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<strong>NDSL</strong> – National Direct Student Loan, renamed the Federal Perkins Loan Program in 1992. (Note: this is NOT the same program as the William D. Ford Direct Loan Program, or FDLP.)
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fiduciary issue (E5)<br />An inconvertible issue of banknotes not backed by gold: as the name suggests, these notes are issued in faith. In the nineteenth century when banknotes constituted a larger proportion of the MONEY suPPLY than now, controlling the size of the fiduciary issue was important; this is no longer so.<br /><em>See also:</em> Bank Charter Act 1844; fiat money
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<strong>National credit bureau</strong> – A credit reporting agency with a service area encompassing more than a single region of the country. Examples of national credit bureaus include TransUnion and Equifax.

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aggregate concentration (Ll)<br />The coNCENTRATION of the economic activity of a nation or an industry in the hands of a few giant firms. Also called absolute concentration.<br /><em>See also:</em> concentration ratio; relative concentration
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breakeven level of income (M2)<br />The level of income at which all income is consumed and no debts are incurred.

Cantillon, Richard, c.l680-c.l734 (B3) Irish-born banker and economist who spent much of his life in France where he made a large personal fortune after the collapse of John LAw's Mississippi Company. His writings on economics, other than the Essai sur Ia Nature du Commerce en General, appear to have perished with him when his house in Albemarle Street, London, was burnt down. His remarkable Essai showed his keen reading of several economists, including PETTY, and his immense practical knowledge of ban king. In many senses he an ticipated QUESNAY and other PHYSIOCRATS by setting out a model of the economy with villages, market towns and cities engaged in mutual exchanges. Also, he powerfully explained the role of the ENTREPRENEUR in economic activity, with a more plausible explanation than Smith's INVISIBLE HAND postulate. His analysis of exchange rates, open market operations and the bank credit multiplier gives his work a modern focus.<br /> <br /><em>Reference</em><br />Cantillon, R. {1755) Essai sur Ia Nature du Commerce en General, English trans. H. Higgs, London: Macmillan, for the Royal Economic Society, 1931.<br /> Murphy, A.E. {1986) Richard Cantillon: Entrepreneur and Economist, Oxford: Clarendon Press.
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sion of land into small farming units affects the productivity of most types of agricultural production.

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equilibrium (DO, EO)<br />A state of balance such that a set of selected interrelated variables has no inherent tendency to change. In economics, a major example is the balance of the forces equating demand and supply. sMITH in his discussion of prices used the idea of market prices fluctuating around the NATURAL PRICE which can be considered a central price. The SUBSISTENCE THEORY OF WAGES regarded expansions and contractions of a population as equilibrating forces making the subsistence wage rate the long-run equilibrium wage. An equilibrium can exist for an economy as a whole, for a sector of it, for a particular market or for an institution, such as a firm. Although the term is applied principally to static models, there can be an equilibrium in dynamic models when variables proceed along an equilibrium-type path. Equilibria can be stable or unstable, temporary or permanent: some of them do not exist. The Marshallian and Keynesian cross-diagrams are the most famous diagrammatical representations of equilibrium (E, equilibrium). National income<br /><em>See also:</em> general equilibrium; temporary equilibrium<br /><em>Reference</em><br /> Amendola, M. and Gaffard, J.-L. (1998) Out of equilibrium, Oxford and New York: Clarendon Press.<br /> Caravale, G. (ed.) (1997) Equilibrium and economic theory, London and New York: Routledge.<br /> Fisher, F.M. (1983) Disequilibrium Foundations of Equilibrium Economics, Cambridge: Cambridge University Press.<br /> Samuelson, P.A. (1965) Foundations of Economic Analysis, 2nd edn, New York: Athenaeum.

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specie (E4)<br />Gold or silver coins.
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