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<strong>Choosing the Best School 4U</strong> – tips and guidelines for selecting a post-secondary institution and an academic year calendar to help you stay on track as you prepare for college and work through the financial aid process. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.
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Appropriation Bill (H5)<br />A US federal legislative bill authorising expenditure for a particular purpose, e.g. defence, which has to be passed by both the US House of Representatives and the Senate. Annually all the bills are expected to be reconciled by a Reconciliation Bill by the end of June; if reconciliation is impossible, a continuing resolution is passed which permits departments to continue at their current expenditure levels.
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<strong>NCA</strong> – North Central Association Commission on Accreditation and School Improvement, an academic accrediting body.

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direct foreign investment (F2)<br />1 Investment in productive facilities by a foreign company, e.g. the purchase or building of factories.<br /> 2 The purchase of stocks and shares which give a foreign company control over existing real assets.<br /> See also: multinational corporation; portfolio investment

French Circuit School (B1, B2)<br />Writers who have studied the economic process as a monetary circuit. QUESNAY's Tableau Economique is an early example of this approach; WICKSELL and SCHUMPETER favoured this too. From the 1960s there has been a resurgence of interest in this approach, especially in publications such as Monnaie et Production. POST-KEYNES!ANS have also taken up this type of analysis.
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<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.

endowment mortgage (G3)<br />A mortgage linked to an insurance policy that provides at the end of its term a sum to redeem the mortgage. The mortgagor pays both interest on the amount borrowed and insurance premiums. In times of falling property prices the problem of NEGATIVE EQUITY makes this form of house purchase unattractive.
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<strong>Academic 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 Award Year.)

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<strong>Loan sale</strong> – The change in ownership of a loan from one eligible FFEL Program lender to another lender or holder.

<strong>Week of instruction</strong> – Any period of 7 consecutive days in which the school provides at least one day of regularly scheduled instruction or examinations.
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run on a bank (G2)<br />The simultaneous demands of the deposit holders of a retail bank for their deposits to be paid. As it is difficult for banks to be sufficiently liquid to meet such concerted action against them without sacrificing the more profitable business of making loans, in the nineteenth and twentieth centuries CENTRAL BANKS emerged. They acted as the LENDER OF LAST RESORT to maintain the liquidity of DOMESTIC BANKING SYSTEMS as a whole and increasingly to supervise the operations of commercial banks. DEPOSIT INSURANCE is also a device to reduce bank runs as there is less point in the public demanding the return of its deposits in cash if there is a guarantee that the deposits will not be lost in a bank collapse.<br /><em>See also:</em> financial crisis; financial panic; lifeboat operation

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island (J2, J4)<br />A location of jobs or employers such that at a point in time firms cannot move but workers can. On each island, the competitive labour market there sets wages equal to the MARGINAL PRODUCT OF LABOUR On that island; as productivity differs from island to island, so do wage offers. Workers engage in job search to find islands with better wages.<br /><em>See also:</em> job search <br /><em>Reference</em><br />Lucas, R.E., Jr and Prescott, E.C. (1974)<br />'Equilibrium search and unemployment', Journal of Economic Theory 7: 188-209.

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management accounting (M4)<br />The financial appraisal of the past, present and future activities of a firm. It includes CASH BUDGETrNG (a prediction of future cash inflows and outflows which indicates what further finance is required), CAPITAL BUDGETING (appraisal of investment plans) and TRANSFER PRICrNG. Management accountants are also concerned to monitor the design of present accounting systems to prevent fraud and to meet the growing needs of management for information. It developed from cost accounting in response to the increasing complexity of large firms.<br /><em>See also:</em> accounting; financial accounting
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