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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
SOX — Sarbanes-Oxley
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
AAO — Affirmative Action Officer
TTL — Total
MNC — Multinational Corporation
RMA — Return Merchandise Authorization
DEPR. — Depreciation
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
ACR — Accrual
URL — Universal Resource Locator
OSS — Open Source Software
B/E — Breakeven
LAN — Local Area Network
BCWP — Budgeted Cost for Work Performed
UNLTD — Unlimited
M-O-M — Month over month
CORELAP — Computerised Relationship Layout Planning
GPROI — Gross Profit Return on Investment
RAROC — Risk-Adjusted Return On Capital
CP — Contingency Plan
YTD — Year To Date
O/S — Outstanding
IGO — Intergovernmental Organization
GLB — Gramm-Leach-Bliley Act
ETA — Estimated Time of Arrival
B-TO-C — Business to consumer
P.L. — Public Law
OPT — Other People's Time
P.O.C. — Paid outside of closing
BGT — Budget
DDB — Double-Declining-Balance
XML — Extensible Markup Language
GEICO — Government Employees Insurance Company
ARPANET — Advanced Research Projects Agency Network (early internet)
BFOQ — Bona Fide Occupational Qualification
FLSA — Fair Labor Standards Act
O*NET — Occupational Information Network
CAGR — Compound Annual Growth Rate
S&OP — Sales and Operations Planning
FMLA — Family Medical Leave Act
A.O.B. — Any other business
BBS — Bulletin Board Service
FOMC — Federal Open Market Committee
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
HIPPA — Health Insurance Portability and Accountability Act
CSR — Customer Service Representative

PLS — Please
APR — Annual Percentage Rate
RFID — Radio Frequency Identification
MBTI — Myers-Briggs Type Indicator
BCA — Business Continuity Plan
DOB — Date Of Birth
U&C — Usual and customary
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
B-TO-B — Business-To-Business
THX — Thanks
ROM — Read-Only Memory
F/B/O — For benefit of
FTP — File Transfer Protocol
U.S.C. — United States Code
JC PENNEY'S — James Cash Penney
CRFB — Committe for Responsible Federal Budget
ATF — As Trustee for
E.O. — Executive Order
P&Z — Planning & Zoning
RCNLD — Replacement Cost New Less Depreciation
A/OPC — Agency/Organization Program Coordinator
ACC — Accounting Classification Code
UNICEF — United Nations International Children's Emergency Fund
KPMG — Klynveld Peat Marwick Goerdeler
LY — Last Year
ANSI — American National Standards Institute, Inc.
FTE — Full Time Equivalent
AFDC — Aid to Families with Dependent Children
M.O.M. — Middle of the month
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
W/O — Without
ATM — Automatic Teller Machine
CBPP — Center on Budget and Policy Priorities
CMO — Collateralized Mortgage Obligation
RNFA — Return On Net Financial Assets
C.L.U.E. — Comprehensive Loss Underwriting Exchange
W-A — Weighted average
NFI — Net Financial Income
SSN — Social Security Number
FISMA — Federal Information Security Management Act
LIFO — Last In, First Out
ARO — After Receipt of Order
IT — Information Technology
NOC — Net Operating Capital
ANOVA — Analysis of Variance (statistics)
A&MMS — Acquisition and Materiél Management Service
C-CPI — Chained Consumer Price Index
UNESCO — United Nations Educational, Scientific and Cultural Organization
PPE — Personal Protective Equipment
E&IT — Electronic and Information Technology

UBTI — Unrelated Business Taxable Income
POD — Proof Of Delivery
FAC-P/PM — Federal Acquisition Certification Program/Project Management
P&L — Profit and Loss statement
GM — Gross Margin
C.&F. — Cost and freight
U.S. DOL — United States Department of Labor
J/E — Journal entry
QDRO — Qualified Domestic Relations Order
IRC — Internet Relay Chat
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
EPA — Environmental Protection Agency (US)
CAO — Chief Accounting Officer
KPI — Key Performance Indicator
FIFO — First In, First Out
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
SD — Standard Deviation
U.S. DOJ — United States Department of Justice
OA&L — Office of Acquisition and Logistics
COB — close of business (End of duty day)
A&MM — Acquisition and Materiél Management
MPC — Marginal Propensity to Consume
ROM — Range Of Motion
PDF — Portable Document Format (created by Adobe Acrobat)
M/M — Month-over-month
SALY — Same As Last Year
DRIP — Dividend Reinvestment Plan
CADR — Cash available for distribution before debt reduction
M.ED — Masters in Education
GATB — General Aptitude Test Battery
FDIC — Federal Deposit Insurance Corporation
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
I-TIPS — Information Technology Investment Portfolio System
OI — Operating Income
AAA-CPA — American Association of Attorney-Certified Public Accountants
PO — Purchase Order
CBD — Cash Before Delivery
FEMA — Federal Emergency Management Agency
LLC — Limited Liability Company
FF&E — Furniture, Fixtures & Equipment
WAASE — Division for Western Asia, Arab States and Europe
IP — Internet Protocol
IDIQ — Indefinite Delivery, Indefinite Quantity
ATTN — Attention
QC — Quality Control
RFP — Request For Proposal
POA — Power Of Attorney
VAGFE — VA-owned Government Furnished Equipment
IM/IT — Information Management/Information Technology
WHO — World Health Organization

AAA — American Automobile Association
S&U — Sales and use
NAFEP — National Association of Financial and Estate Planning
CBC — Complete Blood Count
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
CD — Certificate of Deposit
QCEW — Quarterly Census of Employment and Wages
EOQ — economic order quantity
YUPPIE — Young Urban Professional
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
ISP — Internet Service Provider
AUP — Acceptable Use Policy
CY — Calendar Year
ACCT — Account
INC — Intergovernmental Negotiating Committee
ITEP — Institute on Taxation and Economic Policy
GP — Gross Profit
LC — Letter of Credit
DKNY — Donna Karan New York
IACSD — Inter-Agency Committee on Sustainable Development
GDP — Gross Domestic Product
RFQ — Request For Quotation
IRR — Internal Rate of Return
CCB — Change Control Board
EBITA — Earnings before interest taxes depreciation amortization
ETA — Department of Labor's Employment and Training Administration
WACC — Weighted Average Cost Of Capital (accounting)
GSM — Global System for Mobile Communications
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
MSDS — Material Safety Data Sheets
EAP — Employee Assistance Program
ACH — Automated Clearing House
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
AA — Affirmative Action
BOV — Broker’s Opinion of Value
EDI — Electronic Data Interchange
IPO — Initial Public Offering
CEO — Chief Executive Officer
HIPC — Heavily Indebted Poor Countries
IBAN — International Bank Account Number
BSA — Bank Secrecy Act
LOI — Letter Of Intent
O&M — Operation and Maintenance
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
OECD — Organization for Economic Cooperation and Development
PC — Politically Correct
ASCII — American National Standard Code for Information Interchange
MTBF — Mean Time Before Failure
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
TSR — Total Shareholder Return

PIP — Performance Improvement Plan
EST — Eastern Standard Time
WRLDWD — Worldwide
DIH — Days Inventory Held
TQM — Total Quality Management
CMT — Constant Maturity Treasury
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
CV — Curriculum Vitae
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
FLRA — Federal Labor Relations Authority's
SMTP — Simple Mail Transfer Protocol
FIT — Financial institutions tax
NFE — Net Financial Expense
UTD — Under Trust Dated
BPML — Business Process Modeling Language
R&D — Research & Development
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
ABC — activity based costing
FINRA — Financial Industry Regulatory Authority
ARB — Architecture Review Board
EEO — Equal Employment Opportunity
AP — Accounts Payable
SRAM — Static Random Access Memory (ess-ram)
SLA — Service Level Agreement
LOB — Line Of Business
COD — Cash On Delivery
FICCO — Fair Issac Credit Organization
LLP — Limited Liability Partnership
ADB — Asian Development Bank
RTO — Reverse Take-Over
BFP — Bona Fide Purchaser
MDGD — Management Development and Governance Division
NRI — Net Revenue Interest
DCP — Defined Contribution Plan
NPV — Net Present Value {economics}
CPO — Cost Per Order
CE&O — Customer education and outreach
CPI — Consumer Price Index
NOA — Net Operating Assets
UPS — United Parcel Service, Inc.
CBA — Cost Benefit Analysis
GIS — Geographic Information System
GL — General Ledger
NFO — Net Financial Obligations
CDO — Collateralized Debt Obligation
EOD — End Of Day
CIP — Carriage and Insurance Paid to
SOHO — Small Office/Home Office. Acronym expression for the 'virtual office' environment and characteristics found in self-employed and small businesses, that are increasingly prevalent in the modern business age.
ADR — American Depositary Receipt
G2C — Government to Consumer

C&F — Cost and Freight
OTC — Over The Counter (medications not requiring a prescription)
USDA — United States Department of Agriculture
LMRA — Labor Management Relations Act
DFA — Department of Finance and Administration
PAQ — Position Analysis Questionnaire
LTCM — Long-Term Capital Management
ASME — American Society of Mechanical Engineers
DVP — Delivery Versus Payment
MTF — Medical Treatment Facility
ADP — Automated Data Processing
FY — Fiscal Year
VPN — Virtual Private Network (ATM)
EDWOSB — Economically disadvantaged woman-owned business
AWOL — Absent Without Leave
MTD — Month-to-date
OJT — On the Job Training
NOPAT — Net Operating Profit After Tax
PDA — Personal Digital Assistant
ROIC — Return on Invested Capital
CBO — Congressional Budget Office
ADL — activity of daily living
EXCOM — Executive Committee
GATT — General Agreement on Tariffs and Trade (government)
WML — Wireless Markup Language
MIS — Management Information System (OSHA)
GPS — Global Positioning System (ex-NAVSTAR)
DBA — Doing Business As
SAAS — Software as a Service
OT — Overtime
APPROX — Approximate
ETR — Effective Tax Rate
ANCOM — Andean Common Market
BLS — Bureau of Labor Statistics of the United States Department of Labor
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
LTV — Loan To Value
ICFR — Internal Control Over Financial Reporting
ADR — Alternative Dispute Resolution
AAR — Average Annual Return
AUM — Assets Under Management
FR — Federal Register
EO — Executive Order
ROE — Return On Equity
NAB — Non-accrual basis
IVR — Interactive Voice Response (telephone technology)
NDA — Non-Disclosure Agreement
ARM — Adjustable Rate Mortgage
YTM — Yield to Maturity
CP — Commercial Paper
EU — European Union (1994; formerly referred to as the EEC or EC)

ABO — Accumulated Benefit Obligation
JV — Joint Venture
CAPEX — Capital Expenditure
AD — Advertisement
TBD — To Be Determined
F/K/A — Formally known as
ADR — American Depository Receipt
RPI — Retail Price Index
POS — Point Of Sale.Retail term, being the physical point at which products are displayed on shelves or paid for at the checkout, as in the EPOS acronym.
NYSE — New York Stock Exchange
DOD — United States Department of Defense
P&G — Proctor and Gamble
IRA — Individual Retirement Account
DOT — Department of Transport
CFM — Construction Facility Management
ADP — Actual Deferral Percentage
DMAIC — Define, Measure, Analyze, Improve, Control
PE — Private Equity
SG&A — Selling, general, and administrative expenses
IBM — International Business Machines Corporation
ABM — Activity Based Management
DUSHOM — Deputy Under Secretary for Health for Operations and Management
IPS — Investment Policy Statement
SKU — Stock Keeping Unit
CIO — Chief Information Officer
3M — Minnesota Mining And Manufacturing Company
UNDMT — United Nations Disaster Management Team
MSRP — Manufacturer's Suggested Retail Price
UCC — Uniform Commercial Code
CPM — Critical Path Method
TDC — Total Direct Compensation
PD — Position Description
PV — Present Value
CRO — Chief Risk Officer
GNP — gross national product (economics)
AGI — Adjusted Gross Income
HMO — Health Maintenance Organization
PPO — Preferred provider organization
REO — Real Estate Owned
RAM — Reverse Annuity Mortgage
CAE — Computer-Aided Engineering
GOI — Gross Operating Income
RONA — Return On Net Assets
ITIN — Individual Taxpayer Identification Number
SAN — Storage Area Network
PFA — Prevention of Food Adulteration Act
RAM — random-access memory
ARC — American Red Cross
ERP — Emergency Response Plan
LOC — Line Of Credit

HROD — Human Resources and Organizational Development
ROG — Receipt Of Goods
C2C — Consumer To Consumer. Marketing/trading model by which ordinary people sell and provide products/services to each other. It's an ancient model, prehistoric in fact, virtually extinguished by the industrial revolution and corporate age, (see B2B/B2C), alth
IMF — International Monetary Fund
DC — Defined Contribution
PDM — Product Data Management
LWDI — Lost Work Day Injury Rate
BOL — Bill Of Lading
ICAO — International Civil Aviation Organization
FAR — Federal Acquisition Regulation
PM — Performance Management
KSOP — 401(k) Employee Stock Option Plan
ALM — Asset Liability Management
CFROI — Cash Flow Return on Investment
ESP — Exchange Stock Portfolio
QTY — Quantity
RFC — Request For Comment
Q — Quarter
ICE — Intrusion Countermeasures Electronics
OTB — Open To Buy
GRUT — Grantor Retained Unitrust
CTR — Currency Transaction Report
IOC — Intergovernmental Oceanographic Commission
LFPR — labor force participation rate
PGP — Pretty Good Privacy (encryption)
APT — Arbitrage Pricing Theory
ALDEP — Automated Layout Design Programs
FDA — Food Drug Administration
CMA — Comparative Market Analysis
NNN — Triple Net (Lease)
JIT — Just in time
FTA — Free-Trade Agreement
AARP — American Association of Retired Persons
DES — Data Encryption Standard
CIM — Computer Integrated Manufacturing
FAA — Federal Aviation Administration
IETF — Internet Engineering Task Force
Y/Y — Year-over-year
MIGA — Multilateral Investment Guarantee Agency
LWP — Leave With Pay
ASP — Active Server Page
LMI — Labor Market Information
AFDA — Allowance for Doubtful Accounts
NFA — Net Financial Assets
EEOC — Equal Employment Opportunity Commission
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
EE — Employee
COO — Chief Operation Officer
EMA — Exponential Moving Average
ROR — Return on Revenue

CPC — Cost Per Click-through
RIF — Reduction In Force
AGR — Adjusted Gross Revenue
IFRIC — International Financial Reporting Interpretations Committee
AER — Annual Equivalent Rate
AM — Asset Management
B/L — Bill of Lading
CRM — Customer Relationship Management
FUBU — For Us By Us
SDR — Special Drawing Rights
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
QOS — Quality of Service
CTS — Carpal Tunnel Syndrome
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
BEA — Bureau of Economic Analysis
PC — Percent
HVAC — Heating, Ventilation, and Air Conditioning
POP — Point Of Purchase
TIN — Taxpayer Identification Number
AE — Account Executive
SGLI — Servicemember Group Life Insurance
AMA — American Medical Association
ROTA — Return On Total Assets
DMA — Designated Market Area
STSFCTN — Satisfaction
C&B — Compensation and Benefits
GA — General Assembly
FOB — Free On Board
NPW — Net Present Worth
VC — Venture Capital
CV — Cost Variance
DPKO — Department of Peacekeeping Operations
HR — Headquarters Report
CDC — Center for Disease Control and Prevention
GRM — Gross Rent Multiplier
FOREX — Foreign Exchange
BIW — Biweekly
FAS — Free Alongside Ship
DJIA — Dow Jones Industrial Average
POP — Point Of Presence (Internet)
G2G — Government to Government
WIP — Work in Process
CRS — Congressional Research Service
BD — Business Development
ACWP — actual cost for work performed
BHAG — Big Hairy Audacious Goal
IATA — International Air Transport Association
QA — Center for Quality Assurance in International Education
PFD — Preferred
AIG — American International Group, Inc

CBT — Computer Based Training
NIBCL — Non-interest bearing current liabilities
NSC — National Security Council
CTO — Compensatory Time Off
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
DNS — Domain Name System
GMP — Good Manufacturing Practice
FINCEN — Financial Crimes Enforcement Network
AMEX — American Stock Exchange
JD — Juris Doctorate
BOMA — Building Owners and Managers Association
DSO — Day Sales Outstanding
POE — Point of Entry
ISDN — Integrated Services Digital Network
RR — retention rate
NAV — Net Asset Value
OTCEI — Over the Counter Exchange of India (stock exchange)
UIM — Underinsured Motorist
SLIP — Serial Line Interface Protocol
OA — Operating Assets
CPM — Certified Property Manager
RSF — rentable square feet
POCS — Points of Contact
STD — Standard
FAO — Food and Agriculture Organization of the United Nations
GMWB — Guaranteed Minimum Withdrawal Benefit
SIC — Standard Industrial Classification (Code)
EP — Earned Premium
LOA — Leave Of Absence
OPR — Other People's Resources
AON — Angolan New Kwanza
IRS — U.S. Internal Revenue Service
BI — Business Intelligence
GRP — Gross Rating Point
GSA — U.S. General Services Administration
IRC — Internal Revenue Code of 1986
PRI — Primary Rate Interface (ISDN)
SQA — Software Quality Assurance
GRAT — Grantor Retained Annuity Trust
RMP — Risk Management Plan
NATO — North Atlantic Treaty Organisation
MSA — Metropolitan Statistical Area
SEPG — Software Engineering Process Group
CUM PFD — Cumulative preferred
ARNP — Advanced Registered Nurse Practitioner
JOA — joint operating agreement
BOO — Build Own Operate
EV — Enterprise Value
BPA — Blanket Purchase Agreement
MBA — Mortgage Bankers Association of America

SM — Service Mark
HR&A — Human Resources and Administration
ETF — Exchange Traded Fund
CF — Cash Flow
CIMA — Chartered Institute of Management Accountants
CTO — Chief Technology Officer
FDCPA — Fair Debt Collection Practices Act
ROI — Return on Investment
BS — Balance Sheet
DRP — distribution requirements planning
AMA — American Management Association
FASAB — Federal Accounting Standards Advisory Board
ABP — Average Benefit Percentage
FRF — Financial Reporting Framework
D/O — Delivery Order
ADB — African Development Bank
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
AJE — Adjusting Journal Entry
WWW — World Weather Watch
PNP — Plug aNd Play
REIT — Real Estate Investment Trust
ABS — Automated Bond System
VISN — Veterans Integrated Service Network
CFR — Code of Federal Regulations
CR — Continuing Resolution
COOP — Continuity of Operations
ABA — American Bankers Association
BOD — Board of Directors (Budget)
EIN — Employer Identification Number
WC — Worker's Compensation
IFRS — International Financial Reporting Standard
ACRS — Accelerated Cost Recovery System (finance)
PNG — Portable Network Graphics (graphic file standard/extension)
CCAQ — Consultative Committee on Administrative Questions
DOE — United States Department of Energy (government)
ATO — Asset Turnover
BOOT — Build Own Operate Transfer
CISO — Chief Information Security Officer
EOY — End-Of-Year
MSN — Microsoft Network
DOJ — Department of Justice (US)
DCR — Debt Coverage Ratio
IMAP — Internet Message Access Protocol
EFT — Electronic Funds Transfer
TCO — Total Cost of Ownership
FPL — Federal Poverty Level
OASDI — Old Age Survivors Disability Insurance
CUSFTA — Canada-US Free Trade Agreement
PVGO — Present Value of Growth Opportunities
SEM — Search Engine Marketing

TER — Total Expense Ratio
ODA — Official Development Assistance
MIRR — Modified Internal Rate of Return
MEC — Modified Endowment Contract
ROGFA — Return on Gross Fixed Assets
IDIT — Intentionally defective irrevocable trust
FTE — Full-Time Employee
COLA — Cost of Living Adjustment (or Allowance)
IAEA — International Atomic Energy Agency
CPM — Continuous Passive Motion
ACO — Administrative Contracting Officer
CRAT — Charitable Remainder Annuity Trust
CIP — Capital Investment Proposal
JD — Job Description
UNSCO — Office of the United Nations Special Coordinator for the Middle East
NT — Near-Term
SBU — Strategic Business Units
ASP — Application Service Provider
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
BOE — Bank of England
TCN — Third Country National
SMT — Senior Management Team
SAR — Stock Appreciation Right
GSF — Gross Square Feet
PC — Personal computer (host)
MAD — Mean Absolute Deviation
LTO — Long-Term Option
CPP — Capital Purchase Program
CRT — Charitable Remainder Trust
IM — Information Management
ITLOS — International Tribunal for the Law of the Sea
BARS — Behaviourally-Anchored Rating Scale
PMI — Private Mortgage Insurance
DAC — Delivery Against Cost
ERP — Estimated Retail Price
CMO — Chief Marketing Officer
SRM — Supplier Relationship Management
EBT — Earnings Before Tax
NAM — National Association of Manufacturers
POC — Proof of Claim
TTM — Trailing Twelve Months
ETA — Employment and Training Administration
OMB — Office of Management and Budget (U.S.)
MSA — Medical Savings Account
A&H — Accident and health insurance
COGS — Cost of Goods Sold
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
ISO/MSP — Independent sales organization/Member service provider
EOE — Equal Opportunity Employer
HAZMAT — Hazardous Material

ITC — Information Technology Center
CMS — Content Management System
FOIA — Freedom of Information Act
RULPA — Revised Uniform Limited Partnership Act
MA — Moving Average
4P — Price, Product, Place and Promotion
CFO — Communication Filing Officer
EFA — Education for All
XTML — eXtensible Telephony Markup Language
PM — Program Manager
DTA — Deferred tax assets
DCA — Dollar Cost Averaging
WC — Working Capital
PBO — Projected Benefit Obligation
MSA — Merit Salary Adjustment
PAT — Profit After Tax
AQL — Acceptable Quality Level
IDR — Issuer Default Rating
POD — Payable on Death
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
SAS — Statement on Auditing Standards
CPA — Certified Public Accountant
BDF — Beneficiary Designation Form
AMT — Amount for Married Taxpayers
VSNL — Videsh Sanchar Nigam Limited
DPP — Direct Participation Program
GRIT — Grantor Retained Income Trust
APY — Annual Percentage Yield
CME — Chicago Mercantile Exchange
IMO — International Maritime Organization
SAR — Suspicious Activity Report(ing)
CPM — Corporate Performance Management
BOP — Bureau Of Prisons
ASB — Accounting Standards Board
UI — User Interface
ERISA — Employee Retirement Income Security Act
SAM — Shared-Appreciation Mortgage
AD&D — Accidental Death and Dismemberment
CAFTA — Central American Free Trade Agreement
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
DUSH — Deputy Under Secretary for Health
ADI — After Date of Invoice
AED — United Arab Emirates Dirham
RWA — Risk Weighted Asset
DI — Disability Insurance
ITF — In Trust For
PHP — PHP Hypertext Processor
CASB — Cost Accounting Standards Board
CAPM — Capital Asset Pricing Model
MVIC — Market Value of Invested Capital

DCF — discounted cash flow rate
CMM — Capability Maturity Model
LBO — Leveraged Buyout
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
OCR — Overall Capitalization Rate
EURIBOR — Euro Interbank Offered Rates
HELOC — Home Equity Line of Credit
ITU — International Telecommunication Union
LTIP — Long-Term Incentive Plan
BNA — Bureau of National Affairs, Inc.
PD — Paid
IFB — Invitation For Bid
ADP — Average Deferral Percent
HQ — Headquarters (HDQ Preferred)
OAS — Option Adjusted Spread
BCR — Benefit/Cost Ratio
ERV — Estimated Rental Value
GED — General Equivalency Diploma
NTIS — National Technical Information Service Technology Administration
PPI — Producer Price Index
FMS — Financial Management Service
ICC — International Criminal Court
FSA — Flexible Spending Account
BAFO — Best and Final Offer
CSRS — Civil Service Retirement System
CUM — Cumulative
BOS — Behavior Observation Scale
CBCMC — Clinical Bar Code Multidisciplinary Committee
OE — Operating Expense
HCFA — Health Care Financing Administration
MC — Market Capitalization
UNU — United Nations University
HSA — Health Savings Account
ROS — Return on Sales
ITC — Information Technology Conference
HDI — Human Development Index (UNDP yardstick of human welfare)
UNEP — United Nations Environment Program
HIBOR — Hong Kong interbank offered rate
FCC — Federal Communications Commission (US)
GFE — Good Faith Estimate
COS — Chief of Staff
SBLC — Standby Letter of Credit
3PL — Third Party Logistics
CEN — Committee European de Normalisation
RAID — Redundant Array of Inexpensive Disks
NI — Net Income
TDA — Tax Deferred Annuity
CBIT — Comprehensive Business Income Tax
KSAO — Knowledge, Skills, Abilities and Other
TCE — Tangible Common Equity

RO — Regional Office
CMA — Certified Management Accountant
ATCF — After Tax Cash Flow
EPS — Earnings per share
ZIP — Zone Improvement Plan
GPP — Gross Profit Percentage
PERT — Program Evaluation and Review Technique
GPI — Gross potential income
G2B — Government to Business
CAGR — Compounded Annual Growth Rate
SNA — System of National Accounts
AICPA — L'American Institute of Certified Public Accountants
PM — Profit Margin
RTF — Rich Text Format
TL — Truckload
DBA — Data Base Administrator
TM — Trademark
MLS — Multiple Listing Service
CFA — Chartered Financial Analyst
FCRA — Fair Credit Reporting Act
ITA — International Trade Administration
FTC — Federal Trade Commission (U.S.)
FASAB — Financial Accounting Standards Advisory Board
CMA — Certified Management Accountant
B2B — Business to Businesse
OJT — On-The-Job-Training
CPG — Consumer Packaged Goods
SC — Security Council
LBB — Legislative Budget Board
IP — Intellectual Property
MDB — Multilateral Development Bank
DDU — destination delivery unit
AAA — authentication, authorization, and accounting
WRKSHP — Workshop
SCM — Supply Chain Management
RO/RL — Rool on/roll off
CGS — Cost of Goods Sold
CVP — Cost-Volume-Profit
ROCE — Return On Capital Employed
RP — Repurchase Agreement
USP — Unique Selling Point
APV — Adjusted Present Value
TRO — Temporary Restraining Order
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
ACV — Actual Cash Value
SOHO — Small Office Home Office
ESOP — Employee Stock Ownership Plan
OSHA — Occupational Safety and Health Act (1970)
FASAC — Financial Accounting Standards Advisory Council
REPO — Repurchase Agreement

OPM — Office of Personnel Management
DOL — United States Department of Labor
CDHP — consumer-driven health plan
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
F2F — Face-to-Face Meeting
CHR — Commission on Human Rights
COE — Certificate of Eligibility
HUD — Department of Housing and Urban Development (U.S.)
EXP — Export
ASEAN — Association of South East Asian Nations
ROOA — Return on Operating Assets
CPM — Cost Per Thousand
GSI — general salary increase
COTR — Contracting Officer Technical Representative
EPA — Equal Pay Act
PRP — Preferred Risk Policy
CDL — Commercial Driver's License
QTD — Quarter-to-Date
LIBOR — London interbank offering rate
OID — Original Issue Discount
NIH — NATIONAL INSTITUTE OF HEALTH
TIL — Truth in Lending
MPS — Marginal Propensity to Save
PW — present worth
IRIN — Integrated Regional Information Networks
BLM — Bureau of Land Management of United States Department of the Interior
NOI — Net Operating Income
BU — Bargaining Unit
APR — Annual Percentage Rate
HR — HUMAN RESOURCES
EOB — Explanation Of Benefits
CODASYL — Committee on Data Systems Languages
FFY — Federal Fiscal Year
QMAC — Qualified Matching Contributions
TDI — Temporary Disability Insurance
STR — Software Test Report
HR — Human Resource
TAM — Television Audience Measurement
CPI — Cost Performance Index
PHC — Personal Holding Company
IC — Internal Control
LLLP — Limited Liability Limited Partnership
RESPA — Real Estate Settlement Procedures Act
AOV — Average Order Value
MMDA — Money Market Deposit Account
XHTML — Extensible Hypertext Markup Language
EVA — Economic Value Added
LTA — Long-Term Agreement
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
CSA — Cost Sharing Arrangement

PY — Prior Year
BRI — Basic Rate Interface
EPZ — Export Processing Zone
ATB — Across the Board
EPTA — Expanded Programme of Technical Assistance
MER — Management Expense Ratio
PY — Program Year
PDA — Personal Data Assistant
VIE — Variable Interest Entity
GIF — Graphic Interchange Format
B&O — Business and Occupation
NLRB — National Labor Relations Board
LTD — Limited
FNA — Financial needs analysis
LOS — Length of Stay
SBO — Small Business Owner
TIPS — Treasury Inflation-Protected Securities
PM — Project Manager
PHR — Professional in Human Resources Certification
AO — Authorizing Official
MI — Mortgage Insurance
LFY — Last Fiscal Year
B.A. — Bachelor of Arts
IRDA — Insurance Regulatory Development Authority
FAK — Freight all kinds
GAO — Government Accountability Office [formerly the General Accounting Office]
CROGI — Cash Return on Gross Investment
CPR — Cardio-Pulmonary Resuscitation
LWO — Leave without pay
UN — United Narions
PSA — Public Service Announcement (radio/TV Term)
IRCA — Immigration Reform and Control Act
EOM — End Of Month
FICA — Federal Insurance Contribution Act
AMID — Allowable Miscellaneous Itemized Deductions
ART — Annual Renewable Term (life insurance)
DB — Defined Benefit (retirement Plan; For Example, A Pension)
IDA — International Development Association
CSO — Commissioners Standard Ordinary
CIT — Corporate Income Tax
PTO — Paid Time Off
PDA — Payday Advance Loan
CFA — Consumer Federation of America
GAAP — Generally Accepted Accounting Procedures
PRC — Peer Review Committee
NAVPS — Net Asset Value Per Share
AFTP — Anonymous File Transfer Protocol
ST — Short-Term
GR — General Revenue
UNZAP — United Nations Zambia Assistance Programme

RR — Revenue Ruling
LEPO — Low Exercise Price Option
WTO — World Tourism Organization
PTP — Publicly Traded Partnership
CIO — Chief Investment Officer
SBLI — Savings Bank Life Insurance
ABA — Accredited Business Accountant
PFS — Personal Financial Specialist
ROW — Right-Of-Way
ISO — Independent Sales Organization
IDP — Internally Displaced Person
UNCIP — United Nations Commission for India and Pakistan
BCP — Business Continuity Plan
A/P — Accounts Payable
DOH — Days inventory On Hand
QMCSO — Qualified Medical Child Support Order
AOQL — Average Outgoing Quality Level
BOT — Balance of Trade
RAP — Regulatory Accounting Principles
CA — Confidentiality Agreement
A/R — Accounts Receivable
SOA — Service-Oriented Architecture
SGA — Substantial Gainful Activity
HDML — Handheld Device Markup Language
RE — Residual Earnings
GIF — Guaranteed Investment Fund
LPA — Licensed Public Accountant
MACRS — Modified Accelerated Cost Recovery System (IRS)
UR — Utilization Review
CASE — computer-automated software engineering
GICS — Global Industry Classification Standards
BRD — Business Requirements Documentation
RISC — Reduced Instruction Set Computer
BCC — Blind Copied
CPIC — Capital Planning and Investment Control
CUPA — College and University Personnel Association
CICA — Competition in Contracting Act (1984)
MUPLA — Model Uniform Products Liability Act
FTD — Federal Tax Deposit
UNA — United Nations Association
COD — Cancellation of Debt
CAI — Computer Assisted Instruction
LSE — London Stock Exchange
T&C — Terms & Conditions
SEC — Securities and Exchange Commission (US)
GL — General Liability
TAN — Tax Anticipation Note
RFQ — Request For Quote
FFIEC — Federal Financial Institutions Examination Council
IPCS — International Programme on Chemical Safety

CIX — Commercial Internet Exchange
DUNS — Data Universal Numbering System
BBB — Better Business Bureau's
POQ — Periodic Order Quantity
SBC — Southwestern Bell Corporation
MOM — Message Oriented Middleware
ASAE — American Society of Association Executives
DPP — Deferred Payment Plan
BOT — Board of Trustees
SDB — Small Disadvantaged Business
MRO — Maintenance, repair, and overhaul
CORBA — Common Object Request Broker Architecture
NCA — National Cemetery Administration
ROFR — Right of First Refusal (finance)
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
QPRT — Qualified Personal Residence Trust
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
LOR — Letter Of Response
UPU — Universal Postal Union
UIC — Unemployment Insurance Commission (Canada, archaic)
BRIC — Brazil, Russia, India and China
PDA — Pregnancy Discrimination Act
AMTI — Alternative Minimum Taxable Income
UNAMIC — United Nations Advance Mission In Cambodia
ECA — Economic Commission for Africa
DOC — Doctor
WRA — Weighted Risk Assets
WTO — World Trade Organisation
CCP — Certified Compensation Professional
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
FUTA — Federal Unemployment Tax Act
JPEG — Joint Photographic Experts Group (24-bit image storage format)
IANA — Internet Assigned Numbers Authority
HHS — Health and Human Services Department
CTV — Capital Timber Value
CC — Civil Code
NCOA — National Change Of Address
IASC — Inter-Agency Standing Committee
CGQ — Corporate Governance Quotient
OL — Operating Liabilities
TAM — Technical Advice Memorandum
D&F — Determination & Finding
WIPO — World Intellectual Property Organization
ESI — Electronically Stored Information
GOV — Government Owned Vehicle
CHRO — Chief Human Resource Officer
EPI — Expanded Programme on Immunization
WMO — World Meteorological Organization (ICSU)
BIS — Bank of International Settlements
CAD — Cash Available for Distribution

GA — General Agent
SMA — Simple Moving Average
CFC — Chartered Financial Consultant
ALJ — Administrative Law Judge
DIP — Debtor In Possession
TPL — Third-Party Liability
SSA — Social Security Administration
MLR — Medical Loss Ratio
FRB — Federal Reserve Board
GPO — Government Printing Office
CSHO — Compliance Safety and Health Officer
ACP — Average Contribution Percentage
NFIP — National Flood Insurance Program
CEU — Continuing Education Unit
KYC — Know-your-customer
PDQ — Position Description Questionnaire
POP — Public Offering Price
AGC — Associated General Contractors of America
EOI — Expression Of Interest
ATP — Accredited Tax Preparer
EISA — Extended Industry Standard Architecture
CBOT — Chicago Board of Trade
LC — Limited Company
DTI — Department of Trade and Industry (UK)
GE — General Electric American Communications Inc.
SLS — Sales
ADEA — Age Discrimination in Employment Act's
CAFR — Comprehensive Annual Financial Report
COI — Conflict Of Interest
NOW — Negotiable Order of Withdrawal
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
CSO — Central Statistical Organisation
RTW — Return To Work
ECOSOC — Economic and Social Council of the United Nations
MLM — Multi-Level Marketing
OCF — Operating Cash Flow
EIS — Environmental Impact Statement (US)
RIA — Registered Investment Advisor
FMLA — Family and Medical Leave Act
ATOI — After Tax Operating Income
WIP — Work In Progress (process)
EA — Enrolled Agent
GPM — Graduated Payment Mortgage
VA — Veterans Administration
DM — Direct Mail
AMTFTC — Alternative minimum tax foreign tax credit
CNF — Cost, not freight
DFAS — Defense Financial Accounting Service
CDI — Category Development Index

ASTD — American Society for Training and Development
DIO — Days Inventory Outstanding
PIK — Payment in Kind
UNCED — United Nations Conference on Environment and Development
IFAD — International Fund for Agricultural Development (UN)
REC — Renewable Energy Certificate
ALEX — AUTOMATED LABOR EXCHANGE
DOL — Degree of Operating Leverage
POS — Point of Service Plan
CK — Calvin Klein
DBMS — Data Base Management System
BAT — Business Activity Tax
MANOVA — Multivariate Analysis of Variance
SOS — Sound On Sound
BSM — Black-Scholes-Merton
ECB — European Central Bank
SNF — Skilled Nursing Facility
WHOL. — Wholesale
SUTA — State Unemployment Tax Act
FCFE — Free Cash Flow to Equity
GST — Goods and Services Taxation
PCI — Per Capita Income
NCUSIF — National Credit Union Share Insurance Fund
SB — Senate Bill
SEO — Search Engine Optimizer
ECP — Engineering Change Proposals
LEC — Local Exchange Carrier
ICANN — Internet Corporation for Assigned Names and Numbers
FRS — Federal Reserve System
L/C — Letter of Credit
PEO — Professional Employer Organization
FFO — Funds from operations
CRM — Client Relationship Management
LAR — Legislative Appropriations Request
ILIT — Irrevocable Life Insurance Trust
BDC — Business Development Center
FHA — Federal Housing Administration
MIME — Multipurpose Internet Mail Extension
PILOT — Payment In Lieu Of Taxes
TEV — Total Enterprise Value
ERS — Economic Research Service
FITW — Federal Income Tax Withholding
FCF — Free Cash Flow
LT — Lead Time
ASU — Accounting Standards Update
ITIL — Information Technology Infrastructure Library
EOI — Evidence of Insurability
CSF — Critical Success Factor
STP — Software Test Plan
CERD — Committee on the Elimination of Racial Discrimination

ADJ — Adjust
MOF — Ministry Of Finance
OIOS — Office of Internal Oversight Services
MLD — Market-linked deposit
SSI — Supplemental Security Income
DRP — Disaster Recovery Plan
SBAP — Small Business Assistance Program
EEPROM — Electric Erasable Programmable Read Only Memory
SCORE — Service Corps Of Retired Executives
CAE — Certified Association Executive
DPA — Department of Political Affairs
GAAP — Generally Accepted Accounting Principles
ESO — Employee Stock Option
SDD — Software Design and Development
SNE — Salaried Non-Exempt
TIC — Tenant In Common
ADC — Acquisition, Development, and Construction
FASB — Financial Accounting Standards Board
PITI — Principal, Interest, Taxes, and Insurance
FERC — Federal Energy Regulatory Commission (U.S.)
AD & D — Accidental Death and Dismemberment
CCL — Center for Creative Leadership
DAGMAR — Defining Advertising Goals for Measured Advertising Results
CBA — Controlled Business Arrangement
CFAT — Cash Flow After Taxes
WT — Warrant
ISO — Incentive Stock Option
FRV — Fair Rental Value
MLP — Master Limited Partnership
CNS — Continuous Net Settlement
DFL — Degree of Financial Leverage
PLR — Private Letter Ruling
CAM — Common Area Maintenance (charges related to commercial leases)
NAR — National Association of Realtors
SS — Social Security
WHA — World Health Assembly
IPTF — International Police Task Force
ICQ — Internal Control Questionnaire
NL — No-Load
REI — Recreational Equipment, Inc.
SAT — Scholastic Aptitude Test
LCA — Labor Condition Application
AGT — Agent
TVM — Time Value of Money
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
SOP — Statement Of Position
RIC — Regulated Investment Company
BID — Business Improvement District
INSARAG — International Search and Rescue Advisory Group
FHLMC — Federal Home Loan Mortgage Corporation, United States

DOI — Date of Injury
ICJ — International Court of Justice
ATR — Americans for Tax Reform
DPI — Department of Public Information
ACC — Administrative Committee on Coordination
FSI — Free Standing Insert
ATB — Accountants Trial Balance
NAFTA — North American Free Trade Agreement
TTD — Temporary Total Disability
AFR — Applicable Federal Rate
ECM — Excess cash margin
CIF — Cost, Insurance, and Freight (Paid) (shipping)
SOL — Statute of Limitations
SIPC — Securities Investor Protection Corporation
SE — Self Employed
CRC — Committee on the Rights of the Child
CFE — Certified Financial Examiner
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
NAICS — North American Industry Classification System
DRO — Domestic Relations Order
BRE — Business Reply Envelope
SEPA — Single Euro Payments Area
TPD — Temporary Partial Disability
SC — Securities Commission
AACU — American Association of Colleges and Universities
MLR — Monthly Labor Review
ISSA — International Securities Services Association
B&P — Bid & Proposal
DW — Dislocated Worker
DSPP — Direct Stock Purchase Plan
WAP — Wireless Application Protocol
EOU — Export Oriented Unit
C&D — Cease and Desist
IBNR — Incurred But Not Reported
PLM — Product Lifecycle Management
HDAPT — Hybrid domestic asset protection trust
VDT — Video Display Terminal
ILAB — Bureau of International Labor Affairs
DCAP — Dependent Care Assistance Program
SCA — Service Contract Act
CUM DIV — Cumulative dividend
BDI — Brand Development Index
FSLIC — Federal Savings & Loan Insurance Corporation
SPE — Special Purpose Entity
A&S — Accident and sickness insurance
IME — Independent Medical Examination
ECI — Employment Cost Index
LOB — Line-Of-Balance
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
SMA — Separately Managed Account

FMV — Fair Market Value
AL — Assisted Living
PSI — Performance Salary Increase
MOH — Music On Hold
EIC — Earned Income Credit
ROS — Run Of Schedule
FS — Financial Statement
FSS — Federal Supply Schedule
AR — Accounts Receivable
SA — Seasonally Adjusted
NAIC — National Association of Insurance Commissioners
UNCTAD — United Nations Conference on Trade and Development
UNMISET — United Nations Mission of Support in East Timor
BRC — Business Reply Card
ADR — Asset Depreciation Range (finance)
REV. PROC. — Revenue Procedure
REV. RUL. — Revenue Ruling
LINTAS — Levers International Advertising Services
NSA — Not Seasonally Adjusted
A/E — Architect/Engineer
CIMC — Certified Investment Management Consultant
NASDAQ — National Association for Security Dealers and Automatic Quotation
OC — Opportunity Cost
CPO — Chief of Purchasing Office
ROP — Run of Press
AA — Adverse Action
UNHCR — United Nations High Commissioner for Refugees Program
SEP — Simplified Employee Pension
CLAT — Charitable Lead Annuity Trust
POP — Premium Only Plan
INC. — Incorporated
MBDA — Minority Business Development Agency
AAAA — American Association of Advertising Agencies
CEA — Chief Enterprise Architect
AIA — American Institute of Architecture
BPC — Business Planning Cycle
UL — Universal Life
CFP — Certified Financial PlannerTM
FHLB — Federal Home Loan Bank
OASDI — Old Age and Survivors Disability Insurance
CMBS — Commercial mortgage-backed securities
CGMA — Chartered Global Management Accountant
IIA — Institute of Internal Auditors
SB/SDB — Small Business/Small Disadvantaged Business
ECF — Extended Care Facility
AAG — Audit and accounting guides
ATA — Accredited Tax Advisor
AEI — American Enterprise Institute
MST — Marketable Securities Tax
PE — Price-earnings ratio

EGM — Extraordinary General Meeting
IRA — Individual Retirement Arrangement
AFP — Association for Financial Professionals
AMPS — Auction Market Preferred Stock
ABF — Asset-Based Financing
EMS — Eastern Mountain Sports
TIP — Transportation Improvement Program
CGT — Capital Gains Tax
AIDA — Attention, Interest, Desire, Action
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
UCI — Unemployment Compensation Insurance
OTS — Office of Thrift Supervision
UCR — Usual, Customary and Reasonable Fees
FWT — Federal Withholding Tax
ACASTD — Advisory Committee on the Application of Science and Technology to Development
LYON — Liquid Yield Option Note
A/E — Accured expense
ALC — Alien Labor Certification
WFC — World Food Council
PCAOB — Public Company Accounting Oversight Board
CESA — Coverdell education savings account
HFA — Housing Finance Agency
VAT — Value-added taxes
RCN — Replacement Cost New
ASCI — Advertising & Standards Council of India
RBM — Roll Back Malaria
AIME — Average Index Monthly Earnings
DBT — Days Beyond Terms
HRM — Human Resource Management
FCB — Foote Cone & Belding
NRF — National Retail Federation
CIC — Consumer Information Center
CGA — Charitable Gift Annuity
MTL — Multi-Level Marketing
F&F — Furniture & Fixtures
ABV — Accredited in Business Valuation
D&O — Directors and Officers Liability
CLU — Chartered Life Underwriter
COCA — Cost of capital allowance
ATO — Administrative Time Off
MAS — Multiple-Award Schedule
CFS — Container Freight Station
UNFCCC — United Nations Framework Convention on Climate Change
FACCT — Foundation for Accountability
FSLMRA — Federal Service Labor-Management Relations Act
PGI — Potential Gross Income
BAT — Business Action Theory
NIOSH — National Institute of Occupational Safety and Health's
TAMRA — Technical and Miscellaneous Revenue Act of 1988
MRD — Minimum Required Distribution

ROA — Return on assets
NCSA — National Center for Supercomputing Applications
DCAA — (U.S.) Defense Contract Audit Agency
LF — Labor Force
MLP — Minimum lease payments
NOL — Net Operating Loss
PBGC — Pension Benefit Guaranty Corporation
EAR — Export Administration Regulations
TSR — Terminate and Stay Resident [software program]
CMYK — Cyan, Magenta, Yellow, Black
CSO — Chief Security Officer
CEPS — Cash Earnings Per Share
SFH — Single Family Home
SSB — Securities Supervisory Board
IOS — International Organization for Standards
DTL — Deferred Tax Liability
PERL — Practical Extraction and Report Language
CPA — Comprehensive Plan of Action
CFIUS — Committee on Foreign Investment in United States
LDI — Liability Driven Investment
AE — Actual Expense
EBSA — Employee Benefits Security Administration
CODA — Cash or Deferred Arrangement (401K)
CMMI — Capability Maturity Model Integrated
EBO — Employee Buyout
ISA — International Seabed Authority
C&I — Commercial and industrial customers (Electricity transmission)
SSVS — Statement on Standards for Valuation Services
AJB — America’s Job Bank
CPSC — Consumer Products Safety Commission
HCM — Human Capital Management
HSBC — Household Bank Corporation
URO — Utilization Review Organization
BTCF — Before Tax Cash Flow
IAP — Initial advance payment
AAPC — Accounting and Auditing Policy Committee
NMFC — National Motor Freight Classification
NAAEC — North American Agreement on Environmental Cooperation
PTA — Preferential Trade Arrangement
HFS — Hold for sale
JOLTS — Job Openings and Labor Turnover Survey
IAM — Identity and Access Management
MSI — Multiple Streams of Income
LCM — Lower of Cost or Market
ESA — Employment Standards Administration
NDNH — National Directory of New Hires
YRT — Yearly Renewable Term
ADS — Alternative Depreciation System
UNHCHR — United Nations High Commissioner for Human Rights
PSC — Personal Service Corporation

WTW — Welfare-to-Work
LTL — Less Than Truckload Lot
CRAFT — Computerised Relative Allocation of Facilities Techniques
EBRI — Employee Benefit Research Institute
ECP — Emergency Conservation Program
TRA — Tax Reform Act
IBR — Income-based repayment
LM — Last Month
B2C — Business to Consumer
BPM — Business Performance Management
ELP — Electing large partnership
NMS — Normal Market Size
IBEW — International Brotherhood of Electrical Workers
XBRL — Extensible Business Reporting Language
PPE — Property, Plant and Equipment
SERP — Supplemental Executive Retirement Plan
CPLTD — Current portion of long-term debt
QSF — Qualified Settlement Fund
WAI — Wealth Added Index
ASG — Assistant Secretary General
GIM — Gross Income Multiplier
S&P — Standard & Poor's
MRQ — Most Recent Quarter
UTMA — Uniform Transfers to Minors Act
ADEA — Age Discrimination and Employment Act
UPE — Unreimbursed Partnership Expenses
CC — Capital Contribution
TDB — Temporary Disability Benefits
SESA — State Employment Security Agency
BOI — Business Object Interface
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
NAAS — Network as a Service
DAPT — Domestic Asset Protection Trust
COST — Council on State Taxation
T&D — Training and Development
PAAS — Platform-as-a-Service
HECM — Home Equity Conversion Mortgage
CDFI — Community Development Financial Institution
SPAC — Special-purpose acquisition company
VSOP — Very Special Old Pale
IMRB — Indian Market Research Bureau
UNCITRAL — United Nations Commission On International Trade Law
DBO — Death Benefit Only
RAN — Revenue Anticipation Note
VOPAN — Voice Pitch Analysis
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
PTE — Pass-Through Entity
SAR — Summary Annual Report
FPML — Financial Products Markup Language
ECOA — Equal Credit Opportunity Act

NQDC — Nonqualified deferred compensation
TRUPS — Trust Preferred Securities
AFTS — Automatic Funds Transfer Services
WHD — World Habitat Day
EFW — Electronic Funds Withdrawal
NSA — National Society of Accountants
MCI — Microwave Communications Incorporated
SDI — State Disability Insurance
BBDO — Batten, Barton, Durstine & Osborn
GPO — Guaranteed Purchase Option
BIA — Business Impact Analysis
SAAR — Seasonally Adjusted Annual Rate
CISSP — Certified Information Systems Security Professional
BCFD — Billion Cubic Feet per Day
FNMA — Federal National Mortgage Association
ETN — Exchange Traded Note
IFC — International Finance Corporation
NSF — Not Sufficient Funds
W/C — Working Capital
FP — Fixed Price
AX — Armani Exchange
ESS — Employee Self-Service System
PHI — Protected Health Information
HC — human capital
REG. — Regulation
MLS — Mass Layoff Statistics
SSD — Social Security Disability
HCO — Health Care Organization
NVI — Negative Volume Index
TPA — Third Party Administrator
PING — Pocket Internet Gopher
DESIPA — Department for Economic and Social Information and Policy Analysis
NSX — National Stock Exchange
OER — Operation Expense Ratio
HC — Humanitarian Coordinator
PIC — Prior Informed Consent
TSR — Tactical Studies Rules
BOC — Budget Object Code
OM — Options Market
DOLETA — Department of Labor Employment and Training Administration
DRTV — Direct Response Television
BOA — Basic Ordering Agreement
BTT — Business Transfer Tax
SIV — Structured Investment Vehicle
SEM — Shared-Equity Mortgage
DPO — Days payables outstanding
PR — Public Relations
ALBM — Automated Lending and Borrowing Mechanism
PVFC — Prepaid variable forward contract
CFTC — Commodity Futures Trading Commission

RSI — Relative Strength Indicator
FEIN — Federal Employment Identification Number
FSA — Farm Service Agency
DAN — Depositor Account Number
UNIIMOG — United Nations Iran-Iraq Military Observer Group
DINKS — Dual Income, No Kids
ISO — International Standard Organisation
FRA — Full Retirement Age
DUA — Disaster Unemployment Assistance
DFEH — Department of Fair Employment and Housing's
EGI — Effective Gross Income
GNMA — Government National Mortgage Association
OB — Office of Budget
BPM — business process management
ESA — Coverdell education savings account
NPT — Non-Proliferation Treaty
DCPP — Defined Contribution Pension Plan
ACV — Account Current Value
MTC — Multistate Tax Commission
ITBAT — IT Budget Analysis Team
ITMP — Information Technology Management Program
TCBY — The Country's Best Yogurt
BONUCA — United Nations Peace-Building Office in the Central African Republic
FMCS — Federal Mediation and Conciliation Service
LAIA — Latin American Integration Association
HDR — Humanitarian Daily Ration
CEDAW — Committee on the Elimination of Discrimination against Women
MTTR — Mean Time To Recovery
JEC — Joint Economic Committee
SEA — Securities Exchange Act
EAC — Employee Advisory Committee
NNN — Net Net Net
AWW — average weekly wage
ECOWAS — Economic Community of West African States
OHCHR — Office of the United Nations High Commissioner for Human Rights
NRE — Net realizable equity
LT — Long Terme
HRD — Human Resource Development
EIA — Equity Indexed Annuity
VA — Variable Annuity
ARS — Auction Rate Securities
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
YOY — Year-over-year
CPE — Continuing Professional Educational
FVO — Fair Value Option
ECOMOG — Economic Community of West African States' Monitoring Observer Group
HPI — Human Poverty Index
EPCM — Exempt-contract, percentage-of-completion method
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
OSG — Office of the Secretary-General

SOC — Standard Occupational Classification
VAO — Virtual Acquisition Office
IDA — Industrial Development Authority
FICCI — Federation of Indian Chamber of Commerce and Industry
SWOT — Strengths, Weaknesses, Opportunities and Threats
FIE — Foreign-Invested Enterprise
CUSIP — The Committee Of Uniform Security Identification Procedures
HUDCO — Housing and Urban Development Corporation Limited
ACP — Actual deferral percentage
AA — Author Alteration
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
MCC — Mortgage Credit Certificate
RIM — Retail Inventory Method
PCCM — Percentage-of-completion/capitalized cost method
UNICRI — United Nations Interregional Crime and Justice Research Institute
USF — Usable Square Feet
NPA — Non-Performing Assets
ACABQ — Advisory Committee on Administrative and Budgetary Questions
CCI — Consumer Confidence Index
UNCC — United Nations Compensation Commission
ALV — Average Lease Value (Cars)
ERM — Enterprise Risk Management
ZEN — Zero Effort Network
CSE — Customer Service Environment
ESOT — employee stock ownership trust
ICGFI — International Consultative Group on Food Irradiation
ESL — English as a second language
RSA — Rivest-Shamir-Adleman
EITC — Earned Income Tax Credit
OCHA — Office for the Coordination of Humanitarian Affairs
PWC — Public Works Commission
CVLI — Cash Value Life Insurance
USG — Under Secretary General
ICM — Incentive Compensation Management
DWC — Days working capital
NLRA — National Labor Relations Act
NNTP — Network News Transport Protocol (ATM)
RI — Royalty Interest
GEF — Global Environmental Facility (environment)
ROC — Return on Capital
CETA — Comprehensive Employment and Training Act of 1975
ILO — International Labor Organization (UN)
RTN — Routing Transit Number
CSV — Cash Surrender Value
TCOE — Total Cost of Equity
CB — Carryback
SSBCI — State Small Business Credit Initiative
CFC — Court of Federal Claims
EMP — Environmental Planning and Management
GAO — Government Accounting Office

DMFAS — Debt Management and Financial Analysis System
EAPA — Employee Assistance Professionals Association, Inc
K/A — Known as
CEBS — Certified Employee Benefits Specialist
FIA — Federal Insurance Administration
PTAC — Procurement Technical Assistance Center
LEO — Long-term Equity Options
COHRS — Central Office Human Resources Service
ABCP — Asset Backed Commerical Paper
ROU — Right of Use
UNDOF — United Nations Disengagement Observer Force
AFICS — Association of Former International Civil Servants
OCC — Office of the Comptroller of the Currency
PUD — Planned Unit Development
DII — Days in Inventory
RFPA — Right to Financial Privacy Act of 1978
MLA — Minimum Liquid Assets
BPD — barrels per day
VHA — Veterans Health Administration's
ROC — Rate of Change
UNCCD — United Nations Convention to Combat Desertification
AAGR — Annual average growth rate
BOP — businessowners policy
TA — Technology Assessment
LEAF — Logistics, Engineering, Acquisition, and Finance
CBL — Common Business Language
NASBA — National Association of State Boards of Accountancy
CI — Contract Item
NSA — National Safety Associates
AFC — Average fixed costs
LTC — Long-Term Care
REA — Return on assets
DHL — Dag Hammarskjöld Library
QAI — Quality Assurance International
CIA — Certified Internal Auditor (US)
BHC — Bank Holding Company
GTL — Group Term Life Insurance.
APB — Accounting Principles Board's
ECM — Enterprise Content Management
FMR — Fair Market Rental
ECU — Emergency Coordination Unit
ITARS — IT Acquisition Request System
CHB — Custom House Broker
SCM — Supply Chain Management
PCFRC — Private Company Financial Reporting Committee
CS — Cost-Sharing
INSTRAW — International Research and Training Institute for the Advancement of Women
ECOA — E-Mail Change of Address
MBS — mortgage backed security
ASF — American Securitization Forum

SIB — Securities and Investment Board
GLA — Gross Leaseable Area
HRMS — Human Resource Management System
VA — Veterans Affairs
ERM — Enterprise Resource Management
OASDHI — Old Age, Survivors, Disability, and Health Insurance
CEA — Commodity Exchange Authority
CRUT — Charitable Remainder Unitrust
SIAP — Statistical Institute for Asia and the Pacific
MOTO — Mail order-telephone order
CEMP — Comprehensive Emergency Management Program
ICTY — International Criminal Tribunal for the Former Yugoslavia
IASB — International Accounting Standards Board
C-TPAT — Customs-Trade Industry Against Terrorism
MRPS — Mandatorily redeemable preferred stock
NCUA — National Credit Union Administration
AFN — Additional Funds Needed
STAR — Satellite Television Asian Region, Ltd.
OI&T — Office of Information and Technology
DVA — Debt value adjustment
RFA — Regulatory Flexibility Act (US)
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
TRNSFR — Transfer
SHRM — Society for Human Resource Management's
DIC — Document Identifier Code
UNISPAL — United Nations Information System on the question of Palestine
LOS — Law Of The Sea
BRICS — Brazil, Russia, India, China and South Africa
ATU — Annual Tax Unit
SMSA — Standard Metropolitan Statistical Area
SIFMA — Securities Industry and Financial Markets Association
VEBA — Voluntary Employees' Beneficiary Association
PAM — Pledged Account Mortgage
UNCIVPOL — United Nations Civilian Police
SRA — Supplemental Retirement Annuity
UNITAR — United Nations Institute for Training and Research
NRMLA — National Reverse Mortgage Lenders Association
RELP — Real Estate Limited Partnership
WPI — Wholesale Price Index
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
TWA — Time Weighted Averages
ERTA — Economic Recovery Tax Act
MSP — Managed Service Provider
PAR — Public Accounting Report
CLUT — Charitable Lead Unitrust
UNAMSIL — United Nations Mission In Sierra Leone
UNPD — United Nations Population Division
ASPPA — American Society of Pension Professionals & Actuaries
PIA — Primary Insurance Amount
SPD — Summary Plan Description

VSOE — Vendor-Specific Objective Evidence
OD — Organizational Development
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
UNCT — United Nations Country Team
IDNDR — International Decade for Natural Disaster Reduction
UTLZTN — Utilization
HRIS — Human Resource Information System
CHL — Customs house license
SLOB — Separate Line of Business
UNOMUR — United Nations Observer Mission Uganda-Rwanda
CGL — Comprehensive General Liability
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
MSB — Money Service Businesses
SBA — Small Business Administrations
CAA — Congressional Accountability Act
NABA — National Association of Black Accountants, Inc.
PERAB — President's Economic Recovery Advisory Board
APOC — Administrative Point of Contact
ICDC — International Child Development Centre
ADI — Area of Dominant Influence
UNCHS — United Nations Centre for Human Settlements
ABMS — Activities Based Management System
ITOC — Information Technology Oversight & Compliance
PMSA — Primary Metropolitan Statistical Area
AC — Acceleration Clause
CPFFC — Cost-plus-fixed-fee contract
UNEF — United Nations Emergency Force
RTW — Right to Work
ROA — Regional Office for Africa
AIC — Architecture and Infrastructure Committee
UNVFVT — United Nations Voluntary Fund for Victims of Torture
LTI — Long-term incentive
ESOP — Employee Stock Option Plan
MUD — Multiple User Dungeon
WCEFA — World Conference on Education for All
DAF — Donor Advised Fund
NCCI — National Council on Compensation Insurance
SARSEP — Salary Reduction Simplified Employee Pension Plan
ABC — Audit Bureau of Circulations Inc.
DFI — Derivative Financial Instrument
PBT — Profit Before Tax
FAME — Facilities Maintenance Engineering
ITAM — IT asset management
TRASOP — Tax Reduction Act ESOP
DOM — Distributed Order Management
ROAE — Return on Assets Employed
OOH — Occupational Outlook Handbook
AML — Adjustable Mortgage Loan
TBC — To Be Contested
HP — Hewlett Packard's

COL — Cost Of Living
EVM — Earned Value Management
FOM — Field Operations Manual
IASC — International Accounting Standards Committee
CAPS — Convertible Adjustable Preferred Stock
EPROM — Electrically Programmable Read Only Memory
FEA — Fair Employment Act
LHWCA — Longshore and Harbor Worker’s Compensation Act
OLA — Office of Legal Affairs
CPP — Consumer Preferences and Policy
PEG — Price to Earnings Growth
CFA — Committee on Food Aid Policies and Programmes
TSP — Thrift Savings Plan
0DSAC — 90 days, same as cash
SMM — Summary of material modifications
C2C — Customer to Customer
ITSM — Information Technology Service Management
EPPA — Employee Polygraph Protection Act
UNCSW — United Nations Commission on the Status of Women
CLA — Cross-Licensing Agreement
IPA — Inflation Protected Annuity
CEBS — Certified Employee Benefit Specialist
ACFE — Advisory Committee on Forestry Education
STTR — Small Business Technology Transfer
GAAC — Government Accounting and Auditing Committee
FSR — Financial Strength Rating
ZBB — Zero-based budgeting
CMSA — Consolidated Metropolitan Statistical Area
QR — Quality Review
QBU — Qualified Business Unit
CPDO — Constant Proportion Debt Obligation
DDSN — Demand-driven supply networks
CICP — Centre for International Crime Prevention
3COM — Computer, Communications and Compatibility
FCCC — For the Framework Convention on Climate Change
TTL — Total Linhas Aéreas
CCM — Completed Contract Method
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
COSO — Committee of Sponsoring Organizations
FCCPA — Federal Consumer Credit Protection Act of 1968
YAHOO — You Are Hazy Over Oranges
FMC — Federal Maritime Commission's
FCA — Farm Credit Administration
QME — Qualified Medical Examiner
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
ADP — Applicable Distribution Period
R&C — Reasonable and Customary
GSTP — Global System of Trade Preferences
ICPD — International Conference on Population and Development
FAS — Financial Accounting Standards

EDP — Employee Development Plan
FECA — Federal Employer’s Compensation Act
EMT — Executive Management Team
ILC — International Law Commission
UNCDF — United Nations Capital Development Fund
OOB — OOS out of business
ALTA — American Land Title Transfer
VUL — Variable Universal Life
CEC — Continuing Education Center
COFI — Cost of Funds Index
CNC — Currently Not Collectible
ADP — Attention Dial Pulse
CE — Continuing Education
AATF — Airport and Airway Trust Fund
COP — Conference of the Parties
ICSC — International Civil Service Commission
DIT — Deposit in Transit
AET — Accumulated Earnings Tax
GMIB — Guaranteed Minimum Income Benefit
BAT — Budget Advisory Team
B.S. — Bachelor of Science
IAS — International Accounting Standards
BRM — Business Reference Model
DOT — Dictionary of Occupational Titles
GPHR — Global Professional in Human Resources
DUS — Dollar Unit Sampling
UC — Unemployment Compensation
CEA — Certificate of Educational Achievement
TIF — Tax Increment Financing
MCC — Merchant category codes
UNRISD — United Nations Research Institute for Social Development
REMIC — Real Estate Mortgage Investment Conduit
SMLLC — Single Member Limited Liability Company
DCAP — Dependent Care Assistance Plan
PA — Public Accountant
IMR — Information Management Research
ITAC — Information Technology Advisory Committee
TL — Time & Labor
UNDAF — United Nations Development Assistance Framework
BSNL — Bharath Sanchar Nigam Limited
REA — Retirement Equity Act
GIC — Guaranteed Investment Contract
NACUBO — National Association of College & University Business Organizations
AMC — Appraisal Management Companies
CRM — Credit Risk Management
QJSA — Qualified Joint and Survivor Annuity
CCPOQ — Consultative Committee on Programme and Operational Questions
EDGAR — Electronic Data Gathering, Analysis and Retrieval
ATB — Adjusted Trial Balance
MOC — Market On Close

MBE — Mortgage banking enterprise
INS — Immigration & Naturalization Service
TESSA — Tax-Exempt Special Savings Account
DVOP — Disabled Veterans Outreach Program
UAW — United Auto Workers
WI — Working Interest
BML — Bean Markup Language
FRA — Federal Reserve Act
JPO — Junior Professional Officer
LOC — Letter of Comment
ABLOS — Advisory Board on the Law of the Sea
UNOMIG — United Nations Observer Mission In Georgia
ECAB — Employee's Compensation Appeals Board
NDA — Nondisclosure Agreement
(X) — Export
CFOC — Chief Financial Officers Council
UDITPA — Uniform Division of Income for Tax Purposes Act
OCP — Overland Common Point
LCC — Life Cycle Cost
IPS — Inflation Protected Security
HRA — Health Reimbursement Account
TAB — Tax Anticipation Bill
SSUTA — Streamlined Sales and Use Tax Agreement
FWCW — United Nations Fourth World Conference on Women
USAA — United Services Automobile Association's
JTPA — Job Training Partnership Act
PIM — Product Information Management
A&I — Accident and Indemnity
ARR — Average Rate of Return
HCA — head of contracting activity; humanitarian and civic assistance
VOCC — Vessel Operating Common Carriers
CAT — Commercial Activity Tax
UTC — Uniform Trust Code
GRID — Global Resource Information Database (UNEP)
OSSG — Office of the Spokesman for the Secretary-General
DNAMTI — Distributable Net Alternative Minimum Taxable Income
QSPE — Qualified special purpose entity
ACW — African Centre for Women
DMB&B — D'arcy Masius Benton & Bowles
LCL — Less than Carload Lot
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
HRIS — Human Resources Information System
CPHR — California Professional in Human Resources Certification
INA — Immigration and Naturalization Act
CCA — Consolidated Contracting Activity
DUSB — Deputy Undersecretary for Benefits
GSR — General Securities Representative
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
RMBS — Residential mortgage backed securities
TC — Trusteeship Council (UN)

FACT — Fair and Accurate Credit Transactions Act of 2003
ISM — Interactive Studio Management
ETC — Estimate To Completion
TAT — Total asset turnover
CEA — Council of Economic Advisors
CSCS — Computer Software Components
BCS — Business Case Study
UNOMSA — United Nations Observer Mission in South Africa
AFB — American Farm Bureau, Inc.
VXML — Voice eXtensible Markup Language
CPP — Cost Per rating Point
HCTC — Health Coverage Tax Credit
OR — Operations research
SSBIC — Specialized Small Business Investment Company
SITC — Standard International Trade Classification
OFCCP — Office of Federal Contract Compliance Programs
UNDHL — United Nations Dag Hammarskjölds Library
PT — Part-Time
NRI — Net Rising Index
NAC — National Acquisition Center
VPFC — Variable Prepaid Forward Contract
OP — Order Point
CO — Compliance Officer
ICC — International Chamber of Commerce
CSD — Commission for Social Development
TOD — Transfer on death
MAGI — Modified Adjusted Gross Income
SS — Safety Stock
CBI — Compliance and Business Integrity
FACHE — Fellow in American College of Healthcare Executives
ICSAB — International Civil Service Advisory Board
EIC — Earned Income Tax Credit
ZAW — Zero Administration for Windows
SDVOSB — Service-Disabled Veteran-Owned Small Business
PVT — Persons Viewing Television
CSEMO — Corporate Senior Executive Management Office
IAG — International Auditing Guidelines
EDI — Electronic Date Interchange
SSD — Social Security Disability
RJP — Realistic Job Preview
WRC — World Radiocommunication Conference
FRS — Functional Requirements Specifications
FLP — Family Limited Partnership
LEI — Leading Economic Indicators
AFE — Average Funds Employed
MTM — Market to Market
MBA — Masters of Business Administration
SHOP — Small Business Health Options Program
TSA — Tax-sheltered annuity
D&B — Dun & Bradstreet

UMB — United Missouri Bank
SDNP — Sustainable Development Networking Programme
DAW — Division for the Advancement of Women
UNMIK — United Nations Interim Administration Mission in Kosovo
F&C — Free and Clear
GTOS — Global Terrestrial Observing System
NRD — Normal Retirement Date
CSD — Commission on Sustainable Development's
HAFA — Home Affordable Foreclosure Alternative program
VEVRA — Vietnam-Era Veterans Readjustment Act
UNCCP — United Nations Conciliation Commission for Palestine
IRP — Industry Risk Premium
A/S — Account sales
GIST — Graphics and Intelligence based Script Technology
EFTA — European Free Trade Area
ABS — Asset Based Securitization
SRSG — Special Representative of the Secretary-General
I-9 — I-9 Form
BCA — Board of Contract Appeals
LTD. — Limited
PCE — Personal consumption expenditure; personal consumption expenditure deflator
BDI — Behavioral Description Interview
UNTEA — United Nations Temporary Executive Authority
ADP — Automatic Data Processor
CHFC — Chartered Financial Consultant
SSDI — Social Security Disability Insurance
SMI — Supplemental Medical Insurance (US Medicare Part B)
ECR — Executive Conference Room
UNIFIL — United Nations Interim Force In Lebanon
ACRB — Architectural Change and Review Board
IUC — Information Unit for Conventions
WIDER — United Nations University World Institute for Development Economics Research
COLI — Cost of Living Index
MTB — Motor transportation broker
EM — Emergency Loan Program
UNV — United Nations Volunteers Programme
DK — Dorling Kindersley
CAPP — Cash Account Pension Plan
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
IPMA — International Personnel Management Association
MTHLY — monthly
ITLO — Information Technology Logistics Office
ITS — Intermarket Trading System
ZEN — Zero Engine Noise
SFOR — Stabilization Force
HWRP — Hydrology and Water Resources Programme
LR — Labor Relations
QWL — Quality of Work Life
UNMOT — United Nations Mission of Observers in Tajikistan
GMP — Guaranteed Maximum Price

MHPA — Mental Health Parity Act of 1996
CCPA — Consumer Credit Protection Act
HQS — Housing Quality Standards
ASBL — American Small Business League
LDW — Last Day Worked
KSA — Knowledge, Skills, Abilities
IAF — Inflation Adjustment Factor
UNOMIL — United Nations Observer Mission In Liberia
MSRB — Municipal Securities Rulemaking Board
ACFR — Advisory Committee on Fishery Research
OTB — Off-Track Betting
CFBT — Cash flow before taxes
CCC — Commodity Credit Corporation
SPE — Senior Procurement Executive
FASIT — Financial asset securitization investment trusts
VWAP — Volume-weighted average price
UNJSPF — United Nations Joint Staff Pension Fund
BPO — Bargain Purchase Option
CSR — Corporate Social Responsibilty
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
HRA — Health Reimbursement Arrangement
ITSD — Information Technology Services Division
FOK — Fill-or-kill order
VWAP — Value Weighted Average Price
DSI — Discretionary Salary Increase
SBC — Summary of Benefits and Coverage
M&A — Merger & Acquisition
CSA — Capital Support Agreements
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
UNIPTF — United Nations International Police Task Force
BAA — Business Associate Agreement
CODI — Cancellation of Debt Income
DPSP — Deferred Profit Sharing Plan
IRD — Income in respect of a decedent
EDA — Economic Development Administration's
BEIT — Business Enterprise Income Tax
D2D — Developer to Developer
CIPP/G — Certified Information Privacy Professional/Government
WBG — World Bank Group
SITW — State income tax withholding
CPC — Committee for Programme and Coordination
SEPED — Social Development and Poverty Elimination Division
STF — Summary Tape File
DRC — Deficit Reduction Contribution
DBPP — Defined Benefit Pension Plan
NSTP — National Society of Tax Professionals
PEP — Personal Exemption Phaseout
SFAS — Statements of Financial Accounting Standards
SSDI — Social Security Disability Indemnity
FMHA — Farmers Home Administration

NPL — Nonperforming loan
QTIP — Qualified Terminable Interest Property
ILC — Industrial Loan Company
FMOC — Federal Open Market Committee
ASB — Auditing Standards Board's
GASB — Governmental Accounting Standards Board
SWT — State witholding tax
XML — Extended Markup Language
MHAEA — Mental Health and Addiction Equity Act
SSOP — Second Surgical Opinion Program
QCR — Quarterly Contributions Report
ROTC — Reserve Officer Training Corporation
IAB — Internet Advertising Bureau
CSPN — College Savings Plan Network
GAW — Global Atmosphere Watch (WMO)
CSVLI — Cash surrender value life insurance
ESAF — Enhanced Structural Adjustment Facility
PWBA — Pension and Welfare Benefits Administration
NBIA — National Business Incumbation Association
CIK — Central index keys
UNIPOM — United Nations India-Pakistan Observation Mission
FMRR — Financial Management Rate of Return
SME — Small- to medium-sized entities
VAL. — Value
SAS — Statement of Accounting Standards
WKLY — Weekly
USRPHC — U.S. real property hodling corporation
ALBCC — Account Level Budget Cost Center
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
J&S — Joint and Survivorship
ODF — OpenDocument Format
PTSD — Post Traumatic Stress Syndrome
DAP — Direct Access Program
MEWA — Multiple Employer Welfare Arrangement
DNA — Distributed Internet Application Architecture
UNCRD — United Nations Centre for Regional Development
PCE — Private Commercial Enterprise
LAC — Division for Latin America and the Caribbean
UDR — Unused development rights
SRO — See Self-Regulatory Organization
BPO — Business Process Optimization
RFM — Rcency, Frequency, Monetary Analysis
ELI — Equity Linked Investments
WARN — Worker Adjustment and Retraining Notification Act of 1988
CCH — Commerce Clearing House
CBFA — Committee on Budget, Finance and Administration
NCCUSL — National Conference of Commissioners on Uniform State Laws
UNAMIR — United Nations Assistance Mission for Rwanda
MDIB — Minimum Distribution Incidental Benefit
TOFC — Trailer On Flat Car

SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
OR — Operating revenue
NFFE — Nonfinancial foreign entity
WCC — World Climate Conference
NABARD — National Bank for Agricultural and Rural Development
BQ — Best Qualified
EMV — Europay, Master Card and Visa
UNIDO — United Nations Industrial Development Organization
QE — Quarter Ending
WRAEA — Workforce Reinvestment and Adult Education Act
PIPE — Public investment in private equity
QNEC — Qualified nonelective contributions
STD — Short-term disability
FEI — Financial Executives Institute
KFC — Kentucy Fried Chicken
NR — Not Rated
AGFFA — Advisory Group on Financial Flows to Africa
BET — Business entity tax
MSER — Multi-state Employer Registration
UI — Unemployment Insurance
SOV — Share Of Voice
IAAS — Infrastructure as a Service
MMC — Money market certificate of deposit
QAIP — Quality Assurance and Improvement Plan
SBD — Small Disadvantaged Business
P&I — Principle and interest payment
SBRB — Small Business Research Board
LLDIE — Limited life debt investment entity
PUT — Persons Using Television
PFR — Portable Font Resource
UCR — Usual, customary, and reasonable
LCD — Labor Cost Distribution
GEM — Growing Equity Mortgage
INCB — International Narcotics Control Board
DIMA — Division of Information Management and Analysis
IRMAA — Income Related Medicare Adjustment Amount
OGC — Office of the General Counsel
DTCC — Depository Trust & Clearing Corp
NRA — Non-Resident Alien
B&N — Barnes and Noble
PE — Price to Earnings Ratio
AIMS — Advertising and Integrated Marketing Solutions
ASR — Accelerated Stock Repurchase
FSA — Flexible Spending Arrangement
CCP — Collateralized commercial paper
R/E — Real estate
PFK — Pay-for-knowledge-and-skills plans
JCT — Joint Committee on Taxation
UNOG — United Nations Office at Geneva
COPICS — Communication Oriented Production and Information Control System

GNC — General Nutrition Centers
E&P — Earnings & Profits
ICRA — Investment Information and Credit Rating Agency
EECB — Executive E-mail Carpet Bomb
UNTAET — United Nations Transitional Administration in East Timor
LLIC — Limited liability investment company
SBJPA — Small Business Job Protection Act of 1996
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
CSP — Certified Speaking Professional
AGGG — Advisory Group on Greenhouse Gases
P/E — Price-to-earnings ratio
WPP — Wire and Plastic Products
ARB — Accident Review Board
EDA — Economically Depressed Area
NSBA — National Small Business Association
UNDCP — United Nations International Drug Control Programme
FRN — Floating rate notes
DGFT — Director General of Foreign Trade
SEDR — Systems Engineering and Design Review
BPO — Broker Price Opinion
ALC — Agency Location Code
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
PBA — Pending bank approval
ADAS — Associate Deputy Assistant Secretary
ITEAM — Information Technology Enterprise Architecture Management
BV — Book value
PDM — Program Decision Maker
HARP — Home Affordable Refinance Program
UNOMSIL — United Nations Observer Mission in Sierra Leone
LMA — Labor Market Area
AAA — Authentication, Authorization & Access
B2C — Business to Citizen
CSUM — Common Security User Manager
DTP — Data Transfer Program
DR. — Debit
IRB — Internal Revenue Bulletin
OSBDU — Office of Small and Disadvantaged Business Utilization
PCS — Post-contract customer support
A&A — Advisory & Assistance
HRCI — Human Resource Certification Institute
ECN — Electronic Communications Network
UNL — Universal Networking Language
OSDBU — Office of Small and Disadvantaged Business Utilization
UNYOM — United Nations Yemen Observation Mission
IDS — Income Deposit Securities
NFTC — National Foreign Trade Council, Inc.
AFN — Annual Funding Notice
FOF — Fund of Funds
OIS — Overnight Index Swaps
GINA — Genetic Information Nondiscrimination Act of 2007

COSVA — Chief of Staff
PBM — Pharmacy Benefits Management (or Manager)
UNMOGIP — United Nations Military Observer Group In India & Pakistan
UNMEE — United Nations Mission in Ethiopia and Eritrea
ALBRS — Automated Lending and Borrowing in Rolling Settlement
KMI — Key Man Insurance
NFIB — National Federation of Independent Business
TPS — Transaction processing services
TVI — Trade Value Index
IDB — Industrial Development Bond
CESCR — Convention on Economic, Social and Cultural Rights
PMV — Private Market Value
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
ODCF — Owner's Discretionary Cash Flow
FBAR — Foreign Bank & Financial Account
DSPE — Deputy Senior Procurement Executive Known
URLA — Uniform Residential Loan Application
NIB — New In the Box
OCBOA — Other Comprehensive Basis of Accounting
FO — Foreign to occupation
UNOPS — United Nations Office for Project Services
FEP — Fair employment practice
MSPR — Medicare Secondary Payer Rules
GEENET — Global Environmental Epidemiology Network
ITC — International Trade Center
A&A — Assessment and Accreditation
UNICC — United Nations International Computer Centre
DEFRA — Deficit Reduction Act
CBO — Chief Business Office
SYD — Sum-of-the-years-digits
UNTAC — United Nations Transitional Authority in Cambodia
UNSO — United Nations Sudano-Sahelian Office
NACM — National Association of Credit Management
WCP — World Climate Programme (WMO/ICSU)
NE — Non-Exempt
USC — United States Code
RET — Retirement earnings test
C&A — Certification & Authority
IETC — International Environmental Technology Centre
EOSG — Executive Office of the Secretary-General
TALF — Term Asset-Backed Securities Loan Facility
RFB — Request For Bid
UNSECOORD — Office of the United Nations Security Coordinator
UNHSP — United Nations Human Settlements Programme
VWPX — Volume Weighted Price Uncrossing
DSW — Discount Shoe Warehouse
SBBA — Sales and Buy-Back Agreement
FSP — FASB Staff Position
DBA — Davis-Bacon Act

SECL — Secretarial
SIC — Standard industrial clssification
CO — Contracting Officer
AMCD — Audit and Management Consulting Division
S&L — Savings and Loan
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
BB — Base Benefits
SDVOB — Service-disabled veteran owned business
FAAS — Financial Assurance and Accountability Standards
CFIA — Competency Framework for Internal Auditing
SHD — Sustainable Human Development
GEMS — Global Environment Monitoring System
AC — Associate Chief of Staff
CTFA — Certified trust & financial advisor
UNDC — United Nations Disarmament Commission
IHRIM — International Association of Human Resource Information Management
CCSQ — Consultative Committee on Substantive Questions
USD — US Dollars
ARD — Actual retirement date
PL/PD — Personal liability/property damage
CEIS — Corporate Executive Information System
CWHSSA — Contract Work Hours and Safety Standards Act
BNIB — Business Needs and Investment Board
AUI — Auxiliary Unit Interface
ALA — American Legion Auxiliary
SV — Salvage value
UNSMIH — United Nations Support Mission In Haiti
UNPD — United Nations Procurement Division
FTR — family tracing and reintegration
MEC — Minimum essential coverage
JECFA — Joint Expert Committee on Food Additives
SSNVS — Social Security Number Verification System
DOCO — Development Operations Coordination Office
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
R/E — Retained earnings
EMIF — Emerging Issues Task Force
VBA — Veterans Benefit Administration
SLA — Share lending agreement
PM PAR — Program Management Policy, Assessment, and Reporting
ADA — Associate Deputy Administrator
SDE — Service Delivery and Engineering
UNAVEM — United Nations Angola Verification Mission
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
UNDAW — United Nations Division for the Advancement of Women
GWAC — Government Wide Acquisition Contract
FERS — Federal Employees Retirement System
QR — Quarterly Report
CPCU — Chartered property and casualty underwriter
FT — Full-Time
VOB — Veteran-Owned Business

CRPC — Chartered Retirement Planning Counselor
USPAP — Uniform Standards of Professional Appraisal Practice
HRLY — Hourly
KMI — Knowledge Management Initiative
ULPA — Uniform Limited Partnership Act
RDC — Remote Deposit Capture
ITC — International Training Centre
TILA — Truth In Lending Act
EPA — Expanded Programme of Assistance
ULP — Unfair Labour Practices
SSARS — Statement on Standards for Accounting and Review Services
SCP — Sustainable Cities Programme
CDS — Credit default swaps
IGE — Intergovernmental Group of Experts
SWA — State Workforce Agencies
LDC — Low Death Conflict
FLC — Foreign Labor Certification
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
SECA — Self-Employment Contributions Act
CHRC — Canadian Human Rights Commission
BIMS — Business Information Management Suite
EBSA — Employee Benefit Security Administration's
SPHR — Senior Professional Human Resources
NRA — Normal Retirement Age
IFUP — International Forum on Urban Poverty
CTI — Computer/Telephone Integration
SJ — Sales Journal
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
ACII — American Association of Individual Investors
BAN — Bank anticipation notes
UNOSOM — United Nations Operation in Somalia
CFPB — Consumer Finance Protection Bureau
PEC — Potential earnings converted
CHRC — Criminal History Records Check
HCSA — Health Care Spending Account
DESA — Department of Economic and Social Affairs
QTD — Qualified Total Distribution
WRHSE — Warehouse
UNOGIL — United Nations Observation Group In Lebanon
CDR — Centre for Documentation and Research
GAO — General Accountability Office
GRC — Goverance, risk and compliance
USCIS — U.S. Citizenship and Immigration Service
SAM — System for Award Management
GAGAS — Generally Accepted Government Accounting Standards
LMI — Lender's mortage insurance
UNMACC — United Nations Mine Action Coordination Centre
CTI — Category, Type, Item
USOA — Uniform system of accounts
BAT — Bureau of Apprenticeship and Training

FPM — Flexible Payment Mortgage
LTCG — Long-term capital gain
SAAR — Seasonally Adjusted Annualized Rate
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
DUZ — Designated User
CALS — Continuous Acquisition Lifecycle Support
KSA — Knowledge Skills or Abilities
NOLD — Net Operating Loss Deduction
NAO — National Administrative Offices
D/L — Demand loan
OEL — Offshore Employee Leasing
CCR — Central Contractor Registeration
UNSD — United Nations Statistic Division
SEI — Software Engineering and Integration
IEC — Inter Exchange Carrier
USM — Unlisted Securities Market
GAS — Governmental Accounting Standards
IMFL — Indian-Made Foreign Liquor
MPPAA — Multiemployer Pension Plan Amendments Act
TEA — Technology-enabled auditing
TN — Temporary Visa
EOLI — Employer owned life insurance
UNSC — United Nations Security Council
IFOR — Implementation Force
SBO — Small Business Ombudsman
SRO — Self Regulatory Organization
USCIS — US Citizenship and Immigration Services
WHYCOS — World Hydrological Cycle Observing System
EBS — Employee Benefits Security
IREA — Intermountain Rural Electric Association
CBD — Chief Benefits Director
IMRO — Investment Management Regulatory Organisation
IDB — Industrial Development Board
BOC — Business Operations Committee
SOBO — Small Office Business Office
VOSB — Veteran-Owned Small Business
DDB — Doyle Dane Bernbach
TIFF — Tagged Interface File Format
EBP — Employee Benefits Plan
COD — Country Operations Division
CSA — Common Services Architecture
ZEBRA — Zero-balance reimbursement account
GIWA — Global International Waters Assessment
NQPS — Nonqualified preferred stock
AGFUND — Arab Gulf Programme for United Nations Development Organizations
UNMIH — United Nations Mission In Haiti
DME — Development/Maintenance/Enhancement
FS — Forest Service (USDA)
CAO — Contract Administration Office
OER — Owner's equivalent rent

SE — Salaried Exempt
ASHHRA — American Society for Healthcare Human Resources Administration
ODCCP — United Nations Office for Drug Control and Crime Prevention
JAN — Job Accommodation Network's
UFW — United Farm Workers
WCB — Workers Compensation Board
LLTC — Limited liability trust company
CRSR — Congressional Research Service Report
EPLI — Employment Practices Liability Insurance
EBO — Equity buy out
TP — Technical Proposal
RIPA — Retirement Income Policy Act
DSA — Disaster Debt Set-Aside Program
MW — minimum weight
GCT — General Corporation Tax
SCIN — Self-canceling installment note
VPT — Volume Price Trend
MTNL — Mahanagar Telephone Nigam Limited
DITE — Division on Investment, Technology and Enterprise Development
SLSMN — Salesman
IQPA — Independent Qualified Public Accountant
ECDC — Economic Cooperation Among Developing Countries
AFSCME — American Federation of State, County and Municipal Employers
USRPI — U.S. real property interest
SDCF — Sellers Discretionary Cash Flow
SEPHA — Special Emergency Programme for the Horn of Africa
SAMS — Systemic Advocacy Management System
DOBI — Department of Defense Instruction
IBD — Investors Business Daily
NEO — New and Emerging Occupations
CCHR — Canadian Council on Human Resources
BIRLS — Beneficiary Identification Records Locator Subsystem
NIPA — National income and product accounts
VBIA — Veterans Benefits Improvement Act of 2004
TAA — Trade Adjustment Act
APIC — Additional paid-in capital
CEIT — Comprehensive business income tax
E/M — Evaluation and Management
LRO — Labor Relations Officer
ETR — United Nations Education and Training Programme
CBHCO — Community-Based Health Care Organization
TUR — Total Unemployment Rates
PPA — Pension Protection Act of 1987
UNTMIH — United Nations Transitional Mission in Haiti
SNT — Supplemental Needs Trust
UNMIBH — United Nations Mission in Bosnia and Herzegovina
ING — Internationale Nederlanden Group (a Financial Company)
CFO — Chief Financial/Fiscal Officer
BREP — Business Requirements Engineering Process
CFRS — Carry Forward in Rolling Settlement

ODDS — Online Data Delivery System
IEFR — International Emergency Food Reserve
NUA — Net Unrealized Appreciation
A/O — Administrative Offices
CSI — Commissioners Standard Industrial Mortality Table
PRA — Paperwork Reduction Act of 1980
NAPAT — National Association for Private Annuity Trusts
RA — Resident Alien
IPDC — International Programme for the Development of Communications
NAVA — National Association for Variable Annuities
SMB — Small- to medium-sized business
BPC — Budget Priority Committee
VLI — Variable Life Insurance
OES — Occupational Employment Statistics
WHCRA — Women’s Health and Cancer Rights Act of 1998
NATP — National Association of Tax Professionals
QIE — Domestically controlled qualified investment entity
ASSE — American Society of Safety Engineers-Professional
UNDG — United Nations Development Group
L/V — Loan-to-value ratio
IACWGE — Inter-Agency Committee on Women and Gender Equity
EAO — Executive and Administrative Office
ICS — Information Centres Services
MOD — Manufacturing on demand
IDS — International Development Strategy
ECM — Energy Conservation Measures
SBIR — Small Business Innovation and Research
BRM — Business Relationship Meeting
DM — Department of Management
POC — Pacific Operations Centre
HTTP — Hyper Text Transport Protocol
SBLF — Small Business Lending Fund
UNIDIR — United Nations Institute for Disarmament Research
COAS — Clinical Observation Access Control
OEBS — Office of Employee Benefits Security
TEA — Transportation Efficiency Act
FPO — Fruit Products Order
CSP — Cyber Security Professional
JEEP — Joint Ethics Enforcement Plan
CHS — Commission on Human Settlements
LDP — Last Day Paid
WMU — World Maritime University
SLA — Supplemental Lease Agreements
IOLTA — Interest on Lawyer's Trust Account
LTP — Long-Term Plan
CCS — Care Coordination Services
FALD — United Nations Field Administration and Logistics Division
BCBS — Blue Cross/Blue Shield
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
UNMO — United Nations Military Observers

PCE — Pre-existing Condition Exclusion
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
DBB — Design-bid-build
GPML — Global Programme Against Money Laundering
ICDB — International Childrens' Day of Broadcasting
IFEBP — International Foundation of Employee Benefit Plans
AA — Average Audience
GTC — Good Till Canceled Order
HR — Human Rights's
SDA — Self-directed brokerage account
DRPC — Division for Resources Planning and Coordination
SSTP — Streamlined Sales Tax Project
DPGA — Deferred Payment Gift Annuity
CEOSH — Center for Engineering & Occupational Safety and Health
AWL — Actual Wage Loss
ISMUN — International Student Movement for the United Nations
UNHQ — United Nations Headquarters
JVC — Japan's Victor Company
AETF — African Emergency Task Force
TPD — Third-party designee
ACLI — American Council of Life Insurance
DBIC — Data Base Integration Committee
NAALC — North American Agreement on Labor Cooperation
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
DFS — Dancer Fitzerald Sample
ILM — Industrial Light and Magic, Inc.
FCA — Division for Finances, Control and Administration
CPS — Core Products and Services
DWC — Division of Workers Compensation
BDC — Business Development Council
VCL — Vacancy and collection losses
HAC — Health Administration Center
FASAC — Financial Accounting Standards Advisory Committee
BSAD — Baseline System Architecture Document
USTC — United States Tax Court
SMP — Special Multiperil Policy
BA — Business Architecture
TPRB — Trade Policy Review Body
NAP — Noninsured Crop Disaster Assistance Program
LTD — Long Term Insurance
SPX — Standard and Poor’s Index
PERC — Premiums, earnings and reasonable charges
EB — Extended Benefits
PE — Printer Error
PPBD — Programme Planning and Budget Division
PCM — Percentage-of-completion method
SST — Streamline Sales and Use Tax Agreement
PL — Profit and Loss
MFST — Manifest
CBRS — Currency banking and retrieval system

ERD — Emergency Response Division
DI — Debt instrument
BKPR — Be Kind, Please Rewind
BLBA — Black Lunch Benefits Act
NCO — Net chargeoffs
SGML — Standard Generalised Markup Language
ATNOL — Alternative Minimum Tax Net Operating Loss
PWD — Prevailing Wage Determination
INTECH — United Nations University Institute for New Technologies
DBM — Disruptive Behavior Management
UNCJIN — United Nations Crime and Justice Information Network
T/B — Trial balance
UNFALD — United Nations Field Administration and Logistics Division
SBI — Site Build It
GIPS — Global Investment Policy Standards
WPPDA — Welfare and Pension Plan Disclosure Act
RDMHQ — Rapidly Deployable Mission Headquarters
AR — Architecture Requirements
MDA — Market development funds
CATS — Certificate of accrual on Treasury securities
CFS — Committee on World Food Security
IASA — Internation Air Shipper's Association
TCDC — Technical Cooperation among Developing Countries
UNLTC — United Nations Military Liaison Team in Cambodia
PJ — Purchases journal
GAW — Guaranteed Annual Wage
SRPM — Stated Redemption Price at Maturity
WDC — Workforce Development Center
STOLI — Stranger-originated life insurance
JRPU — Joint Reintegration Programming Unit
OHR — Office of Human Resources
IAG — International Advisory Group
RRM — Renegotiated-Rate Mortgage
PPIP — Public-Private Investment Program
CISC — Common Instruction Set Computer
DCM — Department Cost Manager
VRP — Variable Rate Premium
CCC — Cost Containment Center
NRV — Net recoverable value
CIP — Capital Investment Process
BPA — Blanket purchase authoriation
PE — Pass-through entity
INRA — United Nations University Institute for Natural Resources in Africa
DBIA — Database Integration Agreement
XRA — Expected Retirement Age
COSG — Collaborative Opportunities Steering Group
BPO — Budget process outsourcing
DSPD — Division for Social Policy and Development
TRD — Trade Relations Division
DR — Direct Response

QREC — Quality Review Executive Committee
FUA — Federal Unemployment Account
UNCA — United Nations Correspondents Association
DGAACS — Department of General Assembly Affairs and Conference Services
IAPSO — Inter-Agency Procurement Services Office
I&A — Interest and amortization
USENET — USEr NETwork
CPTAL — Capital
CBC — Community Based Outpatient Clinic
DEC — Deductible voluntary employee contributions
CSO — Cyber Security Office
WST — Waste Spare Time
NOIDA — New Okhla Industrial Development Authority
TCPC — Technical Committee for Programme and Coordination
RMA — Restricted management account
UNMAS — United Nations Mine Action Service
IBDOEI — Income before discontinued operations and extraordinary items
NASDR — National Association of Securities Dealers Regulation
PH.D. — Doctorate Of Philosophy
IUR — Insured Unemployment Rates
OIP — Office of the Iraq Programme
SIA — Securities Industry Act of 1983
ND — Network Director
NTU — National Taxpayer's Union
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
NIC — Newly Industrialized Countires
ICE — Internal control evaluation
ERCI — Employee Relocation Council Institute
FSB — Fortune Small Business
NCAO — National Cemetery Area Office
BCAG — Business Community Advisory Group
IIOP — Internet Inter operable ORB Protocol
PCB — Programme Coordination Board
COFI — Committee on Fisheries
UNFSTD — United Nations Fund for Science and Technology for Development
PD — Procurement Division
USERRA — Uniform Services Employment and Reemployment Rights Act
GPRS — General Packet Radio System
OTI — OSHA Training Institute
ODPR — Office for Displaced Persons and Refugees
SPFS — Special Programme for Food Security
HB — House B ill
PDA — Public Displays of Affection
FEP — Fair Employment Practices
OAR — Overall Rate Of Return
UR — Unemployment Rate
WST — Waste Systems and Transportation
LTI — Lead Time Interval
FELA — Federal Employment Liability Act
COMP. — Item given for free

CRA — Credit Rating Agency
TAC — Technology Assessment Committee
IIST — United Nations University International Institute for Software Technology
CLO — Collaterialized loan obligation
CC — Copy To
ZBA — Zero-Balance Account
UNIC — United Nations Information Centre
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
EAP — Employee Assistance Plan
VRM — Variable Rate Mortgage
LTC — Long-Term Care
BRB — Benefit Review Board
OASI — Old Age Survivors Insurance
CPR — Committee of Permanent Representatives
NDNH — National Directory New Hires
PBC — Programme and Budget Committee
CEFU — Continuing Education Field Unit
IAS — United Nations University Institute of Advanced Studies
FYE — Fiscal year ended
UNIS — United Nations Information Service
CONGO — Conference on Non-Governmental Organizations
CAMPS — Cumulative Auction Market Preferred Stock
NCAER — National Council for Applied Economic Research
COBRA — Common Object Request Broker Architecture
OIS — Occupations Information System
EAT — Exchange Accommodation Titleholder
UNIS — United Nations International School
CFP — Clinical Financial Planner
LBO — Limited Buyout
SLE — Single lease expense
MSFW — Migrant and Seasonal Farm Worker
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
OHCA — Organized Health Care Arrangement
POD — Professional & Organizational Development
EBRI — Employee Benefits Research Institute
EPLI — Employee practices liability insurance
HRC — Historic Rehabilitation Credit
WOSB — Woman-Owned Small Business
ORD — Office Of Research And Development (USEPA)
B2C — Business to Comerce
WCC — Working capital cycle
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
IPECILO — International Programme for the Elimination of Child Labour
FAC-C — Federal Acquisition Certification in Contracting
XFRML — XML based Financial Reporting Markup Language
HCIP — Harmonized Index of Consumer Pricing
OSDC — Over/Short/Damage/Claims
CVE — Center for Verification and Evaluation
GST — Generation-Skipping Transfer
YSP — Yield-spread premium

EPAU — Evaluation and Policy Analysis Unit
PKO — Peace-Keeping Operation
UNOV — United Nations Office at Vienna
BEST — BrihnanMumbai Electric Supply and Transport
SEES — Survey Evaluation Exam System
UNREO — United Nations Rwanda Emergency Office
TARP — Troubled Assets Relief Program
FABS — Financial and Business Solutions
MINX — Multimedia Information Network Exchange (system)
ICFY — International Conference on the Former Yugoslavia
WIA — Workforce Investment Act
NBER — National Bureau of Economic Research
NAWW — National Average Weekly Wages
BNI — Business Needs and Investment
EMA — Expense Management Automation
JSSA — Jury Selection and Service Act
UB — Unsafe Buildings
NST — National Sales Tax
ISBA — International Seabed Area
IPI — Industrial Protection Index
FCIC — Financial Crisis Inquiry Commission
BKPR — Bookeeper
HDRO — Human Development Report Office
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
FIRPTA — Foreign Investment in Real Property Tax Act
SIU — Sets In Use
UNMA — United Nations Mission in Angola
HMO — Health Maintenance Organisation
CCR — Central Contracting Registry
JIU — Joint Inspection Union
WRKR — Worker
NSDL — National Securities Depository Limited
PCNICC — Preparatory Commission for the International Criminal Court
DDB — Deemed death benefit
SUB — Supplemental Unemployment Benefit
CORTS — Corporate-backed trust securities
GEO — Global Environment Outlook Report
UNISTE — United Nations International Symposium on Trade Efficiency
CPK — Cost Per Keyword
LT — Lost Time
HPS — Headquarters Procurement Section
IM/DQ — Identity Management/Data Quality
NMHPA — Newborns’ and Mothers’ Health Protection Act
SEAROWHO — Regional Office for South-East Asia Region
UNFIP — United Nations Fund for International Partnerships
COAG — Committee on Agriculture
UNGEGN — United Nations Group of Experts on Geographical Names
MF — Medical Facilities
STIP — Short-Term Industry Projections
MACC — Mine Action Coordination Centre

ATP — Acquisition Training Program
UNOB — United Nations Office in Burundi
BOY — Beginning of Year Violator
MAT — Minimum Alternative Tax
FAS — Finance and Accounting System
SSM — Software Service Manager
CDARS — Certificate of Account Registry Service
AIR — Assumed Investment Rate
SMES — Small- and medium-scale enterprises
PFA — Platform for Action
IPO — Incorporated to Provide
JAIN — Joint American Indian Network
CUNA — Credit Union National Assocation
GWG — Gender Working Group
CPI-U — Consumer Price Index for All Urban Consumers
HR — Headquarters Regulation
EPPG — Emergency Prevention and Preparedness Group
TEUC — Temporary Extended Unemployment Compensation
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
TOM — Traded Options Market
LAUS — Local Area Unemployment Statistics
NABE — National Association for Business Economics
HUT — Households Using Television
NPA — National Plans of Action
SROI — Subsequent Report of Injury
HOW — Homeowner Warranty Plan
RPO — Recruitment process outsourcing
POB — Public Oversights Board
LOW — Lack of Work
ESOT — Employee Stock Ownership and Trust
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
IMC — Integrated Market Communications
MQT — Medicaid Qualifying Trust
UNLB — United Nations Logistic Base
NAEA — National Association of Enrolled Agents
JPAC — Joint Public Advisory Committee
B/A — Basic Agreement
SFI — Six-Figure Income
MRAM — Magnetic Random Access Memory
USPTO — U.S. Patent and Trademark Office
UNMOP — United Nations Mission of Observers in Prevlaka
T&E — Travel & Entertainment
XUL — eXtensible UserInterface Language
CWSP — College Work-Study Program
EBX — Electronics Boutique X
SLOB — Separate lines of business
POP — Point-of-purchase
PCA — Permanent Court of Arbitration
OUSG — Office of the Under Secretary General
ROLAC — Regional Office for Latin America and the Carribean

PBSI — Performance Based Salary Increase
PPA — Paperwork Reduction Act
CDP — Committee for Development Policy
PRP — Potentially Responsible Party (Superfund)
TOE — Time is of the essence
BRSP — Bureau for Resources and Strategic Planning
COFO — Committee on Forestry
BAB — Build America Bonds
FOIA — Freedome of Information Act
DRM — Division for Resources Mobilization
UNJSPB — United Nations Joint Staff Pension Board
PCPB — Post-Conflict Peace-Building
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
FROI — First Report of Injury
UMTS — Universal Mobile Telephone System
SOIR — Schaeffer Open Interest Ratio
CI — Control Item
WBC — Women Business Center
SDC — System Development Center
UNIKOM — United Nations Iraq-Kuwait Observation Mission
FSET — Federal State Employment Taxes
WPRO — Western Pacific Regional Office
UNOMA — United Nations Observer Mission in Angola
FMSHA — Federal Mine and Safety Health Act
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
INWEH — United Nations University International Network on Water, Environment and Health
D/N — Demand note
CFTA — Currency and Foreign Transaction Act
UNRRA — United Nations Relief and Rehabilitation Agency
BLESS — Borrowing and Lending Securities Schemes
HRC — Health Resource Center
HRIS — Human Resources Information Service
OALC — Office of Acquisition, Logistics, and Construction
CIFR — Committee on Improvements to Financial Reporting
IMPACT — Inventory Management Program and Control Techinques
QANTAS — Queensland and Northern Territory Ariel Service
VOC-ED — Vocational Education
EPRS — Emergency Preparedness and Response Section
SOS — Switched On Schoolhouse
SFO — Solicitatio for offers
UNON — United Nations Office at Nairobi
SPD — Division for Special Programmes Development
MAG — Mine Advisory Group
DSRSG — Deputy Special Representative of the Secretary-General
VOC-REHAB — Vocational Rehabilitation
UNPA — United Nations Protected Area
NVC — National Veterans Conference
SVNGS — Savings
SBL — Small Business Liaisons

UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
CSCIS — Computer Software Configuration Items
SBLC — Small Business Legislative Council
SARD — Sustainable Agriculture and Rural Development
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
AFROWHO — Regional Office for Africa
TRD — Transfer of Development
UNASOG — United Nations Aouzou Strip Observer Group
SR — Systems Redesign
WST — Waste Science and Technology
TPA — Technical Practice Aide
UNTOP — United Nations Tajikistan Office for Peace-Building
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
SP — Strategic Plan
SSD — Specialist Services Division
PBGC — Pension Benefit Guarantee Corporation
NC — National Cemetery
CRISIL — Credit Rating Investment Services India Limited
UNPA — United Nations Postal Administration
WCDMP — World Climate Data and Monitoring Programme
EHLP — Emergency Homeowners Loan Program
HEP — Humanitarian Evacuation Programme
CCD — Centralized Contracting Division
STW — School-To-Work
ECLAC — Economic Commission for Latin America and the Carebbean
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
CPK — California Pizza Kitchen
KFOR — UN Kosovo Force
UNAT — United Nations Administrative Tribunal
GLSO — Group Legal Services Organization
IPC — Integrated Programme for Commodities
ECS — Enterprise Class Storage
NVCA — National Venture Captial Association
C&P — Compensation & Pension
SEPPAA — Single Employer Pension Plan Amendments Act
SPDC — Special Political and Decolonization Committee
NBB — New Belgium Brewery
VAMC — Va medical center
TDB — Trade and Development Board
CIM — Corporate Information Model
TSB — Targeted Small Business
SOPAC — South Pacific group of countries
DSD — Division for Sustainable Development
PIRG — Public Interest Research Group
PTD — Procurement and Transportation Division
MVI — Mini Vacations Incorporated
SOYD — Sum-of-the-years-digits
UNPOB — United Nations Political Office in Bougainville
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)

UNSMA — United Nations Special Mission to Afghanistan
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
PATS — Planning, Architecture, Technology and Services
WOTC — Workforce Opportunity Tax Credit
HEA — Health Enterprise Architecture
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
LA — Labor Area
POPIN — United Nations Population Information Network
IMF — International Monitary Fund
ULC — Uniform Law Commissioners
VACO — VA Central Office
CARDS — Custom Adjustable Rate Debt Structure
UNTSO — United Nations Truce Supervision Organization
PPBA — Office of Programme Planning, Budget and Accounts
UNTPDC — United NationsTrade Point Development Centre
SAC — Strategic Acquisition Center
EFAST — ERISA Filing Acceptance System
SEBI — Securities Exchange Board of India
HST — Health Statistics
SIPA — Securities Investment Protection Act
UNSF — United Nations Security Force in West New Guinea
OHRM — Office of Human Resources Management
UNTAG — United Nations Transition Assistance Group
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
OTR — Office of Thrift Supervision
NVSBC — National Veterans Small Business Conference
GAP — Gross amount paid
NVSBE — National Veterans Small Business Engagement
TWAIN — Toolkit Without an Interesting Name
WARN — Worker Adjustment and Retraining Notification Act W&M
COS — Cost of sales