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caring society (D6, PO) see altruism; welfare state carry-back, carry-forward system (H2) A tax system which permits businesses to carry net operating losses back or forward against past or future gains in mcome or capital appreciation.
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<strong>Federal Family Education Loan Program (FFELP)</strong> – Federal student loans that were authorized by Title IV, Part B, of the Higher Education Act of 1965, as amended. FFEL Program loans are funded by private lenders and are guaranteed by state agencies or other non-profit organizations. FFEL Program loans include Federal Stafford (subsidized and unsubsidized), Federal PLUS (for parents or for graduate/professional students), and Federal Consolidation Loans.

<strong>NCAA</strong> – National Collegiate Athletic Association.
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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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output capacity (D2)<br />Performance from a machine or a productive mechanism available to a consumer. A concept especially applicable to the oil industry.
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<strong>Regulation B</strong> – The section of the Equal Credit Opportunity Act (12 CFR 202) that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, ######, marital status, or age.
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self-interest (DO)<br />Private interest. This desire for personal gain prompts productive activity. It is not to be equated with selfishness as cooperative behaviour yields private returns. The idea was central to Adam Smith's WEALTH OF NATIONS.<br /> <br /><em>Reference</em><br />Meyers, M.L. (1983) The Soul of Modern Economic Man: Ideas of Self-Interest, Thomas Hobbes to Adam Smith, Chicago: Chicago University Press.

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pecuniary returns (D3)<br />Rewards to a FACTOR OF PRODUCTION in the form of money.<br /><em>See also:</em> non-pecuniary returns
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net investment (E2)<br />An addition to the stock of capital m a given time period. Net investment plus REPLACEMENT INVESTMENT constitute gross investment.<br /><em>See also:</em> accelerator principle
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<strong>NOG</strong> – Notice of Loan Guarantee and Disclosure Statement, which is sent to lenders upon the guarantee of a loan by the MDHE. The lender then sends a copy of the NOG to the borrower.
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<strong>Wage garnishment</strong> – The withholding of a portion of a borrower' s wages to repay a defaulted loan. (See also AWG.)
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<strong>Common Account Maintenance (CAM)</strong> – The FFEL Program industry' s electronic data standard used by lenders, servicers, and guarantors. Created by the National Council of Higher Education Loan Programs (NCHELP), CAM specifies the type of content, record format, and file structure for sharing data on borrowers and their loans.
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turnover tax (H2)<br />A tax levied on the value of the sales revenue of a firm. It is distortionary in that the total tax paid will be higher for goods passing through several firms to their final sale than for those which do not.

industrial muscle (J5)<br />The ability of a group of workers to press a demand for increased wages or improved working conditions because they are in an industry producing essential goods or services. Workers in energy and transport industries have usually been more powerful in COLLECTIVE BARGAINING because the withdrawal of their labour creates a crisis in a national economy.<br /><em>See also:</em> strike
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Christian socialism (P2)<br />The intellectual and practical endeavour to apply Christian social principles to an industrial and competitive society. It is particularly associated in England with Frederick Denison Maurice (1805-72) and Charles Kingsley (1819-75) who preached the merits of co-operation, promoted associations for working men and founded in 1854 a working men's college. In the twentieth century, the FABIAN sociETY and GUILD SOCIALISM continued the tradition; many in the UK Labour Party have attempted to marry Christian ideals to socialism. In France SAINT-SIMON (17601825) recommended a new Christianity which would encourage producer associations; later in the nineteenth century there were strong Roman Catholic movements to provide a theology of socialism. In the USA Washington Gladden (1836-1918) fought to make the Congregational Church accept its social responsibilities and inspired the Social Gospel movement. Richard Ely (1854-1943), a founder of the AMERICAN ECONOMIC ASSOCIATION, expressed his Christianity in his advocacy of the public control of resources and the encouragement of trade unions. The Society of Christian Socialists was founded in 1889. The earliest inspirations for Christian socialism were the New Testament, with its injunction 'Love Thy neighbour as Thyself', and the experiment of the early Church of holding all things in common. In the Middle Ages, AQUINAS and others recommended a JUST PRICE.<br /><em>Reference</em><br />Cort, J.C. (1988) Christian Socialism: an informal history, Mary Knoll, NY: Orbis. Norman, Edward (1987) The Victorian Christian Socialists, Cambridge: Cambridge University Press.

Slutsky effect (DO)<br />A consumer's reaction to a change in price. This fundamental equation of price theory splits the effect of a price change into an INCOME EFFECT and a SUBSTITUTION EFFECT. The effect can also be applied to the effect on the labour supply of a LUMP-suM TAX. HICKS in Value and Capital attributed this to the Russian mathematician and statistician SLUTSKY who contributed suggestions about consumer theory to economics.
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<strong>MDHE</strong> – Missouri 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 DHE. The agency' s website may be found at www.dhe.mo.gov.
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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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