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zero-rated good (H2)<br />A good not subject to VALUE•ADDED TAX. Exemptions from value-added tax vary from country to country but the principal items excluded in some countries have been food, clothing and educational materials.
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borrow from the US Treasury. By 1987 it had run out of funds to reimburse depositors and needed to be recapitalized by the savings bank industry. The higher deposit insurance premiums charged by the Federal Saving and Loan Insurance Corporation caused many thrifts to change to the FEDERAL DEPOSIT INSURANCE CORPORATION scheme.<br /><em>See also:</em> Resolution Trust Corporation
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<strong>Need analysis</strong> – A standardized assessment of the ability of a student and family to contribute toward educational expenses. The need analysis formula currently used when students complete the FAFSA is referred to as Federal Methodology.
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<strong>NACUBO</strong> – National Association of College and University Business Officers.

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gold standard (E5)<br />A basis for the value of a national currency which can take the form of a GOLD BULLION STANDARD or a GOLD EXCHANGE STANDARD.<br /> <br /><em>Reference</em><br />Gold Standard Commission (1982) Report to Congress of the Commission on the Role of Gold in the Domestic and International Monetary System, Washington, DC: US Government Printing Office.
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impact multiplier (EO)<br />The impact on a national economy in a given year of the EXOGENOUS VARIABLES for that year and the ENDOGENOUS VARIABLES for prior years.<br /><em>Reference</em><br />Goldberger, A.S. (1959) Impact Multipliers and the Dynamic Properties of the KleinGoldberger Model, Amsterdam: NorthHolland.
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<strong>Recall (of a claim)</strong> – A lender request to a guarantor to return a default claim that has already been filed but has not yet been paid because the claim no longer qualifies for default.
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<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.)

<strong>MDHE e-distribution list</strong> – The Missouri Department of Higher Education' s electronic news service. To sign up for this service, visit http://www.dhe.mo.gov/mdhedigest/signup.shtml.
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records the flow of capital assets between one country and the rest of the world. World interest rates will have a major influence on a country's capital account, as capital mobility is stimulated by differences in the rates of return to financial assets in different countries.
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######ual discrimination (J7)<br />The unfavourable treatment of one ###### in matters of wages, recruitment or promotion. In the USA federal legislation first addressed itself to this in civil rights legislation of the 1960s; in the UK under the EQUAL PAY ACT 1970 and ###### DISCRIM!NAT!ON ACTS 1975, 1986; in the EUROPEAN COMMUNITY under Article 119 of the TREATY OF ROME. The economic analysis of discrimination dates back to John Stuart MILL's writings on the wages of women in his Principles.<br /><em>See also:</em> crowding hypothesis; occupational segregation
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flow of funds account (E1)<br />A component of a system of NATIONAL INCOME accounts showing financial transactions between the major sectors of the economy. The transactions analysed are purchases and sales, and transfers such as taxes and dividends. The sectors used are different types of business, non-profit organizations, central and local government, banks, savings institutions, insurance, other finance and the rest of the world.<br /><em>Reference</em><br />Bain, A.D. (1973) 'Flow of funds analysis: a survey', Economic Journal83: 1055-93. National Bureau of Economic Research (1962) The Flow of Funds Approach to Social Accounting: Appraisal, Analysis and Applications. Studies in Income and Wealth, Vol. 261, Princeton, NJ: Princeton University Press.
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<strong>Repayment schedule</strong> – The legal addendum to the promissory note stating the terms of repayment and fulfilling disclosure requirements. The repayment schedule includes the total principal and interest due, the regular installment amount due, and the number of installments required to pay the loan in full. It also includes the interest rate, the due date for the first payment, and the frequency of installments.

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D s satisfy both producers and consumers by purchasing quantity AB.

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<strong>NATTS</strong> – National Association of Trade and Technical Schools.
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<strong>SFY</strong> – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.

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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,
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customs union (FO)<br />A group of countries with a coMMON EXTERNAL TARIFF but with free trade amongst themselves and free movement of labour and capitaL The EUROPEAN COMMUNITY is a major example of such an arrangement. Many theories about customs unions are based not only on how free trade based on COMPARATIVE ADVANTAGE is beneficial but also on WCAT!ON THEORY to understand the changes within the cus- toms union, e.g. the movement of capital and population towards GROWTH POLES creating a dynamic effect of a union.
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Harsanyi, John Charles, 1920-2000 (B3) Educated at Budapest, Sydney and Stanford Universities. After teaching at Budapest, Queensland, Stanford and Wayne State Universities, he became professor of business administration at the University of California at Berkeley from 1964 to 1990. He examined what it means for rational persons to make ethical judgements, and the games theory problem of establishing appropriate behaviour for rational persons, companies and nations in conflict with each other. His major works include Rational Behaviour and Bargaining Equilibrium (1977) and A General Theory of Equilibrium Selection in Games (1988, with Reinhard Selten). He shared the NOBEL PRIZE FOR ECONOMICS in 1994 with NASH and SELTEN.

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Klein, Lawrence R., 1920- (B3)<br />A celebrated US econometrician noted for his leadership of the research groups that produced influential large-scale econometric models of the UK and US economies in the period 1955-75. He is also well known as an interpreter of KEYNES. After a university education at Berkeley, California, and the Massachusetts Institute of Technology, he was at the Oxford Institute of Statistics from 1954 to 1958 and then professor at the University of Pennsylvania from 1958 to 1968. He was awarded the NOBEL PRlZE FOR ECONOMICS in 1980.<br /><em>Reference</em><br />Klein, L.R. (1968) The Keynesian Revolution, 2nd edn, London: Macmillan.<br /> - (1983) The Economics of Supply and Demand, Oxford: Basil Blackwell.
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<strong>Branch campus</strong> – A permanent location of a school that: is geographically apart and independent of the main campus; offers courses leading to a degree or recognized academic credential; has its own faculty and administration; and has its own budgetary and hiring authority.

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