism (P2)<br />A type of economic system, particularly the SOVIET-TYPE ECONOMY, in which the state owns all the means of production (except for a few minor services and agricultural enterprises) and exploits scale economies by running each branch of production as a state-owned monopoly. MARX regarded such a stage of economic development as the prelude to full communism when the state itself would wither away.<br /><em>See also:</em> monopoly capitalism <br /><em>Reference</em><br />Cowling, K. (1982) Monopoly Capitalism, London: Macmillan.<br /> Fine, B. and Martin, A. (1984) Macroeco- nomics and Monopoly Capitalism, Brighton: Wheatsheaf.
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<strong>SAT</strong> – Scholastic Aptitude Test, administered by the College Board.
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Lena