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shadow director (G3)<br />A person who has a considerable influence over a company without being a registered director.
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jobs-based analysis (JO)<br />A mixed approach to the study of work, wages and labour markets using a cluster of theories, including TOURNAMENT MODELS, hierarchies, HEDONIC WAGE analysis, job investment, insurance and work sharing.<br /><em>Reference</em><br />Lazear, E.P. (1995) 'A jobs-based analysis of labor markets', American Economic Review 85: 260-5.

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<strong>GO</strong> – Guarantee Only, a type of application process flow within the FFEL Program and outlined in CommonLine file specifications. In a “GO” process flow, the school submits loan application information to the guarantor, which then guarantees the loan and takes no further action. It is assumed that either the school or the lender will obtain a signed MPN from the borrower either via paper or an electronic method.

<strong>Electronic Standards Committee (ESC)</strong> – A committee sponsored by NCHELP through which CommonLine and other electronic file formats and methods are determined.

<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.

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been very costly as overproduction has led to at least 60 per cent of the agricultural budget being spent on disposing of surpluses. Temporary bans on production and the giving of surpluses to charities are used from time to time. Mansholt in Agriculture 1980 (published 1968) set out a ten-year plan for restructuring European agriculture, including the retiring of farmers and the concentration of agricultural production into larger and more efficient units. The plan achieved little as it met with national resistance, especially for threatening the existence of small family farms. This policy has reduced European Community imports from the rest of the world and insulated community domestic prices for agricultural produce from world price fluctuations, destabilizing the prices and incomes of the farmers of other countries. Within the European Community, the policy has redistributed income from consumers and taxpayers to producers and discriminated against industry. In countries such as the UK, higher food costs have met with much criticism; in developing countries, many farmers have gone out of business through being excluded by so large a market as the European Community. The URUGUAY ROUND of the GENERAL AGREEMENT ON TARIFFS AND TRADE negotiations attempted to reduce the protectionism of the CAP.

mature economy (NO, 03)<br />A stagnant advanced economy; an economy
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intermediate good (DO)<br />A good used in the production of another, e.g. steel used in electrical goods industries. Intermediate goods can be identified by an INPUT OUTPUT ANALYSIS.<br /><em>See also:</em> final good

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<strong>NAACP</strong> – National Association for the Advancement of Colored People.

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<strong>Aid Year (AY)</strong> – For the purposes of federal student aid, a period that begins on the first day of classes and ends on the last day of classes or examinations and that consists of at least 30 weeks of instructional time. The standard federal and state definition of an academic year is July 1 through June 30. (Note: the acronym “AY” may also refer to the Academic Year or Award Year.)
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<strong>National Council of Higher Education Loan Programs (NCHELP)</strong> – The FFEL Program national association for guarantors, secondary markets, collection agencies, and other organizations. 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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<strong>AGI</strong> – Adjusted Gross Income, an income figure on federal tax returns used to perform need analysis and verification.
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categorical grant (H2)<br />A grant from a central or federal government to a lower level of government to be spent on only a particular category of expenditure. Such grants can be based on a formula (e.g. reflecting the size and age distribution of the population) or on a project (e.g. introducing a new educational curriculum). They usually require matching funds by state or local government.

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