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Rengo (J5)<br />Japanese labour union federation created in November 1987 through the merger of DOME!and CHURITSUROREN. By 1989, it had 5.4 million members of whom 2.8 million were in manufacturing and 1 million were in transport.<br /> See also: enterprise union; Sohyo
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advertising (M3)<br />A communication activity used to influence potential buyers, voters or others who can help the advertiser to reach defined goals. For firms, it is a selling cost incurred with the hope of increasing sales. Advertising increases the amount of information available in a market but also helps to create monopoly situations as it can be a BARRIER TO ENTRY. The theory of MONOPOLISTIC COMPETITION was the first major economic theory to incorporate considerations of advertising. By advertising, ouGoPOLISTs can create wants and markets, escaping the strictures of CONSUMER SOVEREIGNTY. The annual amount of a firm's advertising expenditure is often determined by an arbitrary ratio of advertising expenditure to sales revenue with the frequent effect of redistributing demand among the firms of an industry and adding to their costs, not of enlarging total expenditure on a particular good or service. Although large advertising expenditures are associated with MARKET ECONOMIES, advertising has a role in COMMAND ECONOMIES, particularly to >increase consumer demand for products new to the market or in EXCEss SUPPLY.<br /><em>Reference</em><br />Carter, M., Casson, M. and Suneja, V (1998) The economics of marketing, Cheltenham, UK, and Northampton, MA: Edward Elgar.<br /> Reekie, WD. (1981) The Economics of Advertising, London: Macmillan. Schinalensee, R. (1972) The Economics of Advertising, Amsterdam: North-Holland.
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<strong>MODEL Gateway</strong> – A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.
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<strong>Leave of Absence (LOA)</strong> – An approved leave of absence is a break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.

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brand stretching (M3)<br />Applying the name of an established :Sales revenue ! BreakeYen point
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disequilibrium (DO, E3)<br />1 An economic system in a state of EXCEss DEMAND or EXCESS SUPPLY.<br /> 2 The state of an economic system whose key variables continue to fluctuate around an EQUILIBRIUM or an equilibrium growth path. Expectations of economic agents or lags in the system can cause this.
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<strong>Lender of Last Resort (LLR)</strong> – A student loan lender that agrees to make Stafford Loans to qualified students, regardless of the type of school, school' s CDA, etc. The MDHE offers an LLR program for Missouri students.
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conspicuous consumption (E2) Expenditure on expensive goods to impress others with one's wealth and status rather than to satisfy basic needs. VEBLEN was the first to analyse ostentation of this nature.
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Keynes effect (E3)<br />The indirect effect on the demand for commodities resulting from a change in the general price leveL This price level will affect the price of bonds and hence interest rates, the level of net investment and so the demand for commodities. A shift in the LM curve shows that this effect is in operation.<br /><em>Reference</em><br />Ackley, G. (1951) 'The wealth-saving relationship', Journal of Political Economy 59: 154-61.
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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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<strong>American Student Assistance (ASA)</strong> – the MDHE' s servicer for FFEL Program loans.
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<strong>Expected Family Contribution (EFC)</strong> – The amount the student or student' s family is expected to pay toward the student' s cost of attendance as a result of the Federal Need Analysis Methodology.

Robinson Crusoe economy (E1)<br />An abstract model ECONOMY, based on Daniel Defoe's 1719 novel, which engages in simple capital accumulation. Although he has an initial capital endowment through salvaging goods from the shipwreck, he establishes himself as a farmer on a desert island through using ROUNDABOUT METHODS OF PRODUCTION. He learns that production is only possible when he has first attended to his security and that money is useless in an isolated economy without exchange. Robinson Crusoe has long been used as an example of an optimizing economic man who abandons AUTARKY for EXCHANGE and as the embodiment of bourgeois values, the independent modem economic man.<br /><em>Reference</em><br />Grapard, V (1995) 'Robinson Crusoe: the quintessential economic man?' Feminist Economics 1: 33-52.
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<strong>Cost less aid</strong> – A figure calculated by deducting all financial assistance the student has been or will be awarded for the loan period from the cost of attendance for that same loan period.

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Mill, James, 1773-1836 (B3)<br />Born in Montrose, Scotland, the son of a cobbler and educated at Montrose Academy and Edinburgh University where he studied divinity and learned economics from Dugald Stewart. Licensed in 1797 to preach in the Church of Scotland and an itinerant preacher until he went to London in 1802 and took to journalism becoming editor of The Literary Journal and St James's Chronicle. His first work on economics was Essay of the Impolicy of Bounty on the Exportation of Grain (1804) and he acquired more fame with Commerce Defended (1807). He became an ardent disciple of BENTHAM who gave him much financial support necessary in his early years to bring up nine children. He personally tutored his eldest son JOHN STUART MILL. James Mill's History of British India (181 7) helped him to gain an assistant examinership at the East India Company: he rose to the top post of Chief Examiner and was succeeded by his illustrious son. He encouraged RICARDO in his writing of his Principles of Political Economy (1817).
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<strong>Loan maintenance</strong> – Term used to describe change transactions, such as disbursement cancels, disbursement date changes, etc.
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integrated pollution control (Q2)<br />A system of pollution licences covering a wide range of industries intended to control the overall levels of air and water pollution in a particular area.<br /><em>See also:</em> Environmental Protection Agency; pollution control
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<strong>MOREnet</strong> – Missouri Research and Education Network. Provides networking capabilities and internet access for colleges and universities, elementary and secondary schools, state agencies, libraries, and community networks.
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<strong>Source, The</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. 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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protective labour legislation (J5)<br />Laws attempting to ensure that a worker does not suffer financially, physically or mentally from injury or unemployment.<br /><em>See also:</em> Social Charter
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<strong>National of the U.S.</strong> – As defined by the Immigration and Nationality Act, a U.S. citizen or a noncitizen who owes permanent allegiance to the United States. This term includes all U.S. citizens as well as the citizens of American Samoa and Swain' s Island. Also referred to as U.S. National.

Jurgensen Report (E5, F3)<br />A report to the World Economic Summit in Williamsburg, Virginia, in 1983 on central bank intervention in currency markets.

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risk premium (DO)<br />The amount of income given up to leave a person indifferent between a risky choice and a certain one.

senior debt (GO)<br />A debt secured by collateral which has to be repaid before any other stockholders or creditors in the event of liquidation.<br /> See also: junior debt

<strong>FAT</strong> – Financial Aid Transcript, an official record of federal financial aid a student has received at schools the student previously attended.
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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.

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<strong>Separation date</strong> – Another term for a student' s OSD (out of school date) or LDA (last date of attendance).
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<strong>PCA</strong> – Preclaims assistance, activities that guarantors were required to perform to help borrowers bring a delinquent loan account current. PCA was replaced by DAA in recent years; see “DAA” and “DAAR” for related information.

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