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<strong>Participation agreement</strong> – Agreement with the MDHE that permits a school to participate in the state student assistance programs.
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divestment (Ll)<br />The disposal of part of the assets of a firm; the opposite of a MERGER. An appraisal of the activities of a diversified firm often results in divestment as a means of rationalizing its interests.

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IS (E1, F1)<br />1 The equilibrium of investment and savings, usually expressed as one of the curves in the 1s LM diagram. An increase in government expenditure, through its MULTIPLIER effects, will cause the IS curve to shift outwards from the origin.<br /> 2 IMPORT SUBSTITUTION.
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<strong>Totally and permanently disabled</strong> – the condition of an individual who is unable to work and earn money due to an injury or illness that is expected to continue indefinitely or eventually result in death.
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Schultz, Theodore William, 1902- (B3) Leading US authority on HUMAN CAPITAL theory. Educated in agricultural economics at South Dakota State College and the University of Wisconsin. Since 1943, he has been professor at the University of Chicago. His NOBEL PRIZE FOR ECONOMICS, jointly awarded in 1980 with Arthur LEWIS, was for his work in agricultural economics. Although he published a major work on this topic, The Economic Organization of Agriculture (1953), his major contribution to mainstream economics has been in leading the modem human capital movement, especially with his The Economic Value of Education (1963) and Investment in Human Capital: The Role of Education and Research (1971).

job generation (J6)<br />The expansion of employment in either the public or private sector. In the former, regional and other policies are used to create jobs; in the latter, new jobs are preceded by an expansion in a market.
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<strong>A+ Schools Program</strong> – A program administered by the Missouri Department of Elementary and Secondary Education (DESE) which provides paid tuition and fees as well as other financial incentives for students who fulfill needed requirements, graduate from a designated A+ high school and who attend a Missouri community college or vocational-technical school. More information is available at: http://www.dese.mo.gov/divimprove/aplus/index.html.
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deconcentration (Ll, IA)<br />1 Dispersal of an industry over a wider area.<br /> 2 The break-up of an industry dominated by a few firms. This has occurred under ANTITRUST legislation.

<strong>MARIO</strong> – Missouri Advantage Repayment Incentive Option, a student loan forgiveness program for individuals working in Missouri' s life science companies. MARIO was created by a partnership between the MDHE, MOHELA, and the Missouri Department of Economic Development.
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<strong>Delivery of proceeds</strong> – Delivery of loan proceeds by the school to the borrower. Also referred to as “release of proceeds.”

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<strong>Mapping Your Future (MYF) 10 Financial Fitness Tools</strong> – A guide to completing student loan exit counseling online through Mapping Your Future, 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>Release of proceeds</strong> – Delivery of loan proceeds by the school to the borrower. (Note: This term is NOT equivalent to the lender' s process of disbursing funds to the school.)

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<strong>POP3</strong> – Post Office Protocol Version 3, a method to permit workstations on the internet to access a mailbox server.
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investment reserve system (E3, E6)<br />A method of encouraging countercyclical private sector investment. In prosperous times, tax incentives encourage firms to accumulate reserves that are in later years spent on capital projects when the economy is heading for recession.<br /> Since 1938 in Sweden there has been a policy of influencing the timing of capital expenditures by fiscal incentives to reduce fluctuations in the national economy. Companies can set aside up to 50 per cent of pre-tax profits in non-interest-bearing Bank of Sweden accounts in return for tax reductions: after five years, 30 per cent of a deposit can be used at the request of the company tax-free and at other times, in recessions, the government can authorize the release of these funds tax-free to stimulate the economy. In addition, since the mid-1960s, these funds can be used to help depressed regions whatever the state of the national economy.<br /><em>See also:</em> countercyclical policy
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Maquiladora (F1)<br />A trade programme established in 1965 and expanded in 1989 to allow duty-free imports into Mexico for transformation into Mexican exports.

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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>Marguerite Ross Barnett Memorial Scholarship Program</strong> – A scholarship program established for Missouri students who are employed at least 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program. More information is available at: http://www.dhe.mo.gov/rossbarnett.shtml.

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