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endowment insurance (G2)<br />A form of insurance which provides for a fixed sum of money to be paid on a specified date, or at death.
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Modigliani, Franco, 1918- (B3)<br />Italian-born US economist who was educated at the University of Rome and the New School for Social Research. In his early career, he taught at the University of Illinois, Carnegie Institute of Technology and Northwestern University. From 1962 he has been a professor at the Massachusetts Institute of Technology. A major aspect of his work has been to relate coRPORATE FINANCE to MACROECONOMICS, making it possible to see the impact of business finance on real variables. All students of economics are aware of his life-cycle approach to the ffiNSUMPTION FUNCTION. He was awarded the NOBEL PRIZE FOR ECONOMICS in 1985 <br /><em>Reference</em><br />Modigliani, F. (1980-9) The Collected Works of Franco Modigliani, 3 vols, Cambridge, MA, and London: MIT Press.

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<strong>Reinstatement (of borrower Title IV eligibility)</strong> – A process by which a borrower with a defaulted FFEL Program loan may regain eligibility for Title IV aid by adhering to strict repayment requirements.

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monkey (E4)<br />Five hundred units of a currency, e.g. of the dollar or pound sterling.
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market anti-inflation plan (E3)<br />A proposal to keep the general price level stable but individual prices flexible by a system created by legislation which would issue sales rights to firms. These rights would equal current net sales at pre-existing prices, corrected for changes in a firm's capital and labour inputs and the average growth in national productivity. Relative prices could change by a firm buying sales rights unused by other firms. See also: incomes policy; Lerner; prices policy<br /><em>Reference</em><br />Lerner, A.P and Colander, D.C. (1980) MAP: A Market Anti-inflation Plan, New York: Harcourt Brace Jovanovich.

<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.
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bottom-up linkage model (RO)<br />An interregional model of a national economy which aggregates the values of regional variables. The quality of these models in many countries is affected by shortages of regional data.<br /><em>Reference</em><br />Ballard, K.P., Gustely, R.D. and Wendling, R. (1980) NRIES. Structure, Performance and Applications of a Bottomup Interregional Econometric Model, Washington, DC: Bureau of Economic Analysis.
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credit enhancement (G1)<br />A technique for improving the creditworthiness of a security or asset-backed debt. The collateral can be larger than the debt, or losses can be underwritten.

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<strong>Base year</strong> – For need analysis purposes, the calendar year preceeding the award year.
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block of shares (G1)<br />Any block of more than 10,000 shares, according to the New York Stock Exchange Rule 390. With few exceptions, this rule requires that listed stocks must be traded on the floor of the exchange, even if sold in 'blocks'.<br /> Blue Book (C8, E6, J5)<br />1 The annually published national income and expenditure accounts of the UK.<br /> 2 The document setting out the terms and conditions of a firm agreed through COLLECTIVE BARGAINING Or unilaterally imposed by an employer, e.g. the Ford Agreement.

droit de suite (K2, M3)<br />A directive approved by the European Parliament and European Commission in June 2001 that the authors of works of art should benefit from the resale of their artistic work; not to be fully implemented until 2010. The fees charged will be according to five bands of selling prices with the lowest band giving the artist 4 per cent of the value of the sale and the highest 0.4 per cent.
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<strong>INS</strong> – The U.S. Immigration and Naturalization Service. On March 1, 2003, the INS transitioned into the Department of Home Security (DHS) and was renamed the U.S. Citizenship and Immigration Services (USCIS).

<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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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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<strong>Federal Work-Study Program (FWS)</strong> – A campus-based Title IV student employment program administered by the school. FWS is a need-based program.

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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flex mex (Q2)<br />Methods rich countries employ to attempt to achieve reduction targets for green- house gas em1ss1ons. These methods include investing in reductions in other countries, especially by joint implementation, EMISSION REDUCTIONS BANKING and clean development mechanisms.

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and increasing competJtJon from other banks have forced them to diversify into new markets, including the international syndicated loan market.

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<strong>Cure</strong> – Reinstatement of a loan' s guarantee upon completion of a prescribed series of loan collection activities. Also defined as the process by which the loan' s guarantee is reinstated.

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