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a specific problem, or to cover before a more permanent member of staff is recruited or to cope with a seasonal upsurge in demand. As these stop-gap managers are often self-employed, the companies using their services can save many employment costs.
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clearing bank (G2)<br />A UK coMMERCIAL BANK which accepts deposits from the public and gets its name from being a member of the clearing house which 'clears' cheques by settling interbank indebtedness. There are separate sets of clearing banks for England and Wales, Scotland and Northern Ireland. The Scottish and Northern Irish banks also have the right to issue banknotes. A bank of this kind is distinguished from other financial intermediaries in that its reserves are the monetary liabilities of the government sector, i. e. bills, bonds and deposits with the central bank.

<strong>PSI</strong> – Postsecondary Institution.
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profit-related pay (J3)<br />Employee remuneration cons1stmg of, or based on, PROFITS as well as wages and salaries. This form of pay has the advantages of fluctuating with profits, so that a firm's wage bill falls in bad times and rises only in times of prosperity, and possibly influencing worker behaviour as the divide between ownership and employment is bridged by giving employees two types of factor income. There are long-established examples of this approach, e.g. granting Scottish fishermen shares of the proceeds from each catch of fish, and profit distributions to Japanese workers. With fiscal encouragement and a managerial desire to reward increased performance without raising labour costs, there are likely to be more pay schemes related to profits. One disadvantage of this type of pay is that employees may resist further recruitment of staff as more employees will reduce per capita entitlements to profit.
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<strong>MDHE</strong> – Missouri Department of Higher Education, the Missouri state agency overseeing the state' s higher education systems and related policies and administering student aid programs, including the FFEL Program and state aid programs such as the Bright Flight Scholarship. Also known as the DHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>Coordinating Board for Higher Education (CBHE)</strong> – The governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
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work co-ordinates the provision of this capital in several European Community countries.

indirect factor content (D2)<br />The total amount of the FACTORS OF PRODUCTION used in all stages of production prior to the last to achieve a particular output.
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commodity reserve currency (F3)<br />A currency with a value based on a 'basket' of commodities representative of average consumption. This currency tends to be stable over time, as happened under the GOLD STANDARD, and can take a variety of forms reflecting the technical characteristics of commodities at a particular time and the desired level of stability. However, it has been argued that few commodities are suitable for inclusion in the 'basket', e.g. on account of storage difficulties, but using commodity futures could eliminate many of these problems.<br /><em>Reference</em><br />Friedman, M. (1953) Essays in Positive Economics, pp. 204-50, Chicago: University of Chicago Press.
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A graduate in mathematics, engineering and economics from Arizona, Oklahoma, Virginia and Harvard Universities. Professor at Harvard from 1965 to 1970 and from 1983; economic adviser to the president of the woRLD BANK in 1970-2 and the bank's vice-president in charge of development policies in 1972-82. His quantitative approach to DEVEWPMENr Eco. NOMlcs views self-sustaining economic growth as a function of industrialization, which is itself associated with a switch from agricultural to industrial products in the commodity structure of a coun try's exports. In 1959, he published a widely used INPUT OUTPUT text. He collaborated with ARROW and others in 1961 to produce the CONSTANr ELASTICITY OF SUBSTITUTION PRQ. DUCTION FUNCTION which substan tially replaced the popular COBB DOUGLAS PRODUCTION FUNCTION.<br /><em>Reference</em><br />Arrow, K.J., Chenery, H.B., Minhas, B.S. and Solow, R.M. (1961) 'Capital-labour substitution and economic efficiency', Review of Economics and Statistics 43: 225-50.<br /> Chenery, H.B. and Clark, P. (1959) Int erindustry Economics, New York: Wiley.

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<strong>Rescheduling a disbursement</strong> – A pre-disbursement change transaction updating the date loan funds should be issued to the school or escrow agent. Within CommonLine 4 files, this transaction is referred to as a disbursement date change and is located within the @1-09 record.

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<strong>CBA</strong> – Consumer Bankers Association.

<strong>Reaffirmation</strong> – A borrower' s acknowledgment of a loan repayment obligation, including all principal, interest, and other costs, in a legally binding manner.

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<strong>GP</strong> – Guarantee and Print, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GP” process flow, the school submits loan application information to the guarantor for guarantee. After the loan is guaranteed, either a paper MPN is mailed to the borrower for completion or the application is made available online for the borrower to complete and sign.

regional multiplier (R1)<br />The number of times the income or employment of a region will multiply as a consequence of an increase in AUTONOMous EXPENDITURES.<br /> TWo approaches are often used: the economic base multiplier and the modified KEYNESIAN approach. The economic base approach assumes that regional income can be divided into two pa rts -what a rises from the BASIC IN DUSTRIES of the region and what springs from other regional industries. This multiplier is then calculated as I /(1 - s) with s the ratio of income earned in the non-basic sector to total regional income, i.e. the regional mul tiplier is<br />1 1 - ( 1 - t )( c - m )<br />with t the income tax rate, c the ma rginal propensity to consume and m the ma rginal propensity to import. There are many problems in calculating this multiplier, including the fact that basic industries may vary greatly in the extent to which they export to other regions. The KEYNESIAN approach merely applies a national multiplier formula to a region. A multiplier for a particular region is usually smaller than that for the national economy of which it is part as regions are more open, thus suffering from leakages of expenditures to other regions.<br /><em>See also:</em> multiplier
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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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increasingly connected only by cash payments, fundamental spiritual values were being neglected.<br /><em>See also:</em> cash nexus <br /><em>Reference</em><br />Rutherford, D. (1996 - -7) 'Dismal Carlyle and the"DismalScience"', The Carlyle Society Papers New Series, No.8: 24 - 36.
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scarcity index (DO)<br />The real cost of capital and labour inputs per unit of an extractive output which is expressed as an index of the prices of extractive outputs relative to non-extractive outputs.<br /> <br /><em>Reference</em><br />Barnett, H.J. and Morse, C. (1963) Scarcity and Growth: The Economics of Natural Resource Availability, Baltimore, MD: Johns Hopkins University Press.
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<strong>Department of Elementary and Secondary Education (DESE)</strong> – The Missouri state agency overseeing the state' s elementary and secondary public school systems.
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<strong>Central Processing System (CPS)</strong> – A company that is contracted by the U.S. Department of Education to process the Free Application for Federal Student Aid (FAFSA).
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<strong>CommonLine (CL)</strong> – The FFEL Program industry' s standards by which loan and borrower information is electronically gathered, stored, and transmitted via a flat file. CommonLine file specifications are agreed to by the industry' s Electronic Standards Committee (ESC) and may be retrieved from the NCHELP website at www.nchelp.org.
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