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reservation wage (J3)<br />The minimum wage a worker is prepared to accept. The magnitude of this wage will depend on a worker's previous wages. In job search, a worker will continue to seek job offers until a job at or above the reservation wage is offered.<br /><em>See also:</em> minimum supply price of labour

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<strong>HTML</strong> – HyperText Markup Language, the authoring language used in the creation of websites and documents for the World Wide Web. Reports available within MODEL Direct may be exported in an HTML format, allowing the information to be viewable on the screen or printed from the web browser.

<strong>DCL</strong> – Dear Colleague Letter, a communication from the U.S. Department of Education that explains, clarifies, or provides guidance regarding federal regulations and statutes.
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pork barrel legislation (H5)<br />US federal legislation that grants federal money to projects non-essential in character and of benefit to small areas in the hope of maintaining voters' loyalty. As most of the taxpayers financing this expenditure do not benefit because of its connections with specific localities, it is usually only possible to pass such legislation by including it in wider bills of national appeal and by LOGROLLING.
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inter-industry trade (F1)<br />Trade in different goods and services between different industries, e.g. the exchange of agricultural products for machines. Trade of this kind occurs most often between ECONOMIES at different stages of development, especially between countries of the FIRST and THIRD WORLDS. Increasingly trade between developed countries, e.g. within the OECD, has become INTRA-INDUSTRY TRADE. Within a national economy, inter-industry trade flows are shown in an INPUT OUTPUT ANALYSIS.

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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.

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Mill, James, 1773-1836 (B3)<br />Born in Montrose, Scotland, the son of a cobbler and educated at Montrose Academy and Edinburgh University where he studied divinity and learned economics from Dugald Stewart. Licensed in 1797 to preach in the Church of Scotland and an itinerant preacher until he went to London in 1802 and took to journalism becoming editor of The Literary Journal and St James's Chronicle. His first work on economics was Essay of the Impolicy of Bounty on the Exportation of Grain (1804) and he acquired more fame with Commerce Defended (1807). He became an ardent disciple of BENTHAM who gave him much financial support necessary in his early years to bring up nine children. He personally tutored his eldest son JOHN STUART MILL. James Mill's History of British India (181 7) helped him to gain an assistant examinership at the East India Company: he rose to the top post of Chief Examiner and was succeeded by his illustrious son. He encouraged RICARDO in his writing of his Principles of Political Economy (1817).

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<strong>FP</strong> – Type of Dear Colleague Letter addressed to FFEL Program participants.

military Keynesian ism (E6)<br />The maintenance of a high level of AGGREGATE DEMAND by huge government expenditures on defence. This has been used as a description of the US economy post-1945.
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muni (H7)<br />US municipal bond.

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shadow director (G3)<br />A person who has a considerable influence over a company without being a registered director.
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jobs-based analysis (JO)<br />A mixed approach to the study of work, wages and labour markets using a cluster of theories, including TOURNAMENT MODELS, hierarchies, HEDONIC WAGE analysis, job investment, insurance and work sharing.<br /><em>Reference</em><br />Lazear, E.P. (1995) 'A jobs-based analysis of labor markets', American Economic Review 85: 260-5.

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stress test (G2)<br />A test of CAPITAL ADEQUACY related to an optimal debt-equity funding mix. For a bank this shows the capacity of the bank's capital to absorb potentially large losses. As a result of the test, there is an estimate of the amount of risk-free collateral required.
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cheque (G2)<br />A written instruction for transferring a bank deposit from one person to another. In the nineteenth century, the cheque gradually replaced banknotes and BILLS OF EXCHANGE as a means of settling claims. Today, cheque cards have made the cheque even more acceptable. The usage of the cheque for moneta ry transactions varies from country to country, being especially popular for non-cash transactions m France.<br /><em>See also:</em> debit card; eftpos

<strong>Suspension</strong> – Suspension of the eligibility of a school, lender, or servicer to participate in a guarantor' s programs for a specified period of time until specified requirements are met.

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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.
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closed economy (F1, PO)<br />An ECONOMY which does not engage in international trade. There are no economies of this type in the world today but countries such as Japan were closed to foreigners for centuries. The concept is important theoretically to construct simple macroeconomic models uncomplicated by international trade.<br /><em>See also:</em> autarky; open economy
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leisure (J2)<br />The alternative to work. LABOUR FORCE PARTICIPATION decisions are determined by the trade-off between work and leisure. Leisure confers UTILITY.
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capital-augmenting technical progress (03)<br />Technical progress which increases output even though the rate of investment remains the same as measured in machine hours.
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<strong>Unsubsidized loan</strong> – A loan that is not based on need and is NOT eligible for federal interest benefits. The borrower is responsible for the interest that accrues on any unsubsidized loan, including unsubsidized Federal Stafford Loans, Federal PLUS Loans, and Graduate PLUS Loans.

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<strong>Servicer</strong> – An entity that enters into a contract with a program participant to administer any aspect of its participation in a Title IV program. Schools, lenders, secondary markets, guarantors, and the federal government may all employ servicers. MOHELA, Nelnet, and Sallie Mae are all FFEL Program servicers operating in the state of Missouri.
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contingency claims contracting (J3) see employment contract
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