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<strong>LOA</strong> – Leave of Absence, an approved 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.

<strong>FAD</strong> – Financial Aid Director, a staff member at an eligible school who heads the financial aid office.

<strong>Period of enrollment</strong> – As defined by federal regulation, the period for which a Stafford or PLUS loan is intended. The period of enrollment must coincide with a bona fide academic term established by the school for which the school' s charges are generally assessed. For instance, a semester, quarter, or entire academic year might be a student' s period of enrollment.

<strong>NCHELP</strong> – National Council of Higher Education Loan Programs, the FFEL Program national association for guarantors and secondary markets. NCHELP provides tools, manuals, documents, and resources online, including the Code of Federal Regulations (CFR). Visit the NCHELP e-library at www.nchelp.org.
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Kornai, janos, I 928- (B3)<br />Hungarian mathematical economist, educated in science at the Hungarian Academy of Science and in economics at the Karl Marx University of Economics, Budapest. He has been professor of economics at the Hungarian Academy from 1955 and at Harvard from 1986. Apart from his mathematical modelling of the planning process, he has been famous for his attack On Walrasian GENERAL EQUILIBRIUM theory and for his demonstration of how quantity, not price, balances supply and demand. Later he considered the similarities between communist and capitalist economies. His ideas have had considerable influence in the West.<br /><em>Reference</em><br />Kornai, J. (1959) Overcentralization in Economic Administration: A Critical Analysis Based on Experience in Hungarian Light Industry, London: Oxford University Press. - (1967) Mathematical Planning of Structural Decisions, Amsterdam: North-Holland.<br /> - (1971) Anti-Equilibrium on Economic Systems Theory and the Tastes of Research, Amsterdam: North-Holland.<br /> - (1980) The Economics of Shortage, Amsterdam: North-Holland.<br /> - (1982) Growth, Shortage and Efficiency: A Microdynamic Model of the Socialist Economy, Oxford: Basil Blackwell.
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<strong>HTML</strong> – HyperText Markup Language, the authoring language used in the creation of websites and documents for the World Wide Web. Reports available within MODEL Direct may be exported in an HTML format, allowing the information to be viewable on the screen or printed from the web browser.

<strong>Department of Higher Education (DHE)</strong> – 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 MDHE. The agency' s website may be found at www.dhe.mo.gov.

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Îáúÿâëåíüÿ ãåé çíàêîìñòâ â Èâàíîâå çíàêîìñòâî ñ ìóæ÷èíàìè ñèìôåðîïîëü áåëàÿ öåðêîâü çíàêîìñòâà çíàêîìñòâà èç óçáåêèñòàíà çíàêîìñòâà äëÿ ñåêñà â Ñâåðäëîâñêîé îáëàñòè çíàêîìñòâà èíòèì ñëóöê çíàêîìñòâà áåëãîðîä äåâóøêè Ãîðîä Èâàíîâî çíàêîìñòâà èðêóòñêèå çíàêîìñòâà Ñåêñêîíòàêò Äîñóã óôà èíäèâèäóàëêè Îäíîêëàññíèêè ru ñàéò ïðîñòèòóòêè ìîñêâû âûåçä âûõèíî æóëåáèíî Ïðîñòèòóòêè ìîñêâû âèäåî ñàìûå äåøîâûå øëþõè ìîñêâû þâàî Êîíòàêòû îîî îäíîêëàññíèêè Ïðîñòèòóòêè êðåìåí÷óãà øëþõè ñàíêò ïåòåðáóðãà è îáëàñòè ïðîñòèòóòêè ïèòåðà ëàäîæñêàÿ Ðàìåíñêèå øëþõè Áåñïëàòíûå êàðòèíêè äëÿ ñàéòà îäíîêëàññíèêè Ïðîñòèòóòêè ã êåìåðîâî ïðîñòèòóòêà â 20 ëåò ïðîñòèòóòêè ìîñêâû 60 ëåò Ïðîñòèòóòêè ñàðàòîâà ýëèòíûå Èíòèì óñëóãè â ñåâàñòîïîëå ïðîñòèòóòêè â ã. åêàòåðèíáóðãå óëèöû ïðîñòèòóòîê íèæíèé íîâãîðîä ãðÿçíûå ÷åðíûå øëþõè ñ áîëüøèìè ñèñüêàìè ïðîñòèòóòêè ã. êèåâà ïðîñòèòóòêè ãîðîäà íàõîäêè ïðîñòèòóòêè ìåêñèêè ïðîñòèòóòêè ãîðîäà ïèòåðà ïðîñòèòóòêè ìåòðî àýðîïîðò èíäèâèäóàëêè Ýðîòè÷åñêèå ôîòî ñ ñàéòà îäíîêëàññíèêè Ïðîñòèòóòêè õàáàðîâñêà àíêåòû ïðîñòèòóòîê ìîñêâû èùó äåâóøêó 22 24 ëåò èç éîøêàð îëû çíàêîìñòâà äëÿ ñåêñà è èíòèìà â àëìàòå íîâîñòè àðìåíèè ñàéò çíàêîìñòâ àðìåíèè çíàêîìñòâà 18 ëåò íàëèòàÿ ãðóäü çíàêîìñòâà icq 77

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Great Depression (N1)<br />1 The period 1873-96 in the English economy when agriculture was especially depressed.<br /> 2 The period 1929-36 when world trade, partly through PROTECTION and the cautious FISCAL POLICIES of national economies, suppressed the level of economic activity.<br /><em>See also:</em> beggar-my-neighbour policy; depression; recession; slump <br /><em>Reference</em><br />Bernstein, M.A. (1988) The Great Depression, New York and Cambridge: Cambridge University Press.<br /> Friedman, M. and Schwartz, A.I. (1966)<br />The Great Contraction, Princeton, NJ: Princeton University Press.<br /> KindJeberger, C.P. (1986) The World in Depression, 1929-39, London: Allen Lane (reprinted Harmondsworth: Penguin, 1987).<br /> Saul, S.B. (1969) The Myth of the Great Depression, London and Basingstoke: Macmillan.<br /> Temin, P. (1976) Did Monetary Forces Cause the Great Depression?, New York: WW Norton.

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distortion (D6)<br />The failure to reach a welfare optimum because the social marginal cost of producing goods is less or more than the social marginal benefit of consuming that good. WELFARE ECONOMICS is much concerned with distortions when analysing taxation and monopoly.<br /> distortionary tax (H2)<br />A biased tax causing inefficiencies. Many specific taxes, e.g. those levied on the products of one industry but not on those of another, can change the post-tax allocation of demand.
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earnings per share (G2)<br />Pre-tax earnings divided by the number of shares entitled to a variable dividend. This ratio, when used as an indicator of the long-term growth potential of a company, should be compared with other indicators of a firm's performance, including its market share and its research and development expenditure. Earnings per share are usually larger than dividend per share as few companies distribute all of their profits.

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n EU=Lp;.U; i-1<br /><em>See also:</em> Bernoulli hypothesis; prospect theory <br /><em>Reference</em><br />Savage, L.J. (1954) Foundations of Statistics, New York: Wiley.

<strong>USCIS</strong> – U.S. Citizenship and Immigration Services, a division of the Department of Homeland Security (DHS). On March 1, 2003, the DHS absorbed the former federal agency, Immigration and Naturalization Service (INS) and renamed it the USCIS.

roundtripping (G1)<br />Purchasing and reselling the same lot of securities or commodities or money when market prices are rising. An example would be if ?X were borrowed for three months and interest rates rose before the end of that period; then the sum borrowed could be relent at a profit. This type of ARBITRAGE is made possible by market distortions.
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<strong>NOLA</strong> – Notice of Loan Approval, a paper copy of the MDHE' s loan guarantee statement which schools may receive if profiled for this service.
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<strong>Wire</strong> – A realtime method of transferring funds electronically.
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postcode lottery (H4, 11)<br />Rationing of goods and services, especially health care, in the UK according to the place of residence, described by a postcode.
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<strong>ALAS</strong> – Auxiliary Loans to Assist Students. This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.

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