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stable equilibrium (DO, EO)<br />An EQUILIBRIUM state maintained by the rules of the system concerned.

<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.

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department (M1, P1)<br />1 Part of an economy or economic organization.<br /> 2 A branch of capitalist production, according to MARX. He divided the economy into three departments: Department I, the means of production, i.e. energy, machines and tools, raw materials and buildings; Department II, consumer goods which reconstitute both the labour force and capitalists, contributing to their well-being; Department III, luxury goods, weapons, which renew neither constant nor variable capitaL

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market order (G1)<br />An order to buy or sell a SECURITY at the current market price.<br /><em>See also:</em> limit order

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<strong>Exit Counseling Workbook</strong> – An easy-to-read workbook that explains the ins and outs of repaying a student loan. 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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bioeconomics (PO, QO, Q2)<br />I The application of sociobiology to eco-
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marginal utility (DO)<br />The amount of satisfaction obtained from consumption of the last unit of a good or service. Although there were hints of such an analytical tool in economics before 1870, particularly in BENTHAM's writings, it was the MARGINALISTS who were first to make extensive use of the concept, employing differential calculus. The LAW oF DIMINISHING MARGINAL UTILI1Y was enunciated simultaneously.<br /><em>See also:</em> cardinal utility; util; utility

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regional wage bargaining (B)<br />Wage negotiations for an industrial or occupational group covering workers in part of a country. This departure from national wage bargaining is popular with many employers. It enables pay to reflect more closely LOCAL LABOUR MARKET conditions; unions have often objected to this as it gives rise to regional wage differentials thus departing from the hallowed union tradition of setting the same pay for all workers of the same occupation or industry.
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despite a rise in its price. INCOME AND suBSTITUTION EFFECTS analysis is USed to explain this paradox: the income effect outweighs the substitution effect and there is a change in the sign of the income effect from positive to negative.<br /> In the figure, 11 and 12 are the indifference curves of a particular consumer faced with the choice between goods F and G. There is a fall in the price of good G (more of it can be obtained for a fixed amount of F) expressed by a shift in the budget line from AC to AD, but there is also a fall in the quantity demanded of it from Or to Oq as the income effect yz is more than the substitution effect xz. <br /><em>Reference</em><br />Boland, L.A. (1977) 'Giffen goods, market prices and testability', Australian Economic Papers 16: 72-85.<br /> Stigler, G.J. (1947) 'Notes on the history of the Giffen paradox', Journal of Political Economy 55: 152-6.

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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.
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<strong>Standard repayment schedule</strong> – A repayment schedule under which the borrower pays the same amount for each installment payment throughout the entire repayment period OR pays an amount that is adjusted to reflect annual changes in a variable-rate loan.
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<strong>DFee</strong> – Default Fee, a fee required by the Deficit Reduction Act of 2005. All Stafford and PLUS Loans guaranteed on or after July 1, 2006 must be assessed a one percent fee. The fee either must be deducted from the borrower' s loan proceeds at the time of disbursement or paid by a third party from other non-federal sources (such as a lender or servicer). This fee is also referred to as FDF.

<strong>SAR</strong> – Student Aid Report, the paper output record provided to the student after completing the FAFSA. The SAR contains the student' s EFC and results of federal database matches. The electronic version of the record, which is sent to the school, is called the ISIR.

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