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<strong>Estimated need cutoff</strong> – The estimated need amount that students must demonstrate to qualify for the Gallagher and College Guarantee programs. The MDHE estimates the need cutoff each spring; the actual need cutoff is determined immediately prior to setting spending authority in FAMOUS.
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<strong>CommonLine loan sequence number</strong> – A 2-digit number typically assigned by the guarantor at the time of guarantee. This number is attached to the end of the CommonLine unique identifier.
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<strong>American College Testing (ACT, Inc.)</strong> – An independent not-for-profit organization that provides assessment, research, information, and program management services in the areas of educational testing and planning, career planning, and workforce development.

breakeven level of income (M2)<br />The level of income at which all income is consumed and no debts are incurred.

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psychological economy (P1)<br />A capitalist ECONOMY that produces and administers the needs demanded by the system. This major view of the Germanborn US philosopher and social theorist Herbert Marcuse (1898-1979) influenced New Left writers in the 1960s.<br /><em>See also:</em> capitalism; needs standard; radical economics <br /><em>Reference</em><br />Marcuse, H. (1964) One Dimensional Man, London: Sphere.

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contracting out (L2, L3)<br />Partial PRIVATIZATION of a public service often through employing subcontractors to undertake a specific function such as cleaning, laundering or accounting.
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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.
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<strong>Guarantor (or guaranty agency)</strong> – A state or private nonprofit organization that has an agreement with the U.S. Secretary of Education to administer the FFEL Program. The MDHE is Missouri' s state-designated guaranty agency.
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Mill, John Stuart, 1806-73 (B3)<br />English philosopher, political theorist and major classical economist. His father, James MILL, a close friend of BENTHAM, educated him at home in a rigorous programme which started with Greek at the age of 3 and reached political economy ten years later. John learned economics by making notes on RICARDo's Principles which his father then published as Elements of Political Economy (1821). He followed his father into a clerkship in the East India Company where he was employed until 1858 and engaged in the political reform movements of the day being Member of Parliament for Westminster from 1865 to 1868. John turned his attention to a range of philosophical and political issues, writing on women's rights, representative government, logic, UTILITARIANISM and liberty. But he made an outstanding contribution to economics, being more than he modestly claimed - a clarifier of SMITH'S and RICARDO'S ideas.<br /> In his brilliant Essays on Some Unsettled Questions of Political Economy, written when he was only 23 but not published until 1844, he developed the theory of RECIPROCAL DEMAND to explain the ratios at which nations would trade if they followed the principle of coMPARATIVE ADVANTAGE. Also he introduced the idea of a demand schedule, refined SAY'S LAW and expounded one of the earliest theories of the TRADE CYCLE which he attributed to
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<strong>Missouri Higher Education Loan Authority (MOHELA)</strong> – Missouri' s designated FFEL Program secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFEL Program loans. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri.

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<strong>Consummated loan</strong> – A loan for which disbursement funds have been delivered to the borrower. For example, a loan is considered consummated when the borrower cashes a paper check from the lender or when the school applies the proceeds of an ACH transfer to the student' s account.
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divergence threshold (F3)<br />The crucial value of the DIVERGENCE INDICATOR for a currency of the EXCHANGE RATE MECHANISM. At this value, either a change in the domestic economic policies of the country concerned or a change in the PAR VALUE of its currency is required.

expensive easy money (E4, G2)<br />oKuN regarded this as credit extensively available, and therefore easy, but offered at higher interest rates and thus expensive.
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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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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planning, programming, budgeting (H6, M2)<br />A budgetary system evaluating expenditure programmes in their entirety by taking into account the total effects of them, using COST BENEFIT ANALYSIS. This system, introduced into the US Department of Defense in the early 1960s, was extended to other US Departments in 1965.<br /><em>See also:</em> cost-effectiveness analysis <br /><em>Reference</em><br />Harberger, A.C. (1982) Project Evaluation: Collected Papers, London: Macmillan.

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off-the-job training (J2)<br />Formal training, usually away from the premises of one's employer, which takes the form of lectures, tutorials and practical sessions. A switch to this type of training has been necessary because of the haphazard nature of much ON-THE-JOB TRAINING and the increasing amount of technical knowledge required for many occupations.<br /> See also: general training

real wages (J3)<br />1 Money wages adjusted for inflation. Real wages can only increase if money wages rise faster than inflation.<br /> 2 The amount of goods and serv1ces a money wage can purchase.
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Ñáîðíèê ìóëüòôèëüìîâ - ïî ìîòèâàì ñêàçîê Ä. Áèññåòà (2010). DVD-NTSC, $19.79 Ïðî Ôåäîòà-ñòðåëüöà, óäàëîãî ìîëîäöà (ìóëüòôèëüì) (2008). DVD-PAL, $14.99 Ñìîòðåòü îíëàéí Èëüÿ Ìóðîìåö è Ñîëîâåé Ðàçáîéíèê â õîðîøåì êà÷åñòâå. Ñëàâèòñÿ çåìëÿ ðóññêàÿ áîãàòûðÿìè áîãàòûðñêèìè äà ðàçáîéíèêàìè ðàçáîéíè÷üèìè.
ðîññèéñêèå ìóëüòôèëüìû ïðî áîãàòûðåé Îäíî èç ïîäðàçäåëåíèé ìåæäóíàðîäíîé òåððîðèñòè÷åñêîé ãðóïïèðîâêè «Àëü-Êàèäà» íàìåðåíî èñïîëüçîâàòü ìóëüòèïëèêàöèîííûå ôèëüìû, ÷òîáû âåñòè
Æàíð: ìóëüòôèëüì, êîìåäèÿ, ïðèêëþ÷åíèÿ, ñåìåéíûé, âåñòåðí Æàíð: ìóëüòôèëüì, ôàíòàñòèêà, ôýíòåçè, áîåâèê, ïðèêëþ÷åíèÿ
èâàí öàðåâè÷ ì ñåðûé âîëê Ãåðîè ìóëüòôèëüìîâ, Ìÿãêàÿ èãðóøêà, Èãðóøêè, Èíòåðíåò ìàãàçèí èãðóøåê è äåòñêèõ òîâàðîâ Ãàâðîø â Åêàòåðèíáóðãå.
Èâàí Öàðåâè÷ è Ñåðûé Âîëê (2011) Öàðü ðåøèë âûäàòü çàìóæ Âàñèëèñó çà Èâàíà Öàðåâè÷à. Íî ïåðåä ýòèì öàðü õî÷åò, ÷òîáû áóäóùèé ìóæ ïðîøåë èñïûòàíèÿ.
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Ïðèâåòñâóåì âñåõ ãîñòåé íàøåãî îíëàéí êèíîòåàòðà. Åñëè âû èñêàëè ñàéò ãäå ìîæíî áåç âñÿêèõ çàìîðî÷åê ñìîòðåòü ôèëüìû îíëàéí áåñïëàòíî òî
øàìàõàíñêàÿ Ñàìîëåòû Èëüÿ Ìóðîìåö Ñèêîðñêîãî. Áîìáàðäèðîâùèê Èëüÿ Ìóðîìåö êîíñòðóêöèè Ñèêîðñêîãî ðóññêèé Èëüÿ Ìóðîìåö ðèñóíîê Þðèÿ Èâàíîâà
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