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<strong>OAKFAP</strong> – The Ozark area group of financial aid professionals, normally meeting in Springfield.

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of taxation matches the amount of PUBLIC Gooos received by each taxpayer. The principle was first enunciated by Thomas Hobbes (1588-1679), Hugo Grotius (1583-1645) and John Locke (1632-1704). In essence taxpayers and a government exchange taxes for services. Since public goods are collectively provided and taxes are individually paid, a taxation system on this basis will always be criticized. For example, it would be difficult to allocate charges for the maintenance of external defence to individuals in proportion to their consumption. Until governments know more of the preferences of taxpayers it will be impossible to apply the principle exactly.

collaborative production (L2)<br />A form of workplace organization which decentralizes production. This reaction to TAYLORISM can take many forms, including TEAMWORK and QUALITY CIRCLES.

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<strong>Exit Counseling Workbook</strong> – An easy-to-read workbook that explains the ins and outs of repaying a student loan. 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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<strong>Financial Aid Administrator (FAA)</strong> – A staff member at an eligible school who administers financial aid programs.
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grandfather clause (F1, K2)<br />An item in an agreement permitting the retention of laws in conflict with the essence of the agreement. GATT contained such clauses.
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Baumol, William Jack, 1922- (B3)<br />US economist, educated at City College, New York, and London University and a professor at Princeton University from 1954 to 1971. He is famous for his economic analysis of management science, particularly his research conclusion that businesses set out to maximize their sales subject to minimum profit targets. Also, his 'unbalanced growth' model demonstrates that the different opportunities for technical progress in the various sectors of an economy lead to chronic problems in the financing of cities, medical care, educational systems and the performing arts. Recently he has been concerned with the environmental implications of welfare economics and CONTESTABLE MARKETS.<br /><em>Reference</em><br />Baumol, WJ. (1966) Performing Arts, the Economic Dilemma: a Study of Problems Common to Theatre, Opera, Music and Dance, New York: Twentieth Century Fund.<br /> - (1977) Economic Theory and Operations Analysis, 4th edn, Englewood Cliffs, NJ: Prentice Hall.<br /> Baumol, WJ. and Oates, WE. (1975) The Theor y of Environmental Policy, Englewood Cliffs, NJ; London: Prentice Hall. Baumol, WJ., Willig, R.D. and Panzar, L.S. (1982) Contestable Markets and the Theory of Industry Structure, New York: Harcourt Brace Jovanovich.

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<strong>Ross Scholarship</strong> – Marguerite Ross Barnett Memorial Scholarship Program, a scholarship program established for Missouri students who are employed a minimum of 20 hours a week while enrolled in 6 to 11 credit hours. The MDHE administers this scholarship program.

loyalty bonus (GO)<br />The extra shares awarded to the original shareholders of a company for retaining thei r investment for a stipulated period. Bonuses of this kind have been a feature of UK PRIVATIZATION issues.

risk-adjusted discount rate (GO)<br />A risk-free discount rate augmented to take into account the risk factor.<br /> risk asset system (G2)<br />A method of assessing the amount of RISK a bank is taking which weights bank assets according to the length of time banks could lose profits on them. The FEDERAL RESERVE SYSTEM recommends the adaptation of this system now in use in the EUROPEAN coMMUNITY countries and suggests weights of 0 per cent for cash (and its equivalents), 30 per cent for money market assets, 60 per cent for moderate risk assets (e.g. local authority bonds) and 100 per cent for standard bank loans. Weighting the riski- ness of bank assets makes it possible to ascertain the level of capitalization suitable for a particular bank. US and European adoption of this system is a step towards the international harmonization of banking standards.

<strong>Half Time (HT)</strong> – 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. For the Marguerite Ross Barnett scholarship, half-time enrollment is defined as 6-11 credit hours.
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<strong>Reauthorization</strong> – The legislative process, generally carried out every five years for the Higher Education Act, whereby Congress reviews and either renews, terminates, or amends existing programs.
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