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Banking School (N2)<br />A group of UK economists, led by Thomas Tooke and John Stuart MILL, who argued that there could never be an excess note issue as notes were only issued to cover real transactions. Also, they wanted the Bank of England to have higher reserves and the growing importance of bank deposits to be incorporated into monetary theory.<br /><em>See also:</em> Bank Charter Act 1844; Currency School; Free Banking School; real bills doctrine
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concentration economy (DO)<br />An ECONOMY OF SCALE arising from the concentration of industry in a particular area.<br /> See also: agglomeration economy
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<strong>Borrower-based academic year (BBAY)</strong> – An academic year that deviates from the standard definition and is often used by technical or vocational schools or within non-traditional programs of study. A BBAY is individualized for each borrower and generally covers a period of time during which the borrower completes at least a certain number of credit hours.
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