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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
MNC — Multinational Corporation
DEPR. — Depreciation
RMA — Return Merchandise Authorization
UM — Uninsured Motorist
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
TTL — Total
B/E — Breakeven
OSS — Open Source Software
ACR — Accrual
BCWP — Budgeted Cost for Work Performed
CP — Contingency Plan
GLB — Gramm-Leach-Bliley Act
IGO — Intergovernmental Organization
DDB — Double-Declining-Balance
LAN — Local Area Network
CORELAP — Computerised Relationship Layout Planning
FOMC — Federal Open Market Committee
BFOQ — Bona Fide Occupational Qualification
FLSA — Fair Labor Standards Act
FMLA — Family Medical Leave Act
HIPPA — Health Insurance Portability and Accountability Act
ETA — Estimated Time of Arrival
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
CSR — Customer Service Representative
CRFB — Committe for Responsible Federal Budget
RAROC — Risk-Adjusted Return On Capital
GPROI — Gross Profit Return on Investment
CBPP — Center on Budget and Policy Priorities
CAGR — Compound Annual Growth Rate
APR — Annual Percentage Rate
XML — Extensible Markup Language
RFID — Radio Frequency Identification
O*NET — Occupational Information Network
FISMA — Federal Information Security Management Act
AFDC — Aid to Families with Dependent Children
ROM — Read-Only Memory
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
YTD — Year To Date
S&OP — Sales and Operations Planning
ANOVA — Analysis of Variance (statistics)
ARPANET — Advanced Research Projects Agency Network (early internet)
DOB — Date Of Birth
JC PENNEY'S — James Cash Penney
U&C — Usual and customary

FTP — File Transfer Protocol
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
P.O.C. — Paid outside of closing
U.S.C. — United States Code
IDIQ — Indefinite Delivery, Indefinite Quantity
P&Z — Planning & Zoning
DRIP — Dividend Reinvestment Plan
B-TO-B — Business-To-Business
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
ITEP — Institute on Taxation and Economic Policy
RCNLD — Replacement Cost New Less Depreciation
U.S. DOL — United States Department of Labor
M.O.M. — Middle of the month
J/E — Journal entry
C-CPI — Chained Consumer Price Index
CMO — Collateralized Mortgage Obligation
KPMG — Klynveld Peat Marwick Goerdeler
A.O.B. — Any other business
FDIC — Federal Deposit Insurance Corporation
B-TO-C — Business to consumer
A/OPC — Agency/Organization Program Coordinator
EOQ — economic order quantity
C.L.U.E. — Comprehensive Loss Underwriting Exchange
W-A — Weighted average
C.&F. — Cost and freight
QDRO — Qualified Domestic Relations Order
FAC-P/PM — Federal Acquisition Certification Program/Project Management
F/B/O — For benefit of
A&MMS — Acquisition and Materiél Management Service
M-O-M — Month over month
ANSI — American National Standards Institute, Inc.
U.S. DOJ — United States Department of Justice
INC — Intergovernmental Negotiating Committee
HIPC — Heavily Indebted Poor Countries
MPC — Marginal Propensity to Consume
UBTI — Unrelated Business Taxable Income
IT — Information Technology
P.L. — Public Law
UNLTD — Unlimited
E.O. — Executive Order
EBITA — Earnings before interest taxes depreciation amortization
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
BBS — Bulletin Board Service
I-TIPS — Information Technology Investment Portfolio System
SSN — Social Security Number
GEICO — Government Employees Insurance Company
A&MM — Acquisition and Materiél Management
M.ED — Masters in Education
NAFEP — National Association of Financial and Estate Planning
GATB — General Aptitude Test Battery

OA&L — Office of Acquisition and Logistics
E&IT — Electronic and Information Technology
VAGFE — VA-owned Government Furnished Equipment
FLRA — Federal Labor Relations Authority's
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
WAASE — Division for Western Asia, Arab States and Europe
IRC — Internet Relay Chat
QCEW — Quarterly Census of Employment and Wages
AUP — Acceptable Use Policy
PLS — Please
AAA — American Automobile Association
LIFO — Last In, First Out
IACSD — Inter-Agency Committee on Sustainable Development
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
EDWOSB — Economically disadvantaged woman-owned business
AAA-CPA — American Association of Attorney-Certified Public Accountants
LMRA — Labor Management Relations Act
WHO — World Health Organization
FF&E — Furniture, Fixtures & Equipment
RFQ — Request For Quotation
QC — Quality Control
W/O — Without
FEMA — Federal Emergency Management Agency
IP — Internet Protocol
CBD — Cash Before Delivery
YUPPIE — Young Urban Professional
EDI — Electronic Data Interchange
PPE — Personal Protective Equipment
ATM — Automatic Teller Machine
RNFA — Return On Net Financial Assets
COB — close of business (End of duty day)
GSM — Global System for Mobile Communications
EAP — Employee Assistance Program
KPI — Key Performance Indicator
AA — Affirmative Action
CCB — Change Control Board
GDP — Gross Domestic Product
BGT — Budget
O/S — Outstanding
BFP — Bona Fide Purchaser
DMAIC — Define, Measure, Analyze, Improve, Control
SALY — Same As Last Year
FTE — Full Time Equivalent
NFI — Net Financial Income
ADB — Asian Development Bank
CY — Calendar Year
SAAS — Software as a Service
ACH — Automated Clearing House
IRR — Internal Rate of Return
LFPR — labor force participation rate

EEO — Equal Employment Opportunity
WML — Wireless Markup Language
CPI — Consumer Price Index
LTCM — Long-Term Capital Management
BSA — Bank Secrecy Act
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
ISP — Internet Service Provider
CDO — Collateralized Debt Obligation
MSDS — Material Safety Data Sheets
TQM — Total Quality Management
ATTN — Attention
RPI — Retail Price Index
Q — Quarter
CV — Curriculum Vitae
LLC — Limited Liability Company
CD — Certificate of Deposit
CEO — Chief Executive Officer
UNESCO — United Nations Educational, Scientific and Cultural Organization
SMTP — Simple Mail Transfer Protocol
USDA — United States Department of Agriculture
CBO — Congressional Budget Office
YTM — Yield to Maturity
WACC — Weighted Average Cost Of Capital (accounting)
FINRA — Financial Industry Regulatory Authority
FR — Federal Register
ROIC — Return on Invested Capital
RFP — Request For Proposal
AD — Advertisement
FIFO — First In, First Out
KSOP — 401(k) Employee Stock Option Plan
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
GATT — General Agreement on Tariffs and Trade (government)
GIS — Geographic Information System
PDA — Personal Digital Assistant
ICE — Intrusion Countermeasures Electronics
ADR — Alternative Dispute Resolution
IOC — Intergovernmental Oceanographic Commission
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
DOT — Department of Transport
ETA — Department of Labor's Employment and Training Administration
ATF — As Trustee for
CBC — Complete Blood Count
BLS — Bureau of Labor Statistics of the United States Department of Labor
LTV — Loan To Value
ASME — American Society of Mechanical Engineers
R&D — Research & Development
ADP — Actual Deferral Percentage
PDF — Portable Document Format (created by Adobe Acrobat)
GM — Gross Margin
ADR — American Depositary Receipt

AUM — Assets Under Management
ARC — American Red Cross
DVP — Delivery Versus Payment
CAPEX — Capital Expenditure
SRAM — Static Random Access Memory (ess-ram)
GNP — gross national product (economics)
TSR — Total Shareholder Return
THX — Thanks
OI — Operating Income
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
UCC — Uniform Commercial Code
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.
FTA — Free-Trade Agreement
ABC — activity based costing
ACWP — actual cost for work performed
IPO — Initial Public Offering
SAN — Storage Area Network
IRA — Individual Retirement Account
HR — Headquarters Report
GA — General Assembly
ICAO — International Civil Aviation Organization
LLP — Limited Liability Partnership
BEA — Bureau of Economic Analysis
MIGA — Multilateral Investment Guarantee Agency
BOL — Bill Of Lading
SGLI — Servicemember Group Life Insurance
GP — Gross Profit
EST — Eastern Standard Time
URL — Universal Resource Locator
GOI — Gross Operating Income
NAV — Net Asset Value
ARB — Architecture Review Board
ASCII — American National Standard Code for Information Interchange
FDCPA — Fair Debt Collection Practices Act
LMI — Labor Market Information
MTBF — Mean Time Before Failure
AP — Accounts Payable
ADR — American Depository Receipt
DBA — Doing Business As
EPA — Environmental Protection Agency (US)
REO — Real Estate Owned
ADP — Automated Data Processing
ERP — Emergency Response Plan
APT — Arbitrage Pricing Theory
SLA — Service Level Agreement
ARM — Adjustable Rate Mortgage
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
OTC — Over The Counter (medications not requiring a prescription)
CIO — Chief Information Officer
GL — General Ledger

LY — Last Year
CRS — Congressional Research Service
BIW — Biweekly
OECD — Organization for Economic Cooperation and Development
CAE — Computer-Aided Engineering
ARO — After Receipt of Order
SKU — Stock Keeping Unit
FOREX — Foreign Exchange
ICFR — Internal Control Over Financial Reporting
RFC — Request For Comment
UIM — Underinsured Motorist
JV — Joint Venture
ITIN — Individual Taxpayer Identification Number
FAA — Federal Aviation Administration
EO — Executive Order
ADL — activity of daily living
FINCEN — Financial Crimes Enforcement Network
NOPAT — Net Operating Profit After Tax
NSC — National Security Council
EEOC — Equal Employment Opportunity Commission
BARS — Behaviourally-Anchored Rating Scale
OT — Overtime
RAM — Reverse Annuity Mortgage
DPKO — Department of Peacekeeping Operations
BPML — Business Process Modeling Language
QTY — Quantity
AWOL — Absent Without Leave
RAM — random-access memory
ANCOM — Andean Common Market
CBA — Cost Benefit Analysis
B/L — Bill of Lading
HMO — Health Maintenance Organization
EU — European Union (1994; formerly referred to as the EEC or EC)
ADB — African Development Bank
G2C — Government to Consumer
RMP — Risk Management Plan
ROE — Return On Equity
GPS — Global Positioning System (ex-NAVSTAR)
CMT — Constant Maturity Treasury
FASAB — Federal Accounting Standards Advisory Board
WWW — World Weather Watch
NPV — Net Present Value {economics}
PV — Present Value
FAR — Federal Acquisition Regulation
AER — Annual Equivalent Rate
CMA — Comparative Market Analysis
ODA — Official Development Assistance
EURIBOR — Euro Interbank Offered Rates
RSF — rentable square feet
SD — Standard Deviation

EOD — End Of Day
DES — Data Encryption Standard
GRUT — Grantor Retained Unitrust
CV — Cost Variance
PAQ — Position Analysis Questionnaire
SEM — Search Engine Marketing
CIM — Computer Integrated Manufacturing
NATO — North Atlantic Treaty Organisation
LOB — Line Of Business
FOB — Free On Board
ABM — Activity Based Management
POA — Power Of Attorney
CIP — Carriage and Insurance Paid to
CCAQ — Consultative Committee on Administrative Questions
POE — Point of Entry
DTA — Deferred tax assets
DCP — Defined Contribution Plan
UNDMT — United Nations Disaster Management Team
LOA — Leave Of Absence
PD — Position Description
CPM — Critical Path Method
ETA — Employment and Training Administration
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
PE — Private Equity
FPL — Federal Poverty Level
BPA — Blanket Purchase Agreement
COD — Cash On Delivery
DFA — Department of Finance and Administration
MA — Moving Average
IFRS — International Financial Reporting Standard
BOV — Broker’s Opinion of Value
AON — Angolan New Kwanza
SLIP — Serial Line Interface Protocol
RIF — Reduction In Force
ROM — Range Of Motion
AMA — American Management Association
TER — Total Expense Ratio
SDR — Special Drawing Rights
PC — Politically Correct
IM — Information Management
GMP — Good Manufacturing Practice
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
AM — Asset Management
ETF — Exchange Traded Fund
S&U — Sales and use
QOS — Quality of Service
ACCT — Account
FASAB — Financial Accounting Standards Advisory Board
SQA — Software Quality Assurance
MSN — Microsoft Network

BOP — Bureau Of Prisons
IBAN — International Bank Account Number
MSA — Metropolitan Statistical Area
IPS — Investment Policy Statement
TBD — To Be Determined
CTS — Carpal Tunnel Syndrome
ALM — Asset Liability Management
G2G — Government to Government
CPC — Cost Per Click-through
FMS — Financial Management Service
LIBOR — London interbank offering rate
PM — Program Manager
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
PO — Purchase Order
EFA — Education for All
GMWB — Guaranteed Minimum Withdrawal Benefit
DIH — Days Inventory Held
STD — Standard
LWDI — Lost Work Day Injury Rate
MBA — Mortgage Bankers Association of America
CEN — Committee European de Normalisation
CTR — Currency Transaction Report
EMA — Exponential Moving Average
LBO — Leveraged Buyout
CTO — Chief Technology Officer
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
PGP — Pretty Good Privacy (encryption)
CFROI — Cash Flow Return on Investment
CAFTA — Central American Free Trade Agreement
DMA — Designated Market Area
MIS — Management Information System (OSHA)
CAO — Chief Accounting Officer
ITLOS — International Tribunal for the Law of the Sea
CR — Continuing Resolution
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.
OPT — Other People's Time
OASDI — Old Age Survivors Disability Insurance
MIRR — Modified Internal Rate of Return
DOD — United States Department of Defense
FAS — Free Alongside Ship
DNS — Domain Name System
LOC — Line Of Credit
EV — Enterprise Value
FICCO — Fair Issac Credit Organization
HIBOR — Hong Kong interbank offered rate
IVR — Interactive Voice Response (telephone technology)
ITA — International Trade Administration
ASP — Active Server Page
CSRS — Civil Service Retirement System
DRAM — Dynamic Random Access Memory (dee-ram) (computing)

BI — Business Intelligence
PDM — Product Data Management
PNG — Portable Network Graphics (graphic file standard/extension)
P&L — Profit and Loss statement
IETF — Internet Engineering Task Force
IFB — Invitation For Bid
CP — Commercial Paper
CRAT — Charitable Remainder Annuity Trust
BD — Business Development
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
NT — Near-Term
NYSE — New York Stock Exchange
CDHP — consumer-driven health plan
EXCOM — Executive Committee
CBT — Computer Based Training
GRM — Gross Rent Multiplier
IMF — International Monetary Fund
HCFA — Health Care Financing Administration
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
AE — Account Executive
ETR — Effective Tax Rate
IAEA — International Atomic Energy Agency
C&F — Cost and Freight
GPP — Gross Profit Percentage
ABO — Accumulated Benefit Obligation
ACRS — Accelerated Cost Recovery System (finance)
3PL — Third Party Logistics
CPO — Cost Per Order
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
AARP — American Association of Retired Persons
USP — Unique Selling Point
CTO — Compensatory Time Off
VPN — Virtual Private Network (ATM)
BCA — Business Continuity Plan
QA — Center for Quality Assurance in International Education
ACO — Administrative Contracting Officer
COO — Chief Operation Officer
POD — Proof Of Delivery
BOE — Bank of England
JIT — Just in time
SC — Security Council
IRC — Internal Revenue Code of 1986
GFE — Good Faith Estimate
PPO — Preferred provider organization
O&M — Operation and Maintenance
ABA — American Bankers Association
DOJ — Department of Justice (US)
CFA — Consumer Federation of America
CPP — Capital Purchase Program
WC — Worker's Compensation

SAM — Shared-Appreciation Mortgage
NLRB — National Labor Relations Board
ERV — Estimated Rental Value
PDA — Personal Data Assistant
AMEX — American Stock Exchange
EP — Earned Premium
FIT — Financial institutions tax
PFA — Prevention of Food Adulteration Act
ISDN — Integrated Services Digital Network
ARNP — Advanced Registered Nurse Practitioner
HAZMAT — Hazardous Material
LOI — Letter Of Intent
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
POP — Point Of Presence (Internet)
SAS — Statement on Auditing Standards
MTD — Month-to-date
DI — Disability Insurance
CPM — Continuous Passive Motion
QMAC — Qualified Matching Contributions
MSA — Medical Savings Account
UNU — United Nations University
DPP — Direct Participation Program
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
PY — Program Year
CFR — Code of Federal Regulations
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
CUSFTA — Canada-US Free Trade Agreement
FY — Fiscal Year
PIP — Performance Improvement Plan
RULPA — Revised Uniform Limited Partnership Act
MDB — Multilateral Development Bank
ABS — Automated Bond System
FSA — Flexible Spending Account
IDP — Internally Displaced Person
ROI — Return on Investment
GSF — Gross Square Feet
CISO — Chief Information Security Officer
SG&A — Selling, general, and administrative expenses
FDA — Food Drug Administration
IRCA — Immigration Reform and Control Act
COTR — Contracting Officer Technical Representative
GAAP — Generally Accepted Accounting Procedures
UNEP — United Nations Environment Program
CRO — Chief Risk Officer
MEC — Modified Endowment Contract
CRM — Customer Relationship Management
RFQ — Request For Quote
XTML — eXtensible Telephony Markup Language
CPM — Corporate Performance Management
BNA — Bureau of National Affairs, Inc.

ZIP — Zone Improvement Plan
3M — Minnesota Mining And Manufacturing Company
NOA — Net Operating Assets
IBM — International Business Machines Corporation
BS — Balance Sheet
AJE — Adjusting Journal Entry
FOIA — Freedom of Information Act
ITC — Information Technology Center
CPM — Cost Per Thousand
JD — Job Description
APPROX — Approximate
AGI — Adjusted Gross Income
MTF — Medical Treatment Facility
SM — Service Mark
AMID — Allowable Miscellaneous Itemized Deductions
EPA — Equal Pay Act
IDR — Issuer Default Rating
PFS — Personal Financial Specialist
DRP — distribution requirements planning
EBT — Earnings Before Tax
HSA — Health Savings Account
AOV — Average Order Value
BDF — Beneficiary Designation Form
NCA — National Cemetery Administration
DCA — Dollar Cost Averaging
G2B — Government to Business
PC — Percent
PAT — Profit After Tax
NI — Net Income
TL — Truckload
4P — Price, Product, Place and Promotion
DFAS — Defense Financial Accounting Service
RAID — Redundant Array of Inexpensive Disks
WTO — World Tourism Organization
PC — Personal computer (host)
PD — Paid
PDA — Pregnancy Discrimination Act
MLS — Multiple Listing Service
UR — Utilization Review
DC — Defined Contribution
GRIT — Grantor Retained Income Trust
RTF — Rich Text Format
RONA — Return On Net Assets
ICC — International Criminal Court
IRIN — Integrated Regional Information Networks
OPR — Other People's Resources
EOE — Equal Opportunity Employer
OTB — Open To Buy
IRS — U.S. Internal Revenue Service
LLLP — Limited Liability Limited Partnership

ITU — International Telecommunication Union
PERT — Program Evaluation and Review Technique
ALDEP — Automated Layout Design Programs
GIF — Guaranteed Investment Fund
TDI — Temporary Disability Insurance
CHR — Commission on Human Rights
GSA — U.S. General Services Administration
DOE — United States Department of Energy (government)
BSM — Black-Scholes-Merton
CDC — Center for Disease Control and Prevention
CPM — Certified Property Manager
GRP — Gross Rating Point
GRAT — Grantor Retained Annuity Trust
CME — Chicago Mercantile Exchange
TM — Trademark
IPCS — International Programme on Chemical Safety
UNA — United Nations Association
AAR — Average Annual Return
CMA — Certified Management Accountant
PRI — Primary Rate Interface (ISDN)
ROR — Return on Revenue
TRO — Temporary Restraining Order
CIMA — Chartered Institute of Management Accountants
CASB — Cost Accounting Standards Board
RO — Regional Office
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
DCR — Debt Coverage Ratio
MI — Mortgage Insurance
COS — Chief of Staff
COOP — Continuity of Operations
NIBCL — Non-interest bearing current liabilities
HR — Human Resource
NOC — Net Operating Capital
PY — Prior Year
EA — Enrolled Agent
BU — Bargaining Unit
POD — Payable on Death
CDL — Commercial Driver's License
CSHO — Compliance Safety and Health Officer
CAPM — Capital Asset Pricing Model
ATO — Asset Turnover
AIG — American International Group, Inc
SAR — Stock Appreciation Right
AMA — American Medical Association
BCC — Blind Copied
BCR — Benefit/Cost Ratio
FTD — Federal Tax Deposit
CAI — Computer Assisted Instruction
IDIT — Intentionally defective irrevocable trust
POP — Point Of Purchase

SOHO — Small Office Home Office
PFD — Preferred
FNA — Financial needs analysis
MLM — Multi-Level Marketing
STR — Software Test Report
OID — Original Issue Discount
FUBU — For Us By Us
PNP — Plug aNd Play
LWP — Leave With Pay
DBA — Data Base Administrator
NDA — Non-Disclosure Agreement
ROG — Receipt Of Goods
PLR — Private Letter Ruling
LOS — Length of Stay
AQL — Acceptable Quality Level
EPZ — Export Processing Zone
AGR — Adjusted Gross Revenue
MAD — Mean Absolute Deviation
ASB — Accounting Standards Board
TIPS — Treasury Inflation-Protected Securities
FTE — Full-Time Employee
NFIP — National Flood Insurance Program
PPI — Producer Price Index
IASC — Inter-Agency Standing Committee
TAN — Tax Anticipation Note
FRB — Federal Reserve Board
HQ — Headquarters (HDQ Preferred)
AO — Authorizing Official
EOM — End Of Month
IC — Internal Control
ACV — Actual Cash Value
DPP — Deferred Payment Plan
DDU — destination delivery unit
REPO — Repurchase Agreement
EE — Employee
ALEX — AUTOMATED LABOR EXCHANGE
WIP — Work in Process
CVP — Cost-Volume-Profit
IDA — International Development Association
GL — General Liability
NAM — National Association of Manufacturers
CMS — Content Management System
DCF — discounted cash flow rate
MLR — Medical Loss Ratio
ATCF — After Tax Cash Flow
AMTI — Alternative Minimum Taxable Income
SIC — Standard Industrial Classification (Code)
RTW — Return To Work
MACRS — Modified Accelerated Cost Recovery System (IRS)
GPO — Government Printing Office

HVAC — Heating, Ventilation, and Air Conditioning
FSS — Federal Supply Schedule
ATB — Across the Board
RAP — Regulatory Accounting Principles
RR — retention rate
OJT — On the Job Training
ASP — Application Service Provider
HR — HUMAN RESOURCES
ECA — Economic Commission for Africa
GA — General Agent
CIT — Corporate Income Tax
CMM — Capability Maturity Model
CRM — Client Relationship Management
QMCSO — Qualified Medical Child Support Order
IMO — International Maritime Organization
TAM — Television Audience Measurement
AD&D — Accidental Death and Dismemberment
DPA — Department of Political Affairs
GOV — Government Owned Vehicle
OMB — Office of Management and Budget (U.S.)
SMT — Senior Management Team
TCE — Tangible Common Equity
CAGR — Compounded Annual Growth Rate
ICJ — International Court of Justice
ASU — Accounting Standards Update
SRM — Supplier Relationship Management
BAT — Business Activity Tax
SBC — Southwestern Bell Corporation
TAM — Technical Advice Memorandum
PHP — PHP Hypertext Processor
CSF — Critical Success Factor
CA — Confidentiality Agreement
EPI — Expanded Programme on Immunization
ERISA — Employee Retirement Income Security Act
PHC — Personal Holding Company
LBB — Legislative Budget Board
FTC — Federal Trade Commission (U.S.)
AACU — American Association of Colleges and Universities
TCO — Total Cost of Ownership
PMI — Private Mortgage Insurance
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
AEI — American Enterprise Institute
CFO — Communication Filing Officer
FFY — Federal Fiscal Year
SBLC — Standby Letter of Credit
HDI — Human Development Index (UNDP yardstick of human welfare)
AICPA — L'American Institute of Certified Public Accountants
NTIS — National Technical Information Service Technology Administration
UNICEF — United Nations International Children's Emergency Fund
BAFO — Best and Final Offer

AOQL — Average Outgoing Quality Level
OJT — On-The-Job-Training
REC — Renewable Energy Certificate
JD — Juris Doctorate
ATR — Americans for Tax Reform
ERP — Estimated Retail Price
ESI — Electronically Stored Information
SB — Senate Bill
EOB — Explanation Of Benefits
SOP — Statement Of Position
EMS — Eastern Mountain Sports
SGA — Substantial Gainful Activity
WC — Working Capital
TIP — Transportation Improvement Program
OPM — Office of Personnel Management
PCI — Per Capita Income
NPW — Net Present Worth
REIT — Real Estate Investment Trust
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
HELOC — Home Equity Line of Credit
CIX — Commercial Internet Exchange
ROOA — Return on Operating Assets
CPI — Cost Performance Index
POC — Proof of Claim
UPS — United Parcel Service, Inc.
PRC — Peer Review Committee
TDA — Tax Deferred Annuity
SBO — Small Business Owner
CPR — Cardio-Pulmonary Resuscitation
NNN — Triple Net (Lease)
TDC — Total Direct Compensation
CPIC — Capital Planning and Investment Control
LC — Letter of Credit
CUPA — College and University Personnel Association
SOS — Sound On Sound
DUSH — Deputy Under Secretary for Health
MLR — Monthly Labor Review
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
BOS — Behavior Observation Scale
NOW — Negotiable Order of Withdrawal
FCC — Federal Communications Commission (US)
TVM — Time Value of Money
SOL — Statute of Limitations
ISO/MSP — Independent sales organization/Member service provider
SNA — System of National Accounts
CAE — Certified Association Executive
SAR — Suspicious Activity Report(ing)
LOB — Line-Of-Balance
ERS — Economic Research Service
DTI — Department of Trade and Industry (UK)

IIA — Institute of Internal Auditors
AFDA — Allowance for Doubtful Accounts
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
SEPA — Single Euro Payments Area
FASAC — Financial Accounting Standards Advisory Council
AED — United Arab Emirates Dirham
PILOT — Payment In Lieu Of Taxes
IBNR — Incurred But Not Reported
BHAG — Big Hairy Audacious Goal
AL — Assisted Living
OTS — Office of Thrift Supervision
NRI — Net Revenue Interest
ACC — Administrative Committee on Coordination
ART — Annual Renewable Term (life insurance)
GPI — Gross potential income
EGM — Extraordinary General Meeting
XHTML — Extensible Hypertext Markup Language
IRA — Individual Retirement Arrangement
FRV — Fair Rental Value
COD — Cancellation of Debt
EEPROM — Electric Erasable Programmable Read Only Memory
A/P — Accounts Payable
FCRA — Fair Credit Reporting Act
ADI — After Date of Invoice
LEPO — Low Exercise Price Option
OTCEI — Over the Counter Exchange of India (stock exchange)
AMT — Amount for Married Taxpayers
COLA — Cost of Living Adjustment (or Allowance)
BRI — Basic Rate Interface
BRIC — Brazil, Russia, India and China
IMAP — Internet Message Access Protocol
CESA — Coverdell education savings account
MPS — Marginal Propensity to Save
ILIT — Irrevocable Life Insurance Trust
NAB — Non-accrual basis
ADEA — Age Discrimination in Employment Act's
IME — Independent Medical Examination
CGA — Charitable Gift Annuity
IBR — Income-based repayment
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
ILAB — Bureau of International Labor Affairs
LCA — Labor Condition Application
DJIA — Dow Jones Industrial Average
IPTF — International Police Task Force
DOH — Days inventory On Hand
VA — Veterans Administration
WHA — World Health Assembly
POP — Premium Only Plan
DOL — United States Department of Labor
ELP — Electing large partnership

HFA — Housing Finance Agency
COGS — Cost of Goods Sold
UNAMIC — United Nations Advance Mission In Cambodia
BID — Business Improvement District
DOC — Doctor
DSO — Day Sales Outstanding
GAO — Government Accountability Office [formerly the General Accounting Office]
VC — Venture Capital
CGQ — Corporate Governance Quotient
DPI — Department of Public Information
CPA — Certified Public Accountant
IATA — International Air Transport Association
IANA — Internet Assigned Numbers Authority
UL — Universal Life
OSHA — Occupational Safety and Health Act (1970)
REI — Recreational Equipment, Inc.
HDML — Handheld Device Markup Language
JOA — joint operating agreement
UI — User Interface
AAA — authentication, authorization, and accounting
APV — Adjusted Present Value
BLM — Bureau of Land Management of United States Department of the Interior
DRP — Disaster Recovery Plan
UN — United Narions
BOO — Build Own Operate
MDGD — Management Development and Governance Division
ATP — Accredited Tax Preparer
MMDA — Money Market Deposit Account
CIO — Chief Investment Officer
BOMA — Building Owners and Managers Association
OA — Operating Assets
ASAE — American Society of Association Executives
MOH — Music On Hold
EXP — Export
IP — Intellectual Property
DM — Direct Mail
TCN — Third Country National
CASE — computer-automated software engineering
SBU — Strategic Business Units
EOU — Export Oriented Unit
ADEA — Age Discrimination and Employment Act
MAS — Multiple-Award Schedule
IM/IT — Information Management/Information Technology
CAFR — Comprehensive Annual Financial Report
ACC — Accounting Classification Code
DOL — Degree of Operating Leverage
SMA — Simple Moving Average
NQDC — Nonqualified deferred compensation
NFO — Net Financial Obligations
CICA — Competition in Contracting Act (1984)

CC — Civil Code
GIF — Graphic Interchange Format
UNCIP — United Nations Commission for India and Pakistan
ACASTD — Advisory Committee on the Application of Science and Technology to Development
MOM — Message Oriented Middleware
ETN — Exchange Traded Note
SOA — Service-Oriented Architecture
FASB — Financial Accounting Standards Board
SUTA — State Unemployment Tax Act
DCAP — Dependent Care Assistance Program
NAVPS — Net Asset Value Per Share
FRS — Federal Reserve System
FAK — Freight all kinds
WRKSHP — Workshop
HDR — Humanitarian Daily Ration
ROGFA — Return on Gross Fixed Assets
CCP — Certified Compensation Professional
SCM — Supply Chain Management
APY — Annual Percentage Yield
SE — Self Employed
EFT — Electronic Funds Transfer
SCORE — Service Corps Of Retired Executives
NCOA — National Change Of Address
UNMISET — United Nations Mission of Support in East Timor
FMLA — Family and Medical Leave Act
DKNY — Donna Karan New York
DW — Dislocated Worker
CFAT — Cash Flow After Taxes
UPU — Universal Postal Union
DTL — Deferred Tax Liability
AJB — America’s Job Bank
FSLMRA — Federal Service Labor-Management Relations Act
MVIC — Market Value of Invested Capital
NFE — Net Financial Expense
DUNS — Data Universal Numbering System
ATOI — After Tax Operating Income
LPA — Licensed Public Accountant
DOI — Date of Injury
CK — Calvin Klein
SS — Social Security
JPEG — Joint Photographic Experts Group (24-bit image storage format)
RBM — Roll Back Malaria
MRO — Maintenance, repair, and overhaul
RISC — Reduced Instruction Set Computer
UTD — Under Trust Dated
GSI — general salary increase
MSRP — Manufacturer's Suggested Retail Price
DAGMAR — Defining Advertising Goals for Measured Advertising Results
CNF — Cost, not freight
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)

ESOP — Employee Stock Ownership Plan
EVA — Economic Value Added
PM — Project Manager
A/R — Accounts Receivable
TCBY — The Country's Best Yogurt
SC — Securities Commission
MBDA — Minority Business Development Agency
FCFE — Free Cash Flow to Equity
ADJ — Adjust
AIDA — Attention, Interest, Desire, Action
ALJ — Administrative Law Judge
ECP — Emergency Conservation Program
ISA — International Seabed Authority
DBMS — Data Base Management System
CGS — Cost of Goods Sold
BOT — Balance of Trade
HUD — Department of Housing and Urban Development (U.S.)
SEA — Securities Exchange Act
TIL — Truth in Lending
ROCE — Return On Capital Employed
EOI — Evidence of Insurability
ESA — Coverdell education savings account
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
EIS — Environmental Impact Statement (US)
AX — Armani Exchange
NIH — NATIONAL INSTITUTE OF HEALTH
CROGI — Cash Return on Gross Investment
MLP — Minimum lease payments
CRT — Charitable Remainder Trust
CODASYL — Committee on Data Systems Languages
SERP — Supplemental Executive Retirement Plan
ABA — Accredited Business Accountant
IFRIC — International Financial Reporting Interpretations Committee
CORBA — Common Object Request Broker Architecture
REV. RUL. — Revenue Ruling
MUPLA — Model Uniform Products Liability Act
FHLB — Federal Home Loan Bank
LAR — Legislative Appropriations Request
PIC — Prior Informed Consent
CBIT — Comprehensive Business Income Tax
RP — Repurchase Agreement
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
CSO — Commissioners Standard Ordinary
COST — Council on State Taxation
OASDI — Old Age and Survivors Disability Insurance
ROW — Right-Of-Way
BIS — Bank of International Settlements
ADC — Acquisition, Development, and Construction
FS — Financial Statement
EOY — End-Of-Year

NL — No-Load
MTC — Multistate Tax Commission
CFE — Certified Financial Examiner
GED — General Equivalency Diploma
DFL — Degree of Financial Leverage
B2B — Business to Businesse
URO — Utilization Review Organization
ITARS — IT Acquisition Request System
EOI — Expression Of Interest
ST — Short-Term
SNE — Salaried Non-Exempt
UNHCR — United Nations High Commissioner for Refugees Program
ADP — Average Deferral Percent
MLP — Master Limited Partnership
CERD — Committee on the Elimination of Racial Discrimination
FP — Fixed Price
RIA — Registered Investment Advisor
PSC — Personal Service Corporation
CPG — Consumer Packaged Goods
A&H — Accident and health insurance
QTD — Quarter-to-Date
FSI — Free Standing Insert
IAP — Initial advance payment
SFH — Single Family Home
CMO — Chief Marketing Officer
DOLETA — Department of Labor Employment and Training Administration
SDB — Small Disadvantaged Business
TTM — Trailing Twelve Months
ITF — In Trust For
NSX — National Stock Exchange
D/O — Delivery Order
TIN — Taxpayer Identification Number
RTO — Reverse Take-Over
BDC — Business Development Center
NLRA — National Labor Relations Act
CFA — Chartered Financial Analyst
NSA — National Society of Accountants
SIAP — Statistical Institute for Asia and the Pacific
ATA — Accredited Tax Advisor
ROS — Return on Sales
REV. PROC. — Revenue Procedure
WT — Warrant
JOLTS — Job Openings and Labor Turnover Survey
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
OCF — Operating Cash Flow
AA — Author Alteration
ECM — Excess cash margin
POS — Point of Service Plan
VSNL — Videsh Sanchar Nigam Limited
POQ — Periodic Order Quantity

ROA — Return on assets
M/M — Month-over-month
EISA — Extended Industry Standard Architecture
LTIP — Long-Term Incentive Plan
NCUSIF — National Credit Union Share Insurance Fund
A/E — Architect/Engineer
PDQ — Position Description Questionnaire
CTV — Capital Timber Value
CGMA — Chartered Global Management Accountant
EIN — Employer Identification Number
CIC — Consumer Information Center
SEO — Search Engine Optimizer
DHL — Dag Hammarskjöld Library
NASDAQ — National Association for Security Dealers and Automatic Quotation
W/C — Working Capital
CHRO — Chief Human Resource Officer
PE — Price-earnings ratio
EPS — Earnings per share
VDT — Video Display Terminal
PLM — Product Lifecycle Management
LF — Labor Force
CFIUS — Committee on Foreign Investment in United States
AA — Adverse Action
FWT — Federal Withholding Tax
DPO — Days payables outstanding
AAAA — American Association of Advertising Agencies
SA — Seasonally Adjusted
FAO — Food and Agriculture Organization of the United Nations
MIME — Multipurpose Internet Mail Extension
OB — Office of Budget
LTL — Less Than Truckload Lot
CMBS — Commercial mortgage-backed securities
PR — Public Relations
GPM — Graduated Payment Mortgage
ASG — Assistant Secretary General
CPA — Comprehensive Plan of Action
FFIEC — Federal Financial Institutions Examination Council
KSAO — Knowledge, Skills, Abilities and Other
BOOT — Build Own Operate Transfer
CODA — Cash or Deferred Arrangement (401K)
NMS — Normal Market Size
TPD — Temporary Partial Disability
QAI — Quality Assurance International
ECI — Employment Cost Index
WMO — World Meteorological Organization (ICSU)
CUM PFD — Cumulative preferred
BBDO — Batten, Barton, Durstine & Osborn
B&P — Bid & Proposal
UNICRI — United Nations Interregional Crime and Justice Research Institute
GE — General Electric American Communications Inc.

CPSC — Consumer Products Safety Commission
NRE — Net realizable equity
B2C — Business to Consumer
ABCP — Asset Backed Commerical Paper
CIMC — Certified Investment Management Consultant
MRD — Minimum Required Distribution
AGC — Associated General Contractors of America
FICA — Federal Insurance Contribution Act
C-TPAT — Customs-Trade Industry Against Terrorism
AMPS — Auction Market Preferred Stock
DRTV — Direct Response Television
FFO — Funds from operations
RIC — Regulated Investment Company
SOC — Standard Occupational Classification
ECOA — E-Mail Change of Address
ERTA — Economic Recovery Tax Act
A/E — Accured expense
ABP — Average Benefit Percentage
NSA — Not Seasonally Adjusted
EITC — Earned Income Tax Credit
CC — Capital Contribution
ECP — Engineering Change Proposals
TPL — Third-Party Liability
ROS — Run Of Schedule
OAS — Option Adjusted Spread
HR&A — Human Resources and Administration
PSA — Public Service Announcement (radio/TV Term)
PERL — Practical Extraction and Report Language
NFA — Net Financial Assets
USG — Under Secretary General
PCCM — Percentage-of-completion/capitalized cost method
B.A. — Bachelor of Arts
PCFRC — Private Company Financial Reporting Committee
SNF — Skilled Nursing Facility
MCI — Microwave Communications Incorporated
ROP — Run of Press
PTE — Pass-Through Entity
MER — Management Expense Ratio
AIA — American Institute of Architecture
SSA — Social Security Administration
SSB — Securities Supervisory Board
MC — Market Capitalization
ECOWAS — Economic Community of West African States
AFTP — Anonymous File Transfer Protocol
OE — Operating Expense
ACP — Actual deferral percentage
GST — Goods and Services Taxation
MLS — Mass Layoff Statistics
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
RSI — Relative Strength Indicator

SAR — Summary Annual Report
CMMI — Capability Maturity Model Integrated
LYON — Liquid Yield Option Note
MANOVA — Multivariate Analysis of Variance
ECOSOC — Economic and Social Council of the United Nations
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
BOT — Board of Trustees
INSARAG — International Search and Rescue Advisory Group
NAFTA — North American Free Trade Agreement
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
PBO — Projected Benefit Obligation
GICS — Global Industry Classification Standards
FMV — Fair Market Value
UTMA — Uniform Transfers to Minors Act
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
WTO — World Trade Organisation
PIK — Payment in Kind
ALC — Alien Labor Certification
SESA — State Employment Security Agency
WIPO — World Intellectual Property Organization
NAICS — North American Industry Classification System
SEC — Securities and Exchange Commission (US)
STP — Software Test Plan
SEPG — Software Engineering Process Group
COI — Conflict Of Interest
FCF — Free Cash Flow
ICANN — Internet Corporation for Assigned Names and Numbers
LFY — Last Fiscal Year
PTO — Paid Time Off
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
DCPP — Defined Contribution Pension Plan
ICPD — International Conference on Population and Development
DINKS — Dual Income, No Kids
UNISPAL — United Nations Information System on the question of Palestine
CAD — Cash Available for Distribution
AR — Accounts Receivable
OSG — Office of the Secretary-General
PITI — Principal, Interest, Taxes, and Insurance
TEV — Total Enterprise Value
MBTI — Myers-Briggs Type Indicator
BRE — Business Reply Envelope
SBLI — Savings Bank Life Insurance
LOS — Law Of The Sea
NOI — Net Operating Income
ROA — Regional Office for Africa
AAG — Audit and accounting guides
BPM — Business Performance Management
ATB — Accountants Trial Balance
IMRB — Indian Market Research Bureau
DBT — Days Beyond Terms

SIB — Securities and Investment Board
ECF — Extended Care Facility
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
ROTA — Return On Total Assets
TSR — Terminate and Stay Resident [software program]
IDA — Industrial Development Authority
GAAP — Generally Accepted Accounting Principles
NAR — National Association of Realtors
ABV — Accredited in Business Valuation
SIPC — Securities Investor Protection Corporation
UNDOF — United Nations Disengagement Observer Force
PW — present worth
WAP — Wireless Application Protocol
MRPS — Mandatorily redeemable preferred stock
FERC — Federal Energy Regulatory Commission (U.S.)
C&B — Compensation and Benefits
WRA — Weighted Risk Assets
CDI — Category Development Index
HECM — Home Equity Conversion Mortgage
FOM — Field Operations Manual
CBOT — Chicago Board of Trade
CE&O — Customer education and outreach
ABMS — Activities Based Management System
ITMP — Information Technology Management Program
FNMA — Federal National Mortgage Association
LWO — Leave without pay
T&C — Terms & Conditions
NAAS — Network as a Service
AFR — Applicable Federal Rate
AAPC — Accounting and Auditing Policy Committee
FHLMC — Federal Home Loan Mortgage Corporation, United States
ECOA — Equal Credit Opportunity Act
LCM — Lower of Cost or Market
TSR — Tactical Studies Rules
DIC — Document Identifier Code
CRUT — Charitable Remainder Unitrust
DIP — Debtor In Possession
GNMA — Government National Mortgage Association
CFS — Container Freight Station
ZEN — Zero Effort Network
ECB — European Central Bank
APR — Annual Percentage Rate
LT — Lead Time
PM — Performance Management
DSPP — Direct Stock Purchase Plan
BBB — Better Business Bureau's
CUM — Cumulative
DAPT — Domestic Asset Protection Trust
XBRL — Extensible Business Reporting Language
CEPS — Cash Earnings Per Share

RFPA — Right to Financial Privacy Act of 1978
CMYK — Cyan, Magenta, Yellow, Black
TTD — Temporary Total Disability
L/C — Letter of Credit
BPD — barrels per day
ITBAT — IT Budget Analysis Team
IRDA — Insurance Regulatory Development Authority
CSO — Central Statistical Organisation
CFTC — Commodity Futures Trading Commission
T&D — Training and Development
CIF — Cost, Insurance, and Freight (Paid) (shipping)
CEDAW — Committee on the Elimination of Discrimination against Women
USF — Usable Square Feet
BOC — Budget Object Code
FHA — Federal Housing Administration
FSLIC — Federal Savings & Loan Insurance Corporation
PUD — Planned Unit Development
ABF — Asset-Based Financing
EBSA — Employee Benefits Security Administration
FACHE — Fellow in American College of Healthcare Executives
DCAP — Dependent Care Assistance Plan
SIV — Structured Investment Vehicle
ESO — Employee Stock Option
PVGO — Present Value of Growth Opportunities
PHR — Professional in Human Resources Certification
CFA — Committee on Food Aid Policies and Programmes
OER — Operation Expense Ratio
DIO — Days Inventory Outstanding
EIC — Earned Income Credit
STAR — Satellite Television Asian Region, Ltd.
VA — Veterans Affairs
IFAD — International Fund for Agricultural Development (UN)
VSOE — Vendor-Specific Objective Evidence
ITIL — Information Technology Infrastructure Library
PBGC — Pension Benefit Guaranty Corporation
GIM — Gross Income Multiplier
LSE — London Stock Exchange
BTT — Business Transfer Tax
EPPA — Employee Polygraph Protection Act
SRA — Supplemental Retirement Annuity
CGT — Capital Gains Tax
CISSP — Certified Information Systems Security Professional
ADR — Asset Depreciation Range (finance)
JEC — Joint Economic Committee
ACFE — Advisory Committee on Forestry Education
TRA — Tax Reform Act
NOL — Net Operating Loss
PAAS — Platform-as-a-Service
CLAT — Charitable Lead Annuity Trust
NSA — National Safety Associates

AFICS — Association of Former International Civil Servants
UNCC — United Nations Compensation Commission
NSF — Not Sufficient Funds
BCP — Business Continuity Plan
FRA — Full Retirement Age
CETA — Comprehensive Employment and Training Act of 1975
BOA — Basic Ordering Agreement
CICP — Centre for International Crime Prevention
RESPA — Real Estate Settlement Procedures Act
BOD — Board of Directors (Budget)
NACUBO — National Association of College & University Business Organizations
CUSIP — The Committee Of Uniform Security Identification Procedures
HFS — Hold for sale
FMCS — Federal Mediation and Conciliation Service
SEM — Shared-Equity Mortgage
DRO — Domestic Relations Order
DVA — Debt value adjustment
PEO — Professional Employer Organization
BRC — Business Reply Card
SDI — State Disability Insurance
CAM — Common Area Maintenance (charges related to commercial leases)
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
SCA — Service Contract Act
UNIIMOG — United Nations Iran-Iraq Military Observer Group
NDNH — National Directory of New Hires
CI — Contract Item
AFP — Association for Financial Professionals
ACP — Average Contribution Percentage
ESOP — Employee Stock Option Plan
TRUPS — Trust Preferred Securities
ALTA — American Land Title Transfer
EVM — Earned Value Management
DFEH — Department of Fair Employment and Housing's
WI — Working Interest
OHCHR — Office of the United Nations High Commissioner for Human Rights
YOY — Year-over-year
CSA — Cost Sharing Arrangement
CIP — Capital Investment Proposal
AGT — Agent
OIOS — Office of Internal Oversight Services
ROAE — Return on Assets Employed
VIE — Variable Interest Entity
ICSAB — International Civil Service Advisory Board
OASDHI — Old Age, Survivors, Disability, and Health Insurance
FPML — Financial Products Markup Language
IASC — International Accounting Standards Committee
CFP — Certified Financial PlannerTM
FUTA — Federal Unemployment Tax Act
PVFC — Prepaid variable forward contract
IBEW — International Brotherhood of Electrical Workers

S&P — Standard & Poor's
FECA — Federal Employer’s Compensation Act
SSD — Social Security Disability
NVI — Negative Volume Index
PEG — Price to Earnings Growth
PHI — Protected Health Information
ISSA — International Securities Services Association
UNCCD — United Nations Convention to Combat Desertification
WIP — Work In Progress (process)
EBRI — Employee Benefit Research Institute
CB — Carryback
FIE — Foreign-Invested Enterprise
BDI — Brand Development Index
SS — Safety Stock
BONUCA — United Nations Peace-Building Office in the Central African Republic
RTW — Right to Work
STTR — Small Business Technology Transfer
CBCMC — Clinical Bar Code Multidisciplinary Committee
OCC — Office of the Comptroller of the Currency
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
LEC — Local Exchange Carrier
NCSA — National Center for Supercomputing Applications
UNHCHR — United Nations High Commissioner for Human Rights
EFW — Electronic Funds Withdrawal
WPI — Wholesale Price Index
MRQ — Most Recent Quarter
CF — Cash Flow
LT — Long Terme
TAMRA — Technical and Miscellaneous Revenue Act of 1988
CLUT — Charitable Lead Unitrust
UCI — Unemployment Compensation Insurance
FCCPA — Federal Consumer Credit Protection Act of 1968
GIC — Guaranteed Investment Contract
CMA — Certified Management Accountant
ECOMOG — Economic Community of West African States' Monitoring Observer Group
DB — Defined Benefit (retirement Plan; For Example, A Pension)
FRF — Financial Reporting Framework
BOI — Business Object Interface
FCA — Farm Credit Administration
ASEAN — Association of South East Asian Nations
IAM — Identity and Access Management
LTO — Long-Term Option
HAFA — Home Affordable Foreclosure Alternative program
IASB — International Accounting Standards Board
BTCF — Before Tax Cash Flow
UNCSW — United Nations Commission on the Status of Women
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
EPCM — Exempt-contract, percentage-of-completion method
GAO — Government Accounting Office
DCAA — (U.S.) Defense Contract Audit Agency

PGI — Potential Gross Income
GPO — Guaranteed Purchase Option
CPLTD — Current portion of long-term debt
CEMP — Comprehensive Emergency Management Program
AMTFTC — Alternative minimum tax foreign tax credit
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
NCUA — National Credit Union Administration
PERAB — President's Economic Recovery Advisory Board
ISO — Incentive Stock Option
QSF — Qualified Settlement Fund
SEP — Simplified Employee Pension
PPE — Property, Plant and Equipment
ROU — Right of Use
HCM — Human Capital Management
SPD — Summary Plan Description
ALV — Average Lease Value (Cars)
CCL — Center for Creative Leadership
LTD — Limited
EGI — Effective Gross Income
ATO — Administrative Time Off
RR — Revenue Ruling
FACCT — Foundation for Accountability
PBT — Profit Before Tax
INA — Immigration and Naturalization Act
BIA — Business Impact Analysis
CRC — Committee on the Rights of the Child
MTL — Multi-Level Marketing
TWA — Time Weighted Averages
DESIPA — Department for Economic and Social Information and Policy Analysis
NFFE — Nonfinancial foreign entity
BAT — Budget Advisory Team
MBS — mortgage backed security
C2C — Customer to Customer
RCN — Replacement Cost New
AFC — Average fixed costs
MSA — Merit Salary Adjustment
DDSN — Demand-driven supply networks
CADR — Cash available for distribution before debt reduction
UNVFVT — United Nations Voluntary Fund for Victims of Torture
ACV — Account Current Value
ASTD — American Society for Training and Development
COHRS — Central Office Human Resources Service
CVLI — Cash Value Life Insurance
CCI — Consumer Confidence Index
IFC — International Finance Corporation
NNN — Net Net Net
ATB — Adjusted Trial Balance
MLD — Market-linked deposit
YRT — Yearly Renewable Term
CLA — Cross-Licensing Agreement

BML — Bean Markup Language
ADS — Alternative Depreciation System
SLOB — Separate Line of Business
VAO — Virtual Acquisition Office
MTB — Motor transportation broker
HHS — Health and Human Services Department
RWA — Risk Weighted Asset
VISN — Veterans Integrated Service Network
CAT — Commercial Activity Tax
UNCCP — United Nations Conciliation Commission for Palestine
ESL — English as a second language
UPE — Unreimbursed Partnership Expenses
PDA — Payday Advance Loan
QJSA — Qualified Joint and Survivor Annuity
UNCIVPOL — United Nations Civilian Police
GTL — Group Term Life Insurance.
DAF — Donor Advised Fund
ACW — African Centre for Women
NABA — National Association of Black Accountants, Inc.
OP — Order Point
POP — Public Offering Price
ALBM — Automated Lending and Borrowing Mechanism
SHRM — Society for Human Resource Management's
CEA — Commodity Exchange Authority
SB/SDB — Small Business/Small Disadvantaged Business
DBO — Death Benefit Only
RO/RL — Rool on/roll off
RSA — Rivest-Shamir-Adleman
FEA — Fair Employment Act
AET — Accumulated Earnings Tax
FITW — Federal Income Tax Withholding
SMSA — Standard Metropolitan Statistical Area
NPA — Non-Performing Assets
CHL — Customs house license
UNCED — United Nations Conference on Environment and Development
HP — Hewlett Packard's
CSCS — Computer Software Components
AD & D — Accidental Death and Dismemberment
FVO — Fair Value Option
F2F — Face-to-Face Meeting
PING — Pocket Internet Gopher
ROFR — Right of First Refusal (finance)
HRM — Human Resource Management
CPDO — Constant Proportion Debt Obligation
PCAOB — Public Company Accounting Oversight Board
HDAPT — Hybrid domestic asset protection trust
CEBS — Certified Employee Benefits Specialist
HPI — Human Poverty Index
RAN — Revenue Anticipation Note
PTP — Publicly Traded Partnership

DMFAS — Debt Management and Financial Analysis System
SMLLC — Single Member Limited Liability Company
CEA — Chief Enterprise Architect
LTI — Long-term incentive
ABLOS — Advisory Board on the Law of the Sea
ICGFI — International Consultative Group on Food Irradiation
ECAB — Employee's Compensation Appeals Board
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
DOT — Dictionary of Occupational Titles
UDITPA — Uniform Division of Income for Tax Purposes Act
FMR — Fair Market Rental
WRLDWD — Worldwide
F/K/A — Formally known as
MTTR — Mean Time To Recovery
REA — Return on assets
CPHR — California Professional in Human Resources Certification
VOPAN — Voice Pitch Analysis
CDFI — Community Development Financial Institution
ICTY — International Criminal Tribunal for the Former Yugoslavia
FCB — Foote Cone & Belding
TRASOP — Tax Reduction Act ESOP
UNCT — United Nations Country Team
VSOP — Very Special Old Pale
ISO — International Standard Organisation
CO — Compliance Officer
ADI — Area of Dominant Influence
ADP — Applicable Distribution Period
EDI — Electronic Date Interchange
HCTC — Health Coverage Tax Credit
BRICS — Brazil, Russia, India, China and South Africa
ASPPA — American Society of Pension Professionals & Actuaries
ROC — Rate of Change
AIME — Average Index Monthly Earnings
TSP — Thrift Savings Plan
ESA — Employment Standards Administration
SWOT — Strengths, Weaknesses, Opportunities and Threats
VWAP — Value Weighted Average Price
HC — Humanitarian Coordinator
SSI — Supplemental Security Income
CMSA — Consolidated Metropolitan Statistical Area
CNS — Continuous Net Settlement
AAGR — Annual average growth rate
WFC — World Food Council
AFB — American Farm Bureau, Inc.
FICCI — Federation of Indian Chamber of Commerce and Industry
NRI — Net Rising Index
LR — Labor Relations
SAT — Scholastic Aptitude Test
HROD — Human Resources and Organizational Development
VAT — Value-added taxes

FIA — Federal Insurance Administration
ZBB — Zero-based budgeting
ATU — Annual Tax Unit
DOM — Distributed Order Management
IAG — International Auditing Guidelines
UNCDF — United Nations Capital Development Fund
EMV — Europay, Master Card and Visa
AFN — Additional Funds Needed
OCHA — Office for the Coordination of Humanitarian Affairs
IRP — Industry Risk Premium
PAM — Pledged Account Mortgage
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
A&S — Accident and sickness insurance
CIA — Certified Internal Auditor (US)
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
QBU — Qualified Business Unit
SARSEP — Salary Reduction Simplified Employee Pension Plan
ITSM — Information Technology Service Management
QME — Qualified Medical Examiner
LDI — Liability Driven Investment
CFOC — Chief Financial Officers Council
JTPA — Job Training Partnership Act
NCCUSL — National Conference of Commissioners on Uniform State Laws
SPE — Special Purpose Entity
AATF — Airport and Airway Trust Fund
UNCHS — United Nations Centre for Human Settlements
ESS — Employee Self-Service System
P&G — Proctor and Gamble
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
VHA — Veterans Health Administration's
HRD — Human Resource Development
CEBS — Certified Employee Benefit Specialist
0DSAC — 90 days, same as cash
SAAR — Seasonally Adjusted Annual Rate
TESSA — Tax-Exempt Special Savings Account
UNEF — United Nations Emergency Force
BPC — Business Planning Cycle
F&F — Furniture & Fixtures
IOS — International Organization for Standards
ICQ — Internal Control Questionnaire
CCPOQ — Consultative Committee on Programme and Operational Questions
GR — General Revenue
ACABQ — Advisory Committee on Administrative and Budgetary Questions
NIOSH — National Institute of Occupational Safety and Health's
FAME — Facilities Maintenance Engineering
CLU — Chartered Life Underwriter
SSVS — Statement on Standards for Valuation Services
BCFD — Billion Cubic Feet per Day
CFM — Construction Facility Management
QPRT — Qualified Personal Residence Trust

AFTS — Automatic Funds Transfer Services
(X) — Export
CPFFC — Cost-plus-fixed-fee contract
QSPE — Qualified special purpose entity
REMIC — Real Estate Mortgage Investment Conduit
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
RJP — Realistic Job Preview
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
AML — Adjustable Mortgage Loan
HSBC — Household Bank Corporation
EAR — Export Administration Regulations
VWAP — Volume-weighted average price
UNPD — United Nations Population Division
TC — Trusteeship Council (UN)
ACRB — Architectural Change and Review Board
PCE — Personal consumption expenditure; personal consumption expenditure deflator
SDVOSB — Service-Disabled Veteran-Owned Small Business
C&I — Commercial and industrial customers (Electricity transmission)
OD — Organizational Development
ERM — Enterprise Resource Management
WRAEA — Workforce Reinvestment and Adult Education Act
EPROM — Electrically Programmable Read Only Memory
NAC — National Acquisition Center
KSA — Knowledge, Skills, Abilities
INS — Immigration & Naturalization Service
INC. — Incorporated
SSUTA — Streamlined Sales and Use Tax Agreement
PE — Price to Earnings Ratio
VUL — Variable Universal Life
NNTP — Network News Transport Protocol (ATM)
UTLZTN — Utilization
MSER — Multi-state Employer Registration
VXML — Voice eXtensible Markup Language
USRPHC — U.S. real property hodling corporation
WIDER — United Nations University World Institute for Development Economics Research
CAPS — Convertible Adjustable Preferred Stock
ADP — Attention Dial Pulse
HC — human capital
COSO — Committee of Sponsoring Organizations
UNDAF — United Nations Development Assistance Framework
NFTC — National Foreign Trade Council, Inc.
CBL — Common Business Language
PSI — Performance Salary Increase
GRID — Global Resource Information Database (UNEP)
UIC — Unemployment Insurance Commission (Canada, archaic)
IRMAA — Income Related Medicare Adjustment Amount
CPP — Cost Per rating Point
WCEFA — World Conference on Education for All
UNZAP — United Nations Zambia Assistance Programme
TAB — Tax Anticipation Bill

FEI — Financial Executives Institute
NRMLA — National Reverse Mortgage Lenders Association
FOK — Fill-or-kill order
LHWCA — Longshore and Harbor Worker’s Compensation Act
Y/Y — Year-over-year
ABC — Audit Bureau of Circulations Inc.
TIF — Tax Increment Financing
YAHOO — You Are Hazy Over Oranges
ICSC — International Civil Service Commission
OSSG — Office of the Spokesman for the Secretary-General
NRD — Normal Retirement Date
ECM — Enterprise Content Management
ITAC — Information Technology Advisory Committee
MCC — Mortgage Credit Certificate
BPO — Bargain Purchase Option
I-9 — I-9 Form
DMB&B — D'arcy Masius Benton & Bowles
AFE — Average Funds Employed
MBE — Mortgage banking enterprise
ILC — International Law Commission
SMM — Summary of material modifications
IAS — International Accounting Standards
COLI — Cost of Living Index
B&O — Business and Occupation
ACFR — Advisory Committee on Fishery Research
VEBA — Voluntary Employees' Beneficiary Association
UCR — Usual, Customary and Reasonable Fees
CSO — Chief Security Officer
WPP — Wire and Plastic Products
WTW — Welfare-to-Work
AMCD — Audit and Management Consulting Division
SME — Small- to medium-sized entities
UC — Unemployment Compensation
UNCTAD — United Nations Conference on Trade and Development
NAIC — National Association of Insurance Commissioners
TSA — Tax-sheltered annuity
LAIA — Latin American Integration Association
NMFC — National Motor Freight Classification
MSP — Managed Service Provider
CIPP/G — Certified Information Privacy Professional/Government
UNOMIL — United Nations Observer Mission In Liberia
HWRP — Hydrology and Water Resources Programme
SMA — Separately Managed Account
PRP — Preferred Risk Policy
DNAMTI — Distributable Net Alternative Minimum Taxable Income
NACM — National Association of Credit Management
DPSP — Deferred Profit Sharing Plan
DVOP — Disabled Veterans Outreach Program
COE — Certificate of Eligibility
SCM — Supply Chain Management

ILO — International Labor Organization (UN)
M&A — Merger & Acquisition
OLA — Office of Legal Affairs
BSNL — Bharath Sanchar Nigam Limited
OTB — Off-Track Betting
CSUM — Common Security User Manager
ICM — Incentive Compensation Management
ETC — Estimate To Completion
CCPA — Consumer Credit Protection Act
CRAFT — Computerised Relative Allocation of Facilities Techniques
ADAS — Associate Deputy Assistant Secretary
DII — Days in Inventory
CIK — Central index keys
FAS — Financial Accounting Standards
HRA — Health Reimbursement Account
GPHR — Global Professional in Human Resources
SDD — Software Design and Development
BET — Business entity tax
IETC — International Environmental Technology Centre
AE — Actual Expense
ZAW — Zero Administration for Windows
UNOMIG — United Nations Observer Mission In Georgia
MMC — Money market certificate of deposit
GASB — Governmental Accounting Standards Board
CHRC — Canadian Human Rights Commission
USRPI — U.S. real property interest
APB — Accounting Principles Board's
AUI — Auxiliary Unit Interface
MAGI — Modified Adjusted Gross Income
DWC — Days working capital
EAPA — Employee Assistance Professionals Association, Inc
SFOR — Stabilization Force
AC — Acceleration Clause
SITC — Standard International Trade Classification
TBC — To Be Contested
SEPED — Social Development and Poverty Elimination Division
OOB — OOS out of business
CSV — Cash Surrender Value
BRM — Business Reference Model
QNEC — Qualified nonelective contributions
ERM — Enterprise Risk Management
MEWA — Multiple Employer Welfare Arrangement
OR — Operations research
SBRB — Small Business Research Board
UNSO — United Nations Sudano-Sahelian Office
LCL — Less than Carload Lot
BRD — Business Requirements Documentation
3COM — Computer, Communications and Compatibility
COFI — Cost of Funds Index
UNRISD — United Nations Research Institute for Social Development

IAB — Internet Advertising Bureau
EDA — Economically Depressed Area
ROC — Return on Capital
CGL — Comprehensive General Liability
KYC — Know-your-customer
CFIA — Competency Framework for Internal Auditing
A/S — Account sales
ESOT — employee stock ownership trust
FCCC — For the Framework Convention on Climate Change
CEU — Continuing Education Unit
SRSG — Special Representative of the Secretary-General
ITSD — Information Technology Services Division
CBFA — Committee on Budget, Finance and Administration
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
MST — Marketable Securities Tax
BAA — Business Associate Agreement
CSEMO — Corporate Senior Executive Management Office
PTA — Preferential Trade Arrangement
GLA — Gross Leaseable Area
NAPAT — National Association for Private Annuity Trusts
PMV — Private Market Value
CEOSH — Center for Engineering & Occupational Safety and Health
COL — Cost Of Living
GSTP — Global System of Trade Preferences
CEA — Council of Economic Advisors
SBAP — Small Business Assistance Program
NRF — National Retail Federation
UNCITRAL — United Nations Commission On International Trade Law
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
PM — Profit Margin
QR — Quality Review
AWW — average weekly wage
SDNP — Sustainable Development Networking Programme
CPE — Continuing Professional Educational
IDNDR — International Decade for Natural Disaster Reduction
CFC — Court of Federal Claims
LEAF — Logistics, Engineering, Acquisition, and Finance
UNOMSA — United Nations Observer Mission in South Africa
OCBOA — Other Comprehensive Basis of Accounting
TVI — Trade Value Index
BPO — Business Process Optimization
MLA — Minimum Liquid Assets
STF — Summary Tape File
FLP — Family Limited Partnership
SSBIC — Specialized Small Business Investment Company
L/V — Loan-to-value ratio
OCR — Overall Capitalization Rate
GAGAS — Generally Accepted Government Accounting Standards
FMRR — Financial Management Rate of Return
MP3 — Moving Pictures Experts Group 1 Audio Layer 3

UNIFIL — United Nations Interim Force In Lebanon
NDA — Nondisclosure Agreement
HCA — head of contracting activity; humanitarian and civic assistance
GSR — General Securities Representative
IAF — Inflation Adjustment Factor
GEF — Global Environmental Facility (environment)
UNIPTF — United Nations International Police Task Force
FACT — Fair and Accurate Credit Transactions Act of 2003
PTAC — Procurement Technical Assistance Center
DAN — Depositor Account Number
QWL — Quality of Work Life
ZEBRA — Zero-balance reimbursement account
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
UNAMIR — United Nations Assistance Mission for Rwanda
CBI — Compliance and Business Integrity
BAT — Business Action Theory
UNOSOM — United Nations Operation in Somalia
EMP — Environmental Planning and Management
D&B — Dun & Bradstreet
FBAR — Foreign Bank & Financial Account
ALBCC — Account Level Budget Cost Center
ADP — Automatic Data Processor
PIPE — Public investment in private equity
RFM — Rcency, Frequency, Monetary Analysis
NCCI — National Council on Compensation Insurance
RFA — Regulatory Flexibility Act (US)
S&L — Savings and Loan
DAW — Division for the Advancement of Women
TOD — Transfer on death
DUS — Dollar Unit Sampling
LTA — Long-Term Agreement
LEI — Leading Economic Indicators
UNCRD — United Nations Centre for Regional Development
FASAC — Financial Accounting Standards Advisory Committee
TRNSFR — Transfer
IDS — Income Deposit Securities
UNDHL — United Nations Dag Hammarskjölds Library
ITS — Intermarket Trading System
HRIS — Human Resource Information System
HRIS — Human Resources Information System
CPC — Committee for Programme and Coordination
UNITAR — United Nations Institute for Training and Research
IEC — Inter Exchange Carrier
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
ESAF — Enhanced Structural Adjustment Facility
PIM — Product Information Management
GTOS — Global Terrestrial Observing System
BDI — Behavioral Description Interview
SWT — State witholding tax
DTCC — Depository Trust & Clearing Corp

WRC — World Radiocommunication Conference
FRS — Functional Requirements Specifications
INSTRAW — International Research and Training Institute for the Advancement of Women
SHD — Sustainable Human Development
EMIF — Emerging Issues Task Force
SBD — Small Disadvantaged Business
HRA — Health Reimbursement Arrangement
SMI — Supplemental Medical Insurance (US Medicare Part B)
VOCC — Vessel Operating Common Carriers
CODI — Cancellation of Debt Income
UCR — Usual, customary, and reasonable
FASIT — Financial asset securitization investment trusts
CSA — Capital Support Agreements
MCC — Merchant category codes
ITLO — Information Technology Logistics Office
GAAC — Government Accounting and Auditing Committee
DSPE — Deputy Senior Procurement Executive Known
OER — Owner's equivalent rent
SOV — Share Of Voice
FMOC — Federal Open Market Committee
OL — Operating Liabilities
DOCO — Development Operations Coordination Office
MOTO — Mail order-telephone order
NAVA — National Association for Variable Annuities
ISM — Interactive Studio Management
WAI — Wealth Added Index
FMC — Federal Maritime Commission's
EAC — Employee Advisory Committee
HCSA — Health Care Spending Account
STD — Short-term disability
IHRIM — International Association of Human Resource Information Management
IFEBP — International Foundation of Employee Benefit Plans
CAPP — Cash Account Pension Plan
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
CSPN — College Savings Plan Network
ICRA — Investment Information and Credit Rating Agency
USAA — United Services Automobile Association's
AGGG — Advisory Group on Greenhouse Gases
PT — Part-Time
SAS — Statement of Accounting Standards
UNFCCC — United Nations Framework Convention on Climate Change
DFI — Derivative Financial Instrument
TTL — Total Linhas Aéreas
CNC — Currently Not Collectible
C&D — Cease and Desist
CCSQ — Consultative Committee on Substantive Questions
IMR — Information Management Research
MHAEA — Mental Health and Addiction Equity Act
GEENET — Global Environmental Epidemiology Network
EPTA — Expanded Programme of Technical Assistance

SSDI — Social Security Disability Insurance
ECN — Electronic Communications Network
UTC — Uniform Trust Code
EBO — Employee Buyout
LCC — Life Cycle Cost
UNTMIH — United Nations Transitional Mission in Haiti
AIC — Architecture and Infrastructure Committee
TEA — Technology-enabled auditing
EOLI — Employer owned life insurance
ABS — Asset Based Securitization
UNOMUR — United Nations Observer Mission Uganda-Rwanda
UNTAC — United Nations Transitional Authority in Cambodia
IEFR — International Emergency Food Reserve
FAAS — Financial Assurance and Accountability Standards
OR — Operating revenue
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
PJ — Purchases journal
PFR — Portable Font Resource
CPCU — Chartered property and casualty underwriter
SECA — Self-Employment Contributions Act
F&C — Free and Clear
RMBS — Residential mortgage backed securities
PPA — Pension Protection Act of 1987
INCB — International Narcotics Control Board
IGE — Intergovernmental Group of Experts
OSBDU — Office of Small and Disadvantaged Business Utilization
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
CEA — Certificate of Educational Achievement
FEIN — Federal Employment Identification Number
UNJSPF — United Nations Joint Staff Pension Fund
ACII — American Association of Individual Investors
A&I — Accident and Indemnity
CE — Continuing Education
C&A — Certification & Authority
ASCI — Advertising & Standards Council of India
OI&T — Office of Information and Technology
GMIB — Guaranteed Minimum Income Benefit
MOF — Ministry Of Finance
SBBA — Sales and Buy-Back Agreement
TALF — Term Asset-Backed Securities Loan Facility
OGC — Office of the General Counsel
CPO — Chief of Purchasing Office
DIT — Deposit in Transit
SPAC — Special-purpose acquisition company
D/L — Demand loan
MUD — Multiple User Dungeon
ECR — Executive Conference Room
P&I — Principle and interest payment
SBA — Small Business Administrations
DITE — Division on Investment, Technology and Enterprise Development

QTIP — Qualified Terminable Interest Property
NPT — Non-Proliferation Treaty
USPAP — Uniform Standards of Professional Appraisal Practice
WKLY — Weekly
NFIB — National Federation of Independent Business
FSA — Farm Service Agency
NABARD — National Bank for Agricultural and Rural Development
LLDIE — Limited life debt investment entity
UNDCP — United Nations International Drug Control Programme
SIFMA — Securities Industry and Financial Markets Association
DBIC — Data Base Integration Committee
EDGAR — Electronic Data Gathering, Analysis and Retrieval
SLA — Share lending agreement
ULPA — Uniform Limited Partnership Act
TDB — Temporary Disability Benefits
CAA — Congressional Accountability Act
NEO — New and Emerging Occupations
CCHR — Canadian Council on Human Resources
TPA — Third Party Administrator
DTP — Data Transfer Program
LLTC — Limited liability trust company
BEIT — Business Enterprise Income Tax
SFAS — Statements of Financial Accounting Standards
LTC — Long-Term Care
REG. — Regulation
VEVRA — Vietnam-Era Veterans Readjustment Act
RIPA — Retirement Income Policy Act
LMI — Lender's mortage insurance
WCC — World Climate Conference
CWHSSA — Contract Work Hours and Safety Standards Act
WHD — World Habitat Day
TPRB — Trade Policy Review Body
EECB — Executive E-mail Carpet Bomb
AGFFA — Advisory Group on Financial Flows to Africa
CUM DIV — Cumulative dividend
UNTEA — United Nations Temporary Executive Authority
CPP — Consumer Preferences and Policy
GINA — Genetic Information Nondiscrimination Act of 2007
COP — Conference of the Parties
BHC — Bank Holding Company
PWBA — Pension and Welfare Benefits Administration
FALD — United Nations Field Administration and Logistics Division
URLA — Uniform Residential Loan Application
FSP — FASB Staff Position
WARN — Worker Adjustment and Retraining Notification Act of 1988
COPICS — Communication Oriented Production and Information Control System
CHRC — Criminal History Records Check
BCA — Board of Contract Appeals
SRPM — Stated Redemption Price at Maturity
UNSMIH — United Nations Support Mission In Haiti

SITW — State income tax withholding
ASR — Accelerated Stock Repurchase
HRCI — Human Resource Certification Institute
DSI — Discretionary Salary Increase
MPPAA — Multiemployer Pension Plan Amendments Act
SSBCI — State Small Business Credit Initiative
TN — Temporary Visa
NASBA — National Association of State Boards of Accountancy
ODCF — Owner's Discretionary Cash Flow
FRA — Federal Reserve Act
GRC — Goverance, risk and compliance
BIRLS — Beneficiary Identification Records Locator Subsystem
NIPA — National income and product accounts
XML — Extended Markup Language
HRMS — Human Resource Management System
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
GIWA — Global International Waters Assessment
USOA — Uniform system of accounts
IAPSO — Inter-Agency Procurement Services Office
ASBL — American Small Business League
DAP — Direct Access Program
BNIB — Business Needs and Investment Board
NPL — Nonperforming loan
HCO — Health Care Organization
IRD — Income in respect of a decedent
DBPP — Defined Benefit Pension Plan
TPS — Transaction processing services
IFOR — Implementation Force
GAW — Global Atmosphere Watch (WMO)
LMA — Labor Market Area
GAO — General Accountability Office
AAA — Authentication, Authorization & Access
B2C — Business to Citizen
AFSCME — American Federation of State, County and Municipal Employers
NRA — Non-Resident Alien
P/E — Price-to-earnings ratio
BPM — business process management
IPA — Inflation Protected Annuity
PEC — Potential earnings converted
WHCRA — Women’s Health and Cancer Rights Act of 1998
OFCCP — Office of Federal Contract Compliance Programs
ARS — Auction Rate Securities
CSR — Corporate Social Responsibilty
EFTA — European Free Trade Area
ILC — Industrial Loan Company
MDIB — Minimum Distribution Incidental Benefit
SBLF — Small Business Lending Fund
IDB — Industrial Development Board
LINTAS — Levers International Advertising Services
VOB — Veteran-Owned Business

ASHHRA — American Society for Healthcare Human Resources Administration
ISO — Independent Sales Organization
ING — Internationale Nederlanden Group (a Financial Company)
EDA — Economic Development Administration's
CRM — Credit Risk Management
IDB — Industrial Development Bond
LEO — Long-term Equity Options
SDVOB — Service-disabled veteran owned business
UNV — United Nations Volunteers Programme
TILA — Truth In Lending Act
DEFRA — Deficit Reduction Act
APIC — Additional paid-in capital
EPA — Expanded Programme of Assistance
EBP — Employee Benefits Plan
CTI — Computer/Telephone Integration
IBDOEI — Income before discontinued operations and extraordinary items
ACLI — American Council of Life Insurance
USTC — United States Tax Court
UAW — United Auto Workers
AFN — Annual Funding Notice
DUSHOM — Deputy Under Secretary for Health for Operations and Management
ADA — Associate Deputy Administrator
LRO — Labor Relations Officer
CHFC — Chartered Financial Consultant
CFBT — Cash flow before taxes
WHYCOS — World Hydrological Cycle Observing System
JPO — Junior Professional Officer
FLC — Foreign Labor Certification
ARR — Average Rate of Return
MSRB — Municipal Securities Rulemaking Board
NSBA — National Small Business Association
HQS — Housing Quality Standards
OCP — Overland Common Point
SIC — Standard industrial clssification
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
CCM — Completed Contract Method
MTNL — Mahanagar Telephone Nigam Limited
CRPC — Chartered Retirement Planning Counselor
BCAG — Business Community Advisory Group
ITC — International Trade Center
UNOMSIL — United Nations Observer Mission in Sierra Leone
LLIC — Limited liability investment company
TOFC — Trailer On Flat Car
KMI — Knowledge Management Initiative
UNL — Universal Networking Language
UNOG — United Nations Office at Geneva
SSD — Social Security Disability
MSI — Multiple Streams of Income
UNDAW — United Nations Division for the Advancement of Women
GPML — Global Programme Against Money Laundering

DGAACS — Department of General Assembly Affairs and Conference Services
E&P — Earnings & Profits
CHB — Custom House Broker
PCS — Post-contract customer support
GEM — Growing Equity Mortgage
HCIP — Harmonized Index of Consumer Pricing
TUR — Total Unemployment Rates
QIE — Domestically controlled qualified investment entity
POCS — Points of Contact
SBI — Site Build It
CS — Cost-Sharing
BLBA — Black Lunch Benefits Act
HRLY — Hourly
SHOP — Small Business Health Options Program
UNMIBH — United Nations Mission in Bosnia and Herzegovina
UNMACC — United Nations Mine Action Coordination Centre
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
EIC — Earned Income Tax Credit
MSB — Money Service Businesses
AC — Associate Chief of Staff
ITAM — IT asset management
VBIA — Veterans Benefits Improvement Act of 2004
NAO — National Administrative Offices
IREA — Intermountain Rural Electric Association
SPHR — Senior Professional Human Resources
VA — Variable Annuity
PBA — Pending bank approval
FWCW — United Nations Fourth World Conference on Women
ROTC — Reserve Officer Training Corporation
SBC — Summary of Benefits and Coverage
SLS — Sales
B.S. — Bachelor of Science
OSDBU — Office of Small and Disadvantaged Business Utilization
LAC — Division for Latin America and the Caribbean
IPS — Inflation Protected Security
BAN — Bank anticipation notes
CSVLI — Cash surrender value life insurance
AWL — Actual Wage Loss
PCE — Pre-existing Condition Exclusion
IASA — Internation Air Shipper's Association
USCIS — U.S. Citizenship and Immigration Service
TAT — Total asset turnover
NMHPA — Newborns’ and Mothers’ Health Protection Act
NCAO — National Cemetery Area Office
UNLTC — United Nations Military Liaison Team in Cambodia
VBA — Veterans Benefit Administration
MSPR — Medicare Secondary Payer Rules
FPO — Fruit Products Order
UNISTE — United Nations International Symposium on Trade Efficiency
LC — Limited Company

RDMHQ — Rapidly Deployable Mission Headquarters
QE — Quarter Ending
SBJPA — Small Business Job Protection Act of 1996
ARD — Actual retirement date
ALBRS — Automated Lending and Borrowing in Rolling Settlement
WCP — World Climate Programme (WMO/ICSU)
APOC — Administrative Point of Contact
HARP — Home Affordable Refinance Program
CISC — Common Instruction Set Computer
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
ZEN — Zero Engine Noise
GAW — Guaranteed Annual Wage
IACWGE — Inter-Agency Committee on Women and Gender Equity
J&S — Joint and Survivorship
FMHA — Farmers Home Administration
DBA — Davis-Bacon Act
SOBO — Small Office Business Office
ELI — Equity Linked Investments
NASDR — National Association of Securities Dealers Regulation
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
RFB — Request For Bid
B&N — Barnes and Noble
NAAEC — North American Agreement on Environmental Cooperation
OOH — Occupational Outlook Handbook
IFUP — International Forum on Urban Poverty
TA — Technology Assessment
ARB — Accident Review Board
RTN — Routing Transit Number
A&A — Advisory & Assistance
MTM — Market to Market
SPX — Standard and Poor’s Index
CDS — Credit default swaps
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
DDB — Doyle Dane Bernbach
UDR — Unused development rights
RET — Retirement earnings test
ILM — Industrial Light and Magic, Inc.
DSW — Discount Shoe Warehouse
PCM — Percentage-of-completion method
FO — Foreign to occupation
CRSR — Congressional Research Service Report
LDP — Last Day Paid
SEPHA — Special Emergency Programme for the Horn of Africa
UNCJIN — United Nations Crime and Justice Information Network
JCT — Joint Committee on Taxation
DK — Dorling Kindersley
ALC — Agency Location Code
BQ — Best Qualified

DUA — Disaster Unemployment Assistance
MTHLY — monthly
ITC — Information Technology Conference
CCR — Central Contractor Registeration
UNCA — United Nations Correspondents Association
BCS — Business Case Study
STOLI — Stranger-originated life insurance
JAIN — Joint American Indian Network
FAC-C — Federal Acquisition Certification in Contracting
LCD — Labor Cost Distribution
GWAC — Government Wide Acquisition Contract
NAEA — National Association of Enrolled Agents
UNSC — United Nations Security Council
PE — Printer Error
DGFT — Director General of Foreign Trade
EM — Emergency Loan Program
ISMUN — International Student Movement for the United Nations
BREP — Business Requirements Engineering Process
PEP — Personal Exemption Phaseout
MOD — Manufacturing on demand
R/E — Retained earnings
CEIS — Corporate Executive Information System
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
SLA — Supplemental Lease Agreements
UNFALD — United Nations Field Administration and Logistics Division
IIOP — Internet Inter operable ORB Protocol
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
FPM — Flexible Payment Mortgage
VAL. — Value
RDC — Remote Deposit Capture
EB — Extended Benefits
CAO — Contract Administration Office
DWC — Division of Workers Compensation
VRM — Variable Rate Mortgage
CESCR — Convention on Economic, Social and Cultural Rights
FSR — Financial Strength Rating
LDC — Low Death Conflict
FSB — Fortune Small Business
EBRI — Employee Benefits Research Institute
EOSG — Executive Office of the Secretary-General
EPLI — Employee practices liability insurance
SDCF — Sellers Discretionary Cash Flow
CFRS — Carry Forward in Rolling Settlement
D2D — Developer to Developer
ICS — Information Centres Services
CBRS — Currency banking and retrieval system
PVT — Persons Viewing Television
POC — Pacific Operations Centre
QREC — Quality Review Executive Committee
WBG — World Bank Group

UNSD — United Nations Statistic Division
SSOP — Second Surgical Opinion Program
ESP — Exchange Stock Portfolio
DM — Department of Management
OM — Options Market
XFRML — XML based Financial Reporting Markup Language
ICDC — International Child Development Centre
ODCCP — United Nations Office for Drug Control and Crime Prevention
CBHCO — Community-Based Health Care Organization
CAMPS — Cumulative Auction Market Preferred Stock
AA — Average Audience
STIP — Short-Term Industry Projections
IUC — Information Unit for Conventions
BOC — Business Operations Committee
MBA — Masters of Business Administration
DRPC — Division for Resources Planning and Coordination
SDE — Service Delivery and Engineering
SSTP — Streamlined Sales Tax Project
IRB — Internal Revenue Bulletin
PMSA — Primary Metropolitan Statistical Area
SAM — System for Award Management
SRO — Self Regulatory Organization
TAA — Trade Adjustment Act
UNIPOM — United Nations India-Pakistan Observation Mission
UNMAS — United Nations Mine Action Service
ODDS — Online Data Delivery System
SBIR — Small Business Innovation and Research
CCH — Commerce Clearing House
CFC — Chartered Financial Consultant
DAC — Delivery Against Cost
BPC — Budget Priority Committee
ULP — Unfair Labour Practices
UNMOT — United Nations Mission of Observers in Tajikistan
IMRO — Investment Management Regulatory Organisation
SSARS — Statement on Standards for Accounting and Review Services
ALA — American Legion Auxiliary
UNIDIR — United Nations Institute for Disarmament Research
OIP — Office of the Iraq Programme
VWPX — Volume Weighted Price Uncrossing
IQPA — Independent Qualified Public Accountant
VOSB — Veteran-Owned Small Business
PM PAR — Program Management Policy, Assessment, and Reporting
GMP — Guaranteed Maximum Price
PIA — Primary Insurance Amount
SDA — Self-directed brokerage account
UNPD — United Nations Procurement Division
AMC — Appraisal Management Companies
A&A — Assessment and Accreditation
UI — Unemployment Insurance
SLE — Single lease expense

IDS — International Development Strategy
COSVA — Chief of Staff
DSPD — Division for Social Policy and Development
D&O — Directors and Officers Liability
KSA — Knowledge Skills or Abilities
CALS — Continuous Acquisition Lifecycle Support
SMB — Small- to medium-sized business
UNREO — United Nations Rwanda Emergency Office
UNMIH — United Nations Mission In Haiti
UNTAET — United Nations Transitional Administration in East Timor
FT — Full-Time
ISBA — International Seabed Area
FOF — Fund of Funds
UNIDO — United Nations Industrial Development Organization
DFS — Dancer Fitzerald Sample
ODPR — Office for Displaced Persons and Refugees
USERRA — Uniform Services Employment and Reemployment Rights Act
CDR — Centre for Documentation and Research
JAN — Job Accommodation Network's
WIA — Workforce Investment Act
DRC — Deficit Reduction Contribution
UFW — United Farm Workers
PE — Pass-through entity
BRB — Benefit Review Board
PFK — Pay-for-knowledge-and-skills plans
QR — Quarterly Report
NRA — Normal Retirement Age
NATP — National Association of Tax Professionals
FEP — Fair employment practice
EBSA — Employee Benefit Security Administration's
ASF — American Securitization Forum
GST — Generation-Skipping Transfer
PPA — Paperwork Reduction Act
I&A — Interest and amortization
BCBS — Blue Cross/Blue Shield
NAALC — North American Agreement on Labor Cooperation
GWG — Gender Working Group
COBRA — Common Object Request Broker Architecture
PRA — Paperwork Reduction Act of 1980
DIMA — Division of Information Management and Analysis
USC — United States Code
LTD — Long Term Insurance
ESOT — Employee Stock Ownership and Trust
EPAU — Evaluation and Policy Analysis Unit
EAP — Employee Assistance Plan
EPPG — Emergency Prevention and Preparedness Group
SAAR — Seasonally Adjusted Annualized Rate
UNDG — United Nations Development Group
ICC — International Chamber of Commerce
OIS — Overnight Index Swaps

CBO — Chief Business Office
SSNVS — Social Security Number Verification System
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
TCPC — Technical Committee for Programme and Coordination
CEIT — Comprehensive business income tax
FEP — Fair Employment Practices
DUSB — Deputy Undersecretary for Benefits
LDW — Last Day Worked
AGFUND — Arab Gulf Programme for United Nations Development Organizations
CSA — Common Services Architecture
AETF — African Emergency Task Force
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
OC — Opportunity Cost
GIPS — Global Investment Policy Standards
USM — Unlisted Securities Market
GAS — Governmental Accounting Standards
DPGA — Deferred Payment Gift Annuity
UNAVEM — United Nations Angola Verification Mission
NCO — Net chargeoffs
LTCG — Long-term capital gain
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
JECFA — Joint Expert Committee on Food Additives
CFO — Chief Financial/Fiscal Officer
NRV — Net recoverable value
FYE — Fiscal year ended
OES — Occupational Employment Statistics
JRPU — Joint Reintegration Programming Unit
CEFU — Continuing Education Field Unit
PAR — Public Accounting Report
GCT — General Corporation Tax
IOLTA — Interest on Lawyer's Trust Account
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
COAS — Clinical Observation Access Control
T/B — Trial balance
CDARS — Certificate of Account Registry Service
POB — Public Oversights Board
SNT — Supplemental Needs Trust
ASSE — American Society of Safety Engineers-Professional
ECDC — Economic Cooperation Among Developing Countries
PERC — Premiums, earnings and reasonable charges
IAAS — Infrastructure as a Service
OIS — Occupations Information System
WPPDA — Welfare and Pension Plan Disclosure Act
TEUC — Temporary Extended Unemployment Compensation
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
MSFW — Migrant and Seasonal Farm Worker
SMES — Small- and medium-scale enterprises
POD — Professional & Organizational Development
PBC — Programme and Budget Committee
NUA — Net Unrealized Appreciation

PDA — Public Displays of Affection
EBS — Employee Benefits Security
SAMS — Systemic Advocacy Management System
RPO — Recruitment process outsourcing
CCC — Commodity Credit Corporation
WPRO — Western Pacific Regional Office
UMB — United Missouri Bank
IIST — United Nations University International Institute for Software Technology
DI — Debt instrument
CRISIL — Credit Rating Investment Services India Limited
USPTO — U.S. Patent and Trademark Office
RELP — Real Estate Limited Partnership
FABS — Financial and Business Solutions
QTD — Qualified Total Distribution
BA — Business Architecture
KFOR — UN Kosovo Force
CI — Control Item
FRN — Floating rate notes
SV — Salvage value
EHLP — Emergency Homeowners Loan Program
VOC-REHAB — Vocational Rehabilitation
UNIC — United Nations Information Centre
KMI — Key Man Insurance
OHCA — Organized Health Care Arrangement
EPLI — Employment Practices Liability Insurance
SFO — Solicitatio for offers
RI — Royalty Interest
UNMOGIP — United Nations Military Observer Group In India & Pakistan
FIRPTA — Foreign Investment in Real Property Tax Act
CIP — Capital Investment Process
USCIS — US Citizenship and Immigration Services
DBIA — Database Integration Agreement
SEDR — Systems Engineering and Design Review
EAO — Executive and Administrative Office
DUZ — Designated User
E/M — Evaluation and Management
FERS — Federal Employees Retirement System
CSD — Commission on Sustainable Development's
BKPR — Be Kind, Please Rewind
CBA — Controlled Business Arrangement
USD — US Dollars
MW — minimum weight
FELA — Federal Employment Liability Act
MOC — Market On Close
DDB — Deemed death benefit
BV — Book value
INWEH — United Nations University International Network on Water, Environment and Health
OEBS — Office of Employee Benefits Security
EPRS — Emergency Preparedness and Response Section
AIMS — Advertising and Integrated Marketing Solutions

TIC — Tenant In Common
IAG — International Advisory Group
MHPA — Mental Health Parity Act of 1996
PWC — Public Works Commission
ATP — Acquisition Training Program
STSFCTN — Satisfaction
SST — Streamline Sales and Use Tax Agreement
CFS — Committee on World Food Security
PKO — Peace-Keeping Operation
BPO — Broker Price Opinion
FSET — Federal State Employment Taxes
COSG — Collaborative Opportunities Steering Group
CFPB — Consumer Finance Protection Bureau
UNOPS — United Nations Office for Project Services
UNSCO — Office of the United Nations Special Coordinator for the Middle East
SEAROWHO — Regional Office for South-East Asia Region
SPE — Senior Procurement Executive
TCOE — Total Cost of Equity
HTTP — Hyper Text Transport Protocol
SROI — Subsequent Report of Injury
NAP — Noninsured Crop Disaster Assistance Program
UNHSP — United Nations Human Settlements Programme
AIR — Assumed Investment Rate
PCB — Programme Coordination Board
CSP — Certified Speaking Professional
IUR — Insured Unemployment Rates
GIST — Graphics and Intelligence based Script Technology
OSDC — Over/Short/Damage/Claims
GPRS — General Packet Radio System
LOR — Letter Of Response
OTI — OSHA Training Institute
PD — Procurement Division
CTI — Category, Type, Item
PTSD — Post Traumatic Stress Syndrome
UNHQ — United Nations Headquarters
FCA — Division for Finances, Control and Administration
SPFS — Special Programme for Food Security
WMU — World Maritime University
GEMS — Global Environment Monitoring System
PBM — Pharmacy Benefits Management (or Manager)
B2C — Business to Comerce
TIFF — Tagged Interface File Format
DBB — Design-bid-build
ERD — Emergency Response Division
VLI — Variable Life Insurance
JSSA — Jury Selection and Service Act
TL — Time & Labor
BIMS — Business Information Management Suite
FMSHA — Federal Mine and Safety Health Act
GAP — Gross amount paid

NVSBE — National Veterans Small Business Engagement
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
DNA — Distributed Internet Application Architecture
DOBI — Department of Defense Instruction
GNC — General Nutrition Centers
HR — Headquarters Regulation
FCIC — Financial Crisis Inquiry Commission
CUNA — Credit Union National Assocation
REA — Retirement Equity Act
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
IBD — Investors Business Daily
UNPA — United Nations Protected Area
FSA — Flexible Spending Arrangement
ASB — Auditing Standards Board's
MACC — Mine Action Coordination Centre
BRSP — Bureau for Resources and Strategic Planning
UNOV — United Nations Office at Vienna
LAUS — Local Area Unemployment Statistics
RA — Resident Alien
UNMO — United Nations Military Observers
UNOB — United Nations Office in Burundi
BOY — Beginning of Year Violator
CTFA — Certified trust & financial advisor
PUT — Persons Using Television
VPFC — Variable Prepaid Forward Contract
PL — Profit and Loss
FUA — Federal Unemployment Account
UNIS — United Nations Information Service
IMFL — Indian-Made Foreign Liquor
SCIN — Self-canceling installment note
VOC-ED — Vocational Education
COFI — Committee on Fisheries
CEC — Continuing Education Center
A/O — Administrative Offices
SUB — Supplemental Unemployment Benefit
UNSF — United Nations Security Force in West New Guinea
CVE — Center for Verification and Evaluation
BB — Base Benefits
CHS — Commission on Human Settlements
NVCA — National Venture Captial Association
HRC — Health Resource Center
NDNH — National Directory New Hires
LTC — Long-Term Care
LOC — Letter of Comment
TCDC — Technical Cooperation among Developing Countries
HRC — Historic Rehabilitation Credit
UNFIP — United Nations Fund for International Partnerships
DBM — Disruptive Behavior Management
HUT — Households Using Television
SEES — Survey Evaluation Exam System

BRM — Business Relationship Meeting
LTI — Lead Time Interval
OAR — Overall Rate Of Return
JVC — Japan's Victor Company
PIRG — Public Interest Research Group
DESA — Department of Economic and Social Affairs
BSAD — Baseline System Architecture Document
VPT — Volume Price Trend
UNAMSIL — United Nations Mission In Sierra Leone
EMROWHO — Regional Office for the Eastern Mediterranean
EBX — Electronics Boutique X
VRP — Variable Rate Premium
NOLD — Net Operating Loss Deduction
OEL — Offshore Employee Leasing
SSDI — Social Security Disability Indemnity
IPECILO — International Programme for the Elimination of Child Labour
IPMA — International Personnel Management Association
WCC — Working capital cycle
TRD — Trade Relations Division
UNOGIL — United Nations Observation Group In Lebanon
PL/PD — Personal liability/property damage
EAT — Exchange Accommodation Titleholder
FS — Forest Service (USDA)
MINX — Multimedia Information Network Exchange (system)
WRHSE — Warehouse
CWSP — College Work-Study Program
DSRSG — Deputy Special Representative of the Secretary-General
WCB — Workers Compensation Board
UNIS — United Nations International School
SLOB — Separate lines of business
INRA — United Nations University Institute for Natural Resources in Africa
MEC — Minimum essential coverage
BDC — Business Development Council
DR. — Debit
PA — Public Accountant
CSO — Cyber Security Office
VCL — Vacancy and collection losses
UNSECOORD — Office of the United Nations Security Coordinator
ATNOL — Alternative Minimum Tax Net Operating Loss
TDB — Trade and Development Board
BOP — businessowners policy
CRA — Credit Rating Agency
EIA — Equity Indexed Annuity
UNON — United Nations Office at Nairobi
AFROWHO — Regional Office for Africa
QCR — Quarterly Contributions Report
PCNICC — Preparatory Commission for the International Criminal Court
UNPA — United Nations Postal Administration
SEBI — Securities Exchange Board of India
KFC — Kentucy Fried Chicken

HDRO — Human Development Report Office
NE — Non-Exempt
OASI — Old Age Survivors Insurance
ODF — OpenDocument Format
CCC — Cost Containment Center
UNTAG — United Nations Transition Assistance Group
HAC — Health Administration Center
DEC — Deductible voluntary employee contributions
CBC — Community Based Outpatient Clinic
HRIS — Human Resources Information Service
SVNGS — Savings
MFST — Manifest
DSA — Disaster Debt Set-Aside Program
CO — Contracting Officer
HOW — Homeowner Warranty Plan
R&C — Reasonable and Customary
BAT — Bureau of Apprenticeship and Training
NRET — Non-Resident Withholding Tax
TPD — Third-party designee
IPI — Industrial Protection Index
UNMIK — United Nations Interim Administration Mission in Kosovo
USENET — USEr NETwork
PCE — Private Commercial Enterprise
UNAT — United Nations Administrative Tribunal
XUL — eXtensible UserInterface Language
CFP — Clinical Financial Planner
AR — Architecture Requirements
NOIDA — New Okhla Industrial Development Authority
CPS — Core Products and Services
POP — Point-of-purchase
SPDC — Special Political and Decolonization Committee
RIM — Retail Inventory Method
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
BEST — BrihnanMumbai Electric Supply and Transport
NST — National Sales Tax
UNSMA — United Nations Special Mission to Afghanistan
POS — Point-of-sale
NTFO — Nationwide Tax Forums Online
ERCI — Employee Relocation Council Institute
EMT — Executive Management Team
WDC — Workforce Development Center
TAC — Technology Assessment Committee
NR — Not Rated
NQPS — Nonqualified preferred stock
CBD — Chief Benefits Director
BKPR — Bookeeper
FTR — family tracing and reintegration
SLSMN — Salesman
MDA — Market development funds
ITOC — Information Technology Oversight & Compliance

SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
NIB — New In the Box
NYMEX — New York Metal Exchange
SIU — Sets In Use
HB — House B ill
UNTPDC — United NationsTrade Point Development Centre
NBIA — National Business Incumbation Association
N/P — Note payable
MGIC — Mortgage Guarantee Insurance Company
COD — Country Operations Division
UNASOG — United Nations Aouzou Strip Observer Group
K/A — Known as
ETR — United Nations Education and Training Programme
CONGO — Conference on Non-Governmental Organizations
CPTAL — Capital
LOW — Lack of Work
SIPA — Securities Investment Protection Act
SPD — Division for Special Programmes Development
MF — Medical Facilities
UNDOC — United Nations Documents Index
PPBD — Programme Planning and Budget Division
SWA — State Workforce Agencies
NSTA — National Securities Trade Association
SOYD — Sum-of-the-years-digits
JPAC — Joint Public Advisory Committee
CCP — Collateralized commercial paper
HUDCO — Housing and Urban Development Corporation Limited
ICE — Internal control evaluation
OTR — Office of Thrift Supervision
CCA — Consolidated Contracting Activity
WOSB — Woman-Owned Small Business
INTECH — United Nations University Institute for New Technologies
EFAST — ERISA Filing Acceptance System
CSCIS — Computer Software Configuration Items
CCR — Central Contracting Registry
NABE — National Association for Business Economics
EMA — Expense Management Automation
UNJSPB — United Nations Joint Staff Pension Board
D/N — Demand note
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
UNGEGN — United Nations Group of Experts on Geographical Names
SEI — Software Engineering and Integration
SJ — Sales Journal
CC — Copy To
GLSO — Group Legal Services Organization
UNGIWG — United Nations Geographic Information Working Group
LA — Labor Area
CORTS — Corporate-backed trust securities
NCAER — National Council for Applied Economic Research
HEP — Humanitarian Evacuation Programme

WBC — Women Business Center
SEPPAA — Single Employer Pension Plan Amendments Act
B&P — Budgeting & planning
UNROAP — United Nations Regional Office for Asia and the Pacific
OALC — Office of Acquisition, Logistics, and Construction
PWD — Prevailing Wage Determination
CIFR — Committee on Improvements to Financial Reporting
TP — Technical Proposal
POPIN — United Nations Population Information Network
HMO — Health Maintenance Organisation
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
IM/DQ — Identity Management/Data Quality
RMA — Restricted management account
NSDL — National Securities Depository Limited
STD — Short-term Insurance
COAG — Committee on Agriculture
VAAR — Department of Veterans Affairs Acquisition Regulation
TARP — Troubled Assets Relief Program
NBER — National Bureau of Economic Research
ZBA — Zero-Balance Account
SOS — Switched On Schoolhouse
CSBU — Center for Small Business Utilization
JEEP — Joint Ethics Enforcement Plan
UNTSO — United Nations Truce Supervision Organization
STW — School-To-Work
NAWW — National Average Weekly Wages
CARDS — Custom Adjustable Rate Debt Structure
UNAMA — United Nations Assistance Mission to Afghanistan
NBB — New Belgium Brewery
COFO — Committee on Forestry
ROLAC — Regional Office for Latin America and the Carribean
UNMOP — United Nations Mission of Observers in Prevlaka
IAS — United Nations University Institute of Advanced Studies
BPO — Budget process outsourcing
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
MRAM — Magnetic Random Access Memory
DC — Developed Countries
WOTC — Workforce Opportunity Tax Credit
QAIP — Quality Assurance and Improvement Plan
RE — Residual Earnings
PFA — Platform for Action
UNOMA — United Nations Observer Mission in Angola
SARD — Sustainable Agriculture and Rural Development
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
ITEAM — Information Technology Enterprise Architecture Management
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
CORBAIIOP — CORBA Internet Inter ORB Protocol
PPIP — Public-Private Investment Program
PDM — Program Decision Maker
HEA — Health Enterprise Architecture

ECU — Emergency Coordination Unit
RRM — Renegotiated-Rate Mortgage
CCS — Care Coordination Services
SE — Salaried Exempt
ICFY — International Conference on the Former Yugoslavia
ECS — Enterprise Class Storage
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
UNYOM — United Nations Yemen Observation Mission
OUSG — Office of the Under Secretary General
UNPOB — United Nations Political Office in Bougainville
EBO — Equity buy out
VETS — Veteran's Employment & Training Service
SECL — Secretarial
UNMA — United Nations Mission in Angola
XRA — Expected Retirement Age
ICDB — International Childrens' Day of Broadcasting
NHCE — Non-Highly Compensated Employee
SOPAC — South Pacific group of countries
UNMEE — United Nations Mission in Ethiopia and Eritrea
UNRRA — United Nations Relief and Rehabilitation Agency
LTD. — Limited
SOIR — Schaeffer Open Interest Ratio
CPK — Cost Per Keyword
LT — Lost Time
LBO — Limited Buyout
CSD — Commission for Social Development
NVC — National Veterans Conference
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
EDP — Employee Development Plan
YSP — Yield-spread premium
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
UNSC — United Nations Staff College
ULC — Uniform Law Commissioners
IPO — Incorporated to Provide
CIM — Corporate Information Model
TSB — Targeted Small Business
CFTA — Currency and Foreign Transaction Act
UMTS — Universal Mobile Telephone System
CDP — Committee for Development Policy
GEO — Global Environment Outlook Report
CSI — Commissioners Standard Industrial Mortality Table
MVI — Mini Vacations Incorporated
UNROD — United Nations Relief Operation in Dacca
IPDC — International Programme for the Development of Communications
PSR — Presentence report
USITC — U.S. International Trade Commission
SMF/LDC — Special Measures Fund for the Least Developed Countries
CIMO — Commission for Methods of Observation
HPS — Headquarters Procurement Section
PBSI — Performance Based Salary Increase

SSM — Software Service Manager
UNPF — United Nations Peace-Force
OHR — Office of Human Resources
SCP — Sustainable Cities Programme
WCDMP — World Climate Data and Monitoring Programme
WHOL. — Wholesale
VWPT — Value Weighted Price Trading
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
SBO — Small Business Ombudsman
WST — Waste Spare Time
SP — Strategic Plan
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
PATS — Planning, Architecture, Technology and Services
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
ECLAC — Economic Commission for Latin America and the Carebbean
FROI — First Report of Injury
FAS — Finance and Accounting System
NC — National Cemetery
LTFP — Long-Term Financial Plans
B/S — Benefits/Services
PIP — Peace Implementation Programme
UNIKOM — United Nations Iraq-Kuwait Observation Mission
VERONICA — Very Easy Rodent Oriented Netwide Index of Computer Archives
BLESS — Borrowing and Lending Securities Schemes
IPC — Integrated Programme for Commodities
POP — Premium-Only Plan
UNFSTD — United Nations Fund for Science and Technology for Development
QWI — Quarterly Workforce Indicators
PIU — Public Inquiries Unit
ND — Network Director
NTU — National Taxpayer's Union
IMF — International Monitary Fund
ECS — Event Capture System
STCG — Short-Term Capital Gain
UNFICYP — United Nations Force in Cyprus
ITC — International Training Centre
BAB — Build America Bonds
FOIA — Freedome of Information Act
UNDC — United Nations Disarmament Commission
DRM — Division for Resources Mobilization
SBLC — Small Business Legislative Council
LTP — Long-Term Plan
CLO — Collaterialized loan obligation
TEA — Transportation Efficiency Act
TRD — Transfer of Development
DME — Development/Maintenance/Enhancement
ITARP — IT Activity Resource Proposal
C&P — Compensation & Pension
OHRM — Office of Human Resources Management
SRO — See Self-Regulatory Organization

MQT — Medicaid Qualifying Trust
BPA — Blanket purchase authoriation
CPR — Committee of Permanent Representatives
VACO — VA Central Office
SYD — Sum-of-the-years-digits
JIU — Joint Inspection Union
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
WST — Waste Systems and Transportation
COMP. — Item given for free
B/A — Basic Agreement
QPAM — Qualified Professional Asset Manager
WPOA — Wagner-Peyser Act
IMC — Integrated Market Communications
SDC — System Development Center
TPA — Technical Practice Aide
UNTOP — United Nations Tajikistan Office for Peace-Building
SGML — Standard Generalised Markup Language
MAT — Minimum Alternative Tax
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
CT — Commercial Technology
PPBA — Office of Programme Planning, Budget and Accounts
SFI — Six-Figure Income
SERP — Systemwide Electronic Research Program
SMP — Special Multiperil Policy
GTC — Good Till Canceled Order
HR — Human Rights's
NGLS — United Nations Non-Governmental Liaison Service
VBOP — Veterans Business Outreach Centers
R/E — Real estate
UNICC — United Nations International Computer Centre