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marzipan layer (G2, M1)<br />The managers below the level of director or partner who are responsible for the operations of a financial institution such as a bank or brokerage house,

<strong>H</strong> – Code used to request a “hold” on a disbursement or to indicate a hold status, as defined within CommonLine file specifications and located in the @1-09 record.

<strong>Source, The</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. 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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locomotive effect (04)<br />The expansionary effect of the economic growth of a large country on smaller countries which experience an increase in demand for their exports.
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income drawdown scheme (J3)<br />Taking income from a pension fund mstead of buying an annuity.
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duopoly (Ll)<br />An industry with two firms. Each duopolist's output and prices will depend on the market actions of the other. COURNOT's

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microcredit (G2, 01)<br />Small loans used to encourage small businesses in developing countries such as Bangladesh.
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<strong>LSDA</strong> – Late Stage Delinquency Assistance. Refers to procedures followed by Student Loan Counseling Services (SLCS) when a loan is 241 days delinquent or more. The MDHE contracts with SLCS for default aversion assistance services.
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Merton, Robert C., 1944- (B3)<br />Born in New York City, the son of a sociology professor. At Columbia University and the California Institute of Technology he studied mathematics. At the Massachusetts Institute of Technology he learned economics from SAMUELSON's Foundations of Economic Analysis and was soon to become his research assistant. From the age of 10 he had invested in the stock market so naturally turned to mathematical finance theory, working on the pricing of WARRANTS and applying the notion of EXPEcrED UTILITY to optimal portfolio selection. Subsequently he emphasized in his work the dynamics of institutional change as a guide to understanding the financial system and developed a formula for valuing stock OPTIONS. His academic career began in 1970 at the Sloan School of MIT; in 1988 he migrated to the Harvard Business School for the rest of his career. In 1997 he shared the NOBEL PRIZE FOR ECONOMICS with Myron SCHOLES. He has served on the boards of several MUTUAL FUNDS and been involved in long-term capital management.

exchange efficiency (D6)<br />An exchange of goods which makes at least one person better off, without anyone being worse off according to PARETO.
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migrant labour (F2, J2)<br />Foreign labour available in an economy for short periods of time, i.e. several months or a few years. This labour provides a national economy with a secondary labour force. It is popular with employers as it increases the ELASTICriY of labour supply and, being rarely unionized, can often be obtained at lower wage rates.<br /><em>See also:</em> guestworker; reserve army of labour; secondary labour market
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<strong>Disbursement date</strong> – The date loan funds are issued to the school or escrow agent. For a paper check, the disbursement date is the date the check is issued. For an electronic funds transfer via ACH or wire, the disbursement date is the date the funds are transferred from the lender to the school or escrow agent. (Note: under limited circumstances, a lender may also issue funds directly to the borrower.)

<strong>Federal Perkins Loan</strong> – The Federal Perkins Loan Program, a campus-based Title IV student loan program administered by the school.
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Loyd, Samuel jones, 1796-1883 (B3) English banker and leading monetary theorist of the CUR RENCY SCHOOL. Educated at Cambridge University; Ba ron Overstone from 1850. As a Member of Parliament and subsequently adviser to the BANK oF ENGLAND, he opposed many of the banking innovations of his day, including joint stock banking. His recommendations formed the basis for the BANK CHARTER ACT 1&44.<br /> <br /><em>Reference</em><br />McCulloch, J.R. (ed.) (1858) Tracts and Other Publications on Metallic and Paper Currency, London: Longman.<br /> O'Brien, D.P. (ed.) (1971) The Correspondence of Lord Overstone, 3 vols, Cambridge: Cambridge University Press.

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infant industry (LO)<br />A new industry with a low output and high average cost. As it is usually uncompetitive relative to producers in other countries it often attracts assistance under an IN;us. TRIAL POLICY or through PROTECTION.<br /><em>See also:</em> tariff
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<strong>MCCA</strong> – Missouri Community College Association. May be found on the world wide web at www.mocca.org.
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debt finance (G2)<br />Short- or long-term fixed interest finance that does not involve the transfer of ownership but usually requires collateraL Whatever the financial success or failure of an enterprise the commitment to servicing the debt remains. It is contrasted with EQUITY finance.

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regression (C1) see least squares method; linear regression
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final good (DO)<br />A good directly used by its ultimate COnsumer, unlike an INTERMEDIATE GOOD. The distinction between final and intermediate goods is crucial to the construction of an INPUT-OUTPUT table.

<strong>MAPCS</strong> – Missouri Association of Private Career Schools.
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they do not possess, e.g. part of the sky, to another person, or to devise other fraudulent investment schemes.<br /><em>See also:</em> bubble; Securities and Exchange Commission
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plastic money (E4)<br />CREDIT CARDS and DEBIT CARDS made with plastic and used instead of BANKNOTES, coINS and bank CHEQUES to pay for consumer goods and services.
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