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Herfindahi-Hirschman index (Ll)<br />A measure of market coNCENTRATION. In an industry with i firms, the index is calculated as follows:
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runaway shop (J5)<br />A workplace relocated from an area of high UNIONIZATION to one of low unionization. This relocation is inspired by a desire to reduce labour costs and the incidence of industrial disputes.

The principal indicators of this are falling output and rising UNEMPLOYMENT.
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minimax (C7)<br />Minimizing the maximum disadvantage; a GAMEs THEORY principle for choosing a course of action.
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<strong>SSA</strong> – Social Security Administration.

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<strong>Bursar, or Business Office</strong> – The institutional office that is responsible for the billing and collection of school charges.

<strong>HT</strong> – Half Time, an enrollment status indicating the student is carrying an academic workload, as determined by the school, that is more than half time but less than full time.

<strong>Voluntary Flexible Agreement (VFA)</strong> – Individually negotiated contract between a FFEL Program guarantor and the U.S. Department of Education. On October 7, 1998, President Clinton signed the Higher Education Amendments of 1998 (P.L. 105-244), authorizing the Department of Education to enter into no more than 6 VFAs. A VFA may modify the guarantor provisions under sections 428 (b) and (c) of the Higher Education Act, such as the issuance of insurance on FFEL Program loans, defined default aversion activities, collection activities on defaulted loans, guarantor revenue and funding models, and other requirements. For more information on VFAs, see Volume 64, No. 144 of the Federal Register, published July 28, 1999.

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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.

<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.

<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.
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<strong>Integrated Common Manual (ICM)</strong> – A policy and procedure manual for FFELP participants. The manual and related tools may be found at www.commonmanual.org.
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<strong>Academic Competitiveness Grant (ACG)</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.
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gold franc (F3)<br />An ARTIFICIAL CURRENCY used by the International Telecommunications Union (Geneva) to express telecommunications charges of different countries in the same 'currency'. In 1865, the Telegraph Convention adopted the French franc as the monetary unit to be used in calculating international tariffs as it was a major hard currency. In 1928, to avoid the problem of fluctuations in the value of the franc, a standardized 'gold franc' equal to 10/31 of a gram of gold was the basic unit chosen. In 1947, many countries were dissatisfied with the system but the proposal to devalue the gold franc was rejected as it meant a reduction in international telegraph and telephone rates. Lacking an alternative, the system continued. However, the gold franc was never a reserve currency (accounts are settled in national currencies) but merely a unit of account: thus it has only one of the functions of money. Since the floating of currencies in 1971, the conversion of gold francs into national currencies has produced divergent results. Also, gold francs of different values are used for different types of transactions, e.g. the value for shipping tolls is different from that for telegrams. in 1987, the value of the gold franc was fixed with 3.0061 gold francs equal to 1 special drawing right.

<strong>Escrow agent</strong> – A guarantor or other eligible entity that receives the proceeds of a FFEL Program loan as an agent of an eligible lender for the purpose of transmitting those proceeds to the school.

is increasingly challenged in the case of flights between the countries of the EUROPEAN COMMUNITY.

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<strong>State Fiscal Year (SFY)</strong> – A period from July 1 through June 30 of the following calendar year for the state of Missouri.

Accelerated Cost Recovery System (H2)<br /> US federal tax allowance introduced in 1981 and subsequently modified. Most capital goods were assumed to have a life of three, five or ten years; as many were more durable, this system was a means of cutting corporate taxation. An example of SUPPLY-SlOE ECONOMICS.

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