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<strong>Automated Transfer of Money (ATOM)</strong> – The MDHE' s free disbursing service.

collective good (H4)<br />A PUBLIC GOOD allocated by political decisions, not by the market.

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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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<strong>NAACP</strong> – National Association for the Advancement of Colored People.

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<strong>Aid Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Academic Year or Award Year.)
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annualized-hours system (J2, J3)<br />A form of labour contract under which a worker agrees to work for a year of working weeks; an alternative to the standard working week. The annual number of hours is calculated by aggregating the previous weekly hours, less leave. It is a useful system for avoiding substantial overtime and other premium payments. Continuous-process industries were among the first to use this system.

<strong>FY</strong> – Fiscal Year, an annual budgetary period. A fiscal year may defined as a calendar year or other period, such as a State Fiscal Year (July 1-June 30) or Federal Fiscal Year (October 1– September 30).
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East Asian economic crisis (E3, G1, N1, PO)<br />The crisis of 1997-8 in the financial sector of five Asian countries: Indonesia, South
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<strong>ALAS</strong> – Auxiliary Loans to Assist Students. This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.
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seasonal unemployment (J6)<br />The state of being without a job for a few months of a year because of month-tomonth fluctuations in demand for labour of a particular industry. In the hotel and agricultural industries, especially, there is this type of unemployment.
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hedonic output (D2)<br />Output measured in terms of both quantity and quality. References Spady, R. and Friedlaender, A.F. (1978)<br />'Hedonic cost functions for the regulated trucking industry', Bell Journal of Economics 9 (Spring): 59-79.

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agent bank (G2)<br />A bank which arranges with a consortium of banks a credit facility for a borrower.

<strong>Recall (of a claim)</strong> – A lender request to a guarantor to return a default claim that has already been filed but has not yet been paid because the claim no longer qualifies for default.

<strong>USCIS</strong> – U.S. Citizenship and Immigration Services, a division of the Department of Homeland Security (DHS). On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS) and renamed it the USCIS.

fixed rates to variable rates for lending. To assess a domestic banking system a commonly used indicator is the trend in the prices of the stocks and shares of issued bank securities as these reflect investors' confidence.<br /><em>See also:</em> banking; derivative domestic system (D2)<br />A primitive form of production in which MERCHANT CAPITALISTS advance capital to self-employed craftworkers and artisans who, using their own simple tools, make a product. Before the Industrial Revolution in Great Britain, the textile industry was organized in this way.<br /><em>Reference</em><br />Lewis, M.K. and Davis, K.T. (1981) Domestic and International Banking, Cambridge, MA: MIT Press; Hemet Hempstead: Philip Alan.<br /> See also: advanced organic Asiatic mode of production; dustry; homework
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share economy (Gl, J3, P4)<br />1 An ECONOMY whose industry is widely owned through the distribution of EQUriY shares to employees and other small shareholders.<br /> 2 The sharing of the revenues of a firm with its employees.<br /><em>See also:</em> wider share ownership
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<strong>Code of State Regulations (CSR)</strong> – The regulations from the state of Missouri related to the Missouri Department of Higher Education and its administrative functions and authority are codified in Title 6, Division 10, Chapter 2. This is abbreviated as “6 CSR 10-2.” The Missouri CSRs may be retrieved from the secretary of state website at http://www.sos.mo.gov/adrules/csr/current/6csr/6csr.asp.

<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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