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information technology (03)<br />Methods of generating, processing and communicating information, especially using computer hardware and software. EXPERT SYSTEMS, data networks and electronic mail have revolutionized many functions of management and made possible the globalization of financial markets. In modem economies it has become central to the working of most firms and could be responsible for the beginning of a new LONG WAVE.<br /><em>Reference</em><br />Zorkoczy, P. (1982) Information Technology An Introduction, London and Marshfield, MA: Pitman.
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establishment (M1)<br />A place of business, a factory or a plant which is part or the whole of a firm.

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<strong>Origination Fee</strong> – A fee charged to offset the federal government' s cost of interest subsidies (for subsidized Federal Stafford Loans) and reinsurance payments for loans that either default or are eligible for forgiveness or discharge. This fee, if charged to the borrower, may be subtracted from the borrower' s loan proceeds at the time of disbursement.

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<strong>MODEL Gateway</strong> – A web loan delivery product developed by ASA, the MDHE' s servicer, to allow schools to process loan applications and changes with guarantors other than the MDHE.

<strong>DHE</strong> – 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 MDHE. The agency' s website may be found at www.dhe.mo.gov.
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<strong>SF</strong> – Within CommonLine file specifications, loan type code used to indicate a subsidized Federal Stafford Loan.
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incentive compatible (DO)<br />A state of affairs under which an individual has no incentive to change, e.g. under PERFECT COMPETITION when a buyer or seller accepts market determination of prices and cannot benefit by attempting to influence them.
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<strong>VR</strong> – Vocational Rehabilitation. The Missouri Department of Elementary and Secondary Education (DESE) administers VR programs.
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liquid market (G1)<br />A market where buying and selling are easy and low cost with the consequence that prices tend to their underlying values.

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<strong>SAY</strong> – Scheduled Academic Year. The fixed period, as published in a school' s printed materials, that generally begins and ends at the same time each year. The SAY is the period to which the statutory definition of an academic year must be applied and must meet the statutory requirements of an academic year as defined by the U.S. Department of Education.
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<strong>Holder</strong> – An eligible lender that owns a FFEL Program loan.
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<strong>Student Aid Report (SAR)</strong> – 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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commune (PO)<br />An association of persons jointly owning a

i.e. by current contributions, mainly by present members of the labour force.<br /> <br /><em>Reference</em><br />Gramlich, E.M. (1998) Is it time to reform social security?, Ann Arbor, MI: University of Michigan Press.<br /> Hicks, A. (1999) Social democracy and welfare capitalism: a century of income security politics, Ithaca, NY, and London: Cornell University Press.
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<strong>ED</strong> – U.S. Department of Education, which may also be referred to as DE or simply the Department.
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