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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

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

ROM — Read-Only Memory
CRFB — Committe for Responsible Federal Budget
C-CPI-U — Chained Consumer Price Index for All Urban Consumers
BGT — Budget
FTP — File Transfer Protocol
DOB — Date Of Birth
B-TO-B — Business-To-Business
U&C — Usual and customary
PLS — Please
JC PENNEY'S — James Cash Penney
AFDC — Aid to Families with Dependent Children
CBPP — Center on Budget and Policy Priorities
F/B/O — For benefit of
U.S.C. — United States Code
KPMG — Klynveld Peat Marwick Goerdeler
FISMA — Federal Information Security Management Act
ANSI — American National Standards Institute, Inc.
BBS — Bulletin Board Service
P&Z — Planning & Zoning
A/OPC — Agency/Organization Program Coordinator
RCNLD — Replacement Cost New Less Depreciation
ANOVA — Analysis of Variance (statistics)
MBTI — Myers-Briggs Type Indicator
ATM — Automatic Teller Machine
THX — Thanks
CMO — Collateralized Mortgage Obligation
C.L.U.E. — Comprehensive Loss Underwriting Exchange
C-CPI — Chained Consumer Price Index
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
M.O.M. — Middle of the month
IT — Information Technology
BCA — Business Continuity Plan
J/E — Journal entry
PPE — Personal Protective Equipment
W-A — Weighted average
C.&F. — Cost and freight
SSN — Social Security Number
ARO — After Receipt of Order
UBTI — Unrelated Business Taxable Income
A&MMS — Acquisition and Materiél Management Service
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
FAC-P/PM — Federal Acquisition Certification Program/Project Management
W/O — Without
NFI — Net Financial Income
E.O. — Executive Order
U.S. DOL — United States Department of Labor
DRIP — Dividend Reinvestment Plan
LIFO — Last In, First Out
GM — Gross Margin
ATF — As Trustee for

QDRO — Qualified Domestic Relations Order
RNFA — Return On Net Financial Assets
FDIC — Federal Deposit Insurance Corporation
MPC — Marginal Propensity to Consume
SD — Standard Deviation
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
U.S. DOJ — United States Department of Justice
E&IT — Electronic and Information Technology
A&MM — Acquisition and Materiél Management
EPA — Environmental Protection Agency (US)
IRC — Internet Relay Chat
FTE — Full Time Equivalent
UNICEF — United Nations International Children's Emergency Fund
IDIQ — Indefinite Delivery, Indefinite Quantity
M.ED — Masters in Education
LY — Last Year
P&L — Profit and Loss statement
I-TIPS — Information Technology Investment Portfolio System
COB — close of business (End of duty day)
GATB — General Aptitude Test Battery
FIFO — First In, First Out
OA&L — Office of Acquisition and Logistics
PDF — Portable Document Format (created by Adobe Acrobat)
SALY — Same As Last Year
EOQ — economic order quantity
ITEP — Institute on Taxation and Economic Policy
UNESCO — United Nations Educational, Scientific and Cultural Organization
WHO — World Health Organization
KPI — Key Performance Indicator
ROM — Range Of Motion
INC — Intergovernmental Negotiating Committee
CD — Certificate of Deposit
WAASE — Division for Western Asia, Arab States and Europe
AAA-CPA — American Association of Attorney-Certified Public Accountants
VAGFE — VA-owned Government Furnished Equipment
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
LLC — Limited Liability Company
NAFEP — National Association of Financial and Estate Planning
FEMA — Federal Emergency Management Agency
FF&E — Furniture, Fixtures & Equipment
QC — Quality Control
QCEW — Quarterly Census of Employment and Wages
POD — Proof Of Delivery
EBITA — Earnings before interest taxes depreciation amortization
HIPC — Heavily Indebted Poor Countries
RFP — Request For Proposal
IP — Internet Protocol
AAA — American Automobile Association
RFQ — Request For Quotation
PO — Purchase Order

AUP — Acceptable Use Policy
GP — Gross Profit
IACSD — Inter-Agency Committee on Sustainable Development
POA — Power Of Attorney
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
OI — Operating Income
GDP — Gross Domestic Product
EAP — Employee Assistance Program
S&U — Sales and use
CBD — Cash Before Delivery
DKNY — Donna Karan New York
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
CY — Calendar Year
FLRA — Federal Labor Relations Authority's
YUPPIE — Young Urban Professional
ATTN — Attention
WACC — Weighted Average Cost Of Capital (accounting)
EDI — Electronic Data Interchange
LC — Letter of Credit
IRR — Internal Rate of Return
NOC — Net Operating Capital
BSA — Bank Secrecy Act
CBC — Complete Blood Count
GSM — Global System for Mobile Communications
CV — Curriculum Vitae
MSDS — Material Safety Data Sheets
CAO — Chief Accounting Officer
ACH — Automated Clearing House
ISP — Internet Service Provider
AA — Affirmative Action
CEO — Chief Executive Officer
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
CCB — Change Control Board
FIT — Financial institutions tax
PC — Politically Correct
PIP — Performance Improvement Plan
ACCT — Account
IPO — Initial Public Offering
ACC — Accounting Classification Code
LOI — Letter Of Intent
CMT — Constant Maturity Treasury
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
TQM — Total Quality Management
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
LMRA — Labor Management Relations Act
TSR — Total Shareholder Return
EDWOSB — Economically disadvantaged woman-owned business
AP — Accounts Payable
BFP — Bona Fide Purchaser

EST — Eastern Standard Time
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
OECD — Organization for Economic Cooperation and Development
ADB — Asian Development Bank
LLP — Limited Liability Partnership
DCP — Defined Contribution Plan
CDO — Collateralized Debt Obligation
CPI — Consumer Price Index
ABC — activity based costing
IBAN — International Bank Account Number
SMTP — Simple Mail Transfer Protocol
ARB — Architecture Review Board
ASCII — American National Standard Code for Information Interchange
R&D — Research & Development
FINRA — Financial Industry Regulatory Authority
EEO — Equal Employment Opportunity
UPS — United Parcel Service, Inc.
CBA — Cost Benefit Analysis
GIS — Geographic Information System
MTBF — Mean Time Before Failure
WML — Wireless Markup Language
DIH — Days Inventory Held
SLA — Service Level Agreement
GL — General Ledger
DFA — Department of Finance and Administration
ADR — American Depositary Receipt
SAAS — Software as a Service
CPO — Cost Per Order
RTO — Reverse Take-Over
C&F — Cost and Freight
LOB — Line Of Business
ETA — Department of Labor's Employment and Training Administration
ROIC — Return on Invested Capital
USDA — United States Department of Agriculture
DVP — Delivery Versus Payment
PDA — Personal Digital Assistant
CIP — Carriage and Insurance Paid to
ASME — American Society of Mechanical Engineers
LTCM — Long-Term Capital Management
SRAM — Static Random Access Memory (ess-ram)
COD — Cash On Delivery
ADP — Automated Data Processing
DMAIC — Define, Measure, Analyze, Improve, Control
ETR — Effective Tax Rate
RPI — Retail Price Index
BOV — Broker’s Opinion of Value
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.
BPML — Business Process Modeling Language
CBO — Congressional Budget Office
ADR — Alternative Dispute Resolution

NOA — Net Operating Assets
FR — Federal Register
NYSE — New York Stock Exchange
AUM — Assets Under Management
AD — Advertisement
LTV — Loan To Value
ANCOM — Andean Common Market
EOD — End Of Day
BLS — Bureau of Labor Statistics of the United States Department of Labor
O&M — Operation and Maintenance
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
IRA — Individual Retirement Account
CAPEX — Capital Expenditure
YTM — Yield to Maturity
ICFR — Internal Control Over Financial Reporting
GATT — General Agreement on Tariffs and Trade (government)
VPN — Virtual Private Network (ATM)
ROE — Return On Equity
GPS — Global Positioning System (ex-NAVSTAR)
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
SKU — Stock Keeping Unit
PE — Private Equity
DOT — Department of Transport
ADR — American Depository Receipt
ADL — activity of daily living
AWOL — Absent Without Leave
OTC — Over The Counter (medications not requiring a prescription)
PAQ — Position Analysis Questionnaire
UCC — Uniform Commercial Code
M/M — Month-over-month
NPV — Net Present Value {economics}
MTF — Medical Treatment Facility
ADP — Actual Deferral Percentage
G2C — Government to Consumer
EXCOM — Executive Committee
DBA — Doing Business As
CRO — Chief Risk Officer
LFPR — labor force participation rate
ABO — Accumulated Benefit Obligation
NRI — Net Revenue Interest
GNP — gross national product (economics)
ARM — Adjustable Rate Mortgage
GOI — Gross Operating Income
CP — Commercial Paper
P&G — Proctor and Gamble
JV — Joint Venture
PPO — Preferred provider organization
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
FICCO — Fair Issac Credit Organization
OT — Overtime

IM/IT — Information Management/Information Technology
NAB — Non-accrual basis
EU — European Union (1994; formerly referred to as the EEC or EC)
Q — Quarter
EO — Executive Order
PV — Present Value
CIO — Chief Information Officer
ARC — American Red Cross
BOL — Bill Of Lading
3M — Minnesota Mining And Manufacturing Company
IOC — Intergovernmental Oceanographic Commission
MIS — Management Information System (OSHA)
IBM — International Business Machines Corporation
KSOP — 401(k) Employee Stock Option Plan
ICAO — International Civil Aviation Organization
CFM — Construction Facility Management
REO — Real Estate Owned
MTD — Month-to-date
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.
LOC — Line Of Credit
NOPAT — Net Operating Profit After Tax
RAM — Reverse Annuity Mortgage
ICE — Intrusion Countermeasures Electronics
SAN — Storage Area Network
FTA — Free-Trade Agreement
CAE — Computer-Aided Engineering
UNDMT — United Nations Disaster Management Team
HMO — Health Maintenance Organization
CPM — Critical Path Method
ABM — Activity Based Management
ERP — Emergency Response Plan
APT — Arbitrage Pricing Theory
IVR — Interactive Voice Response (telephone technology)
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
SGLI — Servicemember Group Life Insurance
MIGA — Multilateral Investment Guarantee Agency
LMI — Labor Market Information
CMA — Comparative Market Analysis
DOD — United States Department of Defense
RAM — random-access memory
RFC — Request For Comment
BEA — Bureau of Economic Analysis
FAA — Federal Aviation Administration
QTY — Quantity
FY — Fiscal Year
TBD — To Be Determined
IMF — International Monetary Fund
ITIN — Individual Taxpayer Identification Number
RONA — Return On Net Assets
ROG — Receipt Of Goods

UTD — Under Trust Dated
COO — Chief Operation Officer
CTR — Currency Transaction Report
DC — Defined Contribution
PM — Performance Management
FOREX — Foreign Exchange
EEOC — Equal Employment Opportunity Commission
FAR — Federal Acquisition Regulation
HR — Headquarters Report
CIM — Computer Integrated Manufacturing
PFA — Prevention of Food Adulteration Act
B/L — Bill of Lading
AIG — American International Group, Inc
NDA — Non-Disclosure Agreement
CV — Cost Variance
OTB — Open To Buy
ACWP — actual cost for work performed
GRM — Gross Rent Multiplier
GA — General Assembly
NFE — Net Financial Expense
SDR — Special Drawing Rights
IPS — Investment Policy Statement
CRS — Congressional Research Service
BIW — Biweekly
ASP — Active Server Page
UIM — Underinsured Motorist
DPKO — Department of Peacekeeping Operations
NAV — Net Asset Value
CPM — Certified Property Manager
RIF — Reduction In Force
OJT — On the Job Training
AE — Account Executive
LWDI — Lost Work Day Injury Rate
PD — Position Description
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
DES — Data Encryption Standard
CFROI — Cash Flow Return on Investment
DMA — Designated Market Area
FOB — Free On Board
AER — Annual Equivalent Rate
DJIA — Dow Jones Industrial Average
JD — Juris Doctorate
IETF — Internet Engineering Task Force
EMA — Exponential Moving Average
NSC — National Security Council
AGR — Adjusted Gross Revenue
AM — Asset Management
TDC — Total Direct Compensation
FINCEN — Financial Crimes Enforcement Network
ALM — Asset Liability Management

APPROX — Approximate
JIT — Just in time
SG&A — Selling, general, and administrative expenses
CTS — Carpal Tunnel Syndrome
PGP — Pretty Good Privacy (encryption)
POE — Point of Entry
NFO — Net Financial Obligations
POP — Point Of Purchase
AAR — Average Annual Return
GRUT — Grantor Retained Unitrust
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
PDM — Product Data Management
CADR — Cash available for distribution before debt reduction
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
FDCPA — Fair Debt Collection Practices Act
GMP — Good Manufacturing Practice
AARP — American Association of Retired Persons
RSF — rentable square feet
BD — Business Development
CPC — Cost Per Click-through
QOS — Quality of Service
NPW — Net Present Worth
CBT — Computer Based Training
SLIP — Serial Line Interface Protocol
FAS — Free Alongside Ship
FUBU — For Us By Us
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
VC — Venture Capital
ADB — African Development Bank
F/K/A — Formally known as
AGI — Adjusted Gross Income
CTO — Compensatory Time Off
RMP — Risk Management Plan
ROR — Return on Revenue
G2G — Government to Government
DUSHOM — Deputy Under Secretary for Health for Operations and Management
RR — retention rate
WWW — World Weather Watch
EP — Earned Premium
BPA — Blanket Purchase Agreement
NATO — North Atlantic Treaty Organisation
FASAB — Federal Accounting Standards Advisory Board
FPL — Federal Poverty Level
ETF — Exchange Traded Fund
LOA — Leave Of Absence
LWP — Leave With Pay
ROTA — Return On Total Assets
AMEX — American Stock Exchange
SQA — Software Quality Assurance
CE&O — Customer education and outreach

SEM — Search Engine Marketing
IRC — Internal Revenue Code of 1986
MBA — Mortgage Bankers Association of America
QA — Center for Quality Assurance in International Education
AMA — American Management Association
CRM — Customer Relationship Management
CTO — Chief Technology Officer
OASDI — Old Age Survivors Disability Insurance
DNS — Domain Name System
CR — Continuing Resolution
BOO — Build Own Operate
NFA — Net Financial Assets
ODA — Official Development Assistance
POP — Point Of Presence (Internet)
IFRIC — International Financial Reporting Interpretations Committee
OTCEI — Over the Counter Exchange of India (stock exchange)
MSA — Metropolitan Statistical Area
AON — Angolan New Kwanza
JOA — joint operating agreement
MDGD — Management Development and Governance Division
OPR — Other People's Resources
CCAQ — Consultative Committee on Administrative Questions
VISN — Veterans Integrated Service Network
IFRS — International Financial Reporting Standard
GMWB — Guaranteed Minimum Withdrawal Benefit
C&B — Compensation and Benefits
WC — Worker's Compensation
DCR — Debt Coverage Ratio
BARS — Behaviourally-Anchored Rating Scale
GSA — U.S. General Services Administration
AFDA — Allowance for Doubtful Accounts
ROI — Return on Investment
PFD — Preferred
BI — Business Intelligence
GRP — Gross Rating Point
D/O — Delivery Order
EV — Enterprise Value
ABA — American Bankers Association
MIRR — Modified Internal Rate of Return
STD — Standard
PNG — Portable Network Graphics (graphic file standard/extension)
CFR — Code of Federal Regulations
MSN — Microsoft Network
BOP — Bureau Of Prisons
NT — Near-Term
BOE — Bank of England
SM — Service Mark
NNN — Triple Net (Lease)
MEC — Modified Endowment Contract
SMT — Senior Management Team

FDA — Food Drug Administration
OA — Operating Assets
HVAC — Heating, Ventilation, and Air Conditioning
CUSFTA — Canada-US Free Trade Agreement
IAEA — International Atomic Energy Agency
TER — Total Expense Ratio
IM — Information Management
CUM PFD — Cumulative preferred
IRS — U.S. Internal Revenue Service
FAO — Food and Agriculture Organization of the United Nations
HAZMAT — Hazardous Material
WIP — Work in Process
COOP — Continuity of Operations
ACRS — Accelerated Cost Recovery System (finance)
PMI — Private Mortgage Insurance
IATA — International Air Transport Association
TCO — Total Cost of Ownership
EURIBOR — Euro Interbank Offered Rates
ALDEP — Automated Layout Design Programs
DTA — Deferred tax assets
ITLOS — International Tribunal for the Law of the Sea
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
CPM — Continuous Passive Motion
MA — Moving Average
TIN — Taxpayer Identification Number
ACO — Administrative Contracting Officer
CDC — Center for Disease Control and Prevention
ETA — Employment and Training Administration
CRAT — Charitable Remainder Annuity Trust
MSA — Medical Savings Account
DRP — distribution requirements planning
IDR — Issuer Default Rating
ISDN — Integrated Services Digital Network
DOE — United States Department of Energy (government)
PRI — Primary Rate Interface (ISDN)
CISO — Chief Information Security Officer
DOJ — Department of Justice (US)
REIT — Real Estate Investment Trust
CF — Cash Flow
ABS — Automated Bond System
ESP — Exchange Stock Portfolio
PM — Program Manager
SAR — Stock Appreciation Right
SIC — Standard Industrial Classification (Code)
POD — Payable on Death
FRF — Financial Reporting Framework
RULPA — Revised Uniform Limited Partnership Act
ARNP — Advanced Registered Nurse Practitioner
EFA — Education for All
POC — Proof of Claim

CAFTA — Central American Free Trade Agreement
MSRP — Manufacturer's Suggested Retail Price
AMA — American Medical Association
BS — Balance Sheet
Y/Y — Year-over-year
AJE — Adjusting Journal Entry
FMS — Financial Management Service
GSF — Gross Square Feet
CME — Chicago Mercantile Exchange
ABP — Average Benefit Percentage
PAT — Profit After Tax
LBO — Leveraged Buyout
CIMA — Chartered Institute of Management Accountants
HIBOR — Hong Kong interbank offered rate
CPP — Capital Purchase Program
CAPM — Capital Asset Pricing Model
ITC — Information Technology Center
DSO — Day Sales Outstanding
UNU — United Nations University
IFB — Invitation For Bid
WC — Working Capital
CFO — Communication Filing Officer
TTM — Trailing Twelve Months
PNP — Plug aNd Play
MAD — Mean Absolute Deviation
DI — Disability Insurance
BOMA — Building Owners and Managers Association
PC — Personal computer (host)
EOE — Equal Opportunity Employer
ICC — International Criminal Court
CSRS — Civil Service Retirement System
ATO — Asset Turnover
AD&D — Accidental Death and Dismemberment
CRT — Charitable Remainder Trust
PBO — Projected Benefit Obligation
GRAT — Grantor Retained Annuity Trust
FASAB — Financial Accounting Standards Advisory Board
CMO — Chief Marketing Officer
XTML — eXtensible Telephony Markup Language
RAID — Redundant Array of Inexpensive Disks
CEN — Committee European de Normalisation
ITA — International Trade Administration
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
SBU — Strategic Business Units
HROD — Human Resources and Organizational Development
COGS — Cost of Goods Sold
AMT — Amount for Married Taxpayers
ERP — Estimated Retail Price
SAM — Shared-Appreciation Mortgage
DCA — Dollar Cost Averaging

AQL — Acceptable Quality Level
TDA — Tax Deferred Annuity
DPP — Direct Participation Program
GPP — Gross Profit Percentage
BNA — Bureau of National Affairs, Inc.
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
TL — Truckload
NAM — National Association of Manufacturers
PHP — PHP Hypertext Processor
LTO — Long-Term Option
LBB — Legislative Budget Board
FOIA — Freedom of Information Act
HCFA — Health Care Financing Administration
4P — Price, Product, Place and Promotion
UNEP — United Nations Environment Program
SEPG — Software Engineering Process Group
ERV — Estimated Rental Value
EBT — Earnings Before Tax
FSA — Flexible Spending Account
PERT — Program Evaluation and Review Technique
MDB — Multilateral Development Bank
CMS — Content Management System
3PL — Third Party Logistics
CPM — Corporate Performance Management
CPA — Certified Public Accountant
DUSH — Deputy Under Secretary for Health
PC — Percent
EIN — Employer Identification Number
GFE — Good Faith Estimate
PVGO — Present Value of Growth Opportunities
ASP — Application Service Provider
LIBOR — London interbank offering rate
CMM — Capability Maturity Model
DCF — discounted cash flow rate
IMO — International Maritime Organization
SAS — Statement on Auditing Standards
CAGR — Compounded Annual Growth Rate
EFT — Electronic Funds Transfer
ERISA — Employee Retirement Income Security Act
UI — User Interface
VSNL — Videsh Sanchar Nigam Limited
CIP — Capital Investment Proposal
CDHP — consumer-driven health plan
PD — Paid
BCR — Benefit/Cost Ratio
REPO — Repurchase Agreement
IMAP — Internet Message Access Protocol
JD — Job Description
SAR — Suspicious Activity Report(ing)
USP — Unique Selling Point

COLA — Cost of Living Adjustment (or Allowance)
ISO/MSP — Independent sales organization/Member service provider
FTE — Full-Time Employee
IRIN — Integrated Regional Information Networks
IDIT — Intentionally defective irrevocable trust
CASB — Cost Accounting Standards Board
AICPA — L'American Institute of Certified Public Accountants
OMB — Office of Management and Budget (U.S.)
SC — Security Council
BDF — Beneficiary Designation Form
CPI — Cost Performance Index
SRM — Supplier Relationship Management
ZIP — Zone Improvement Plan
BHAG — Big Hairy Audacious Goal
GPI — Gross potential income
APY — Annual Percentage Yield
TRO — Temporary Restraining Order
ASB — Accounting Standards Board
RTF — Rich Text Format
NIBCL — Non-interest bearing current liabilities
FCRA — Fair Credit Reporting Act
DDU — destination delivery unit
CUM — Cumulative
HSA — Health Savings Account
NI — Net Income
TIL — Truth in Lending
CVP — Cost-Volume-Profit
QMAC — Qualified Matching Contributions
COTR — Contracting Officer Technical Representative
GRIT — Grantor Retained Income Trust
ITU — International Telecommunication Union
TAM — Television Audience Measurement
RO — Regional Office
CMA — Certified Management Accountant
PY — Program Year
MC — Market Capitalization
TDI — Temporary Disability Insurance
ADP — Average Deferral Percent
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
NLRB — National Labor Relations Board
PDA — Personal Data Assistant
PPI — Producer Price Index
AOV — Average Order Value
SBLC — Standby Letter of Credit
ACV — Actual Cash Value
RP — Repurchase Agreement
MLS — Multiple Listing Service
ROS — Return on Sales
HQ — Headquarters (HDQ Preferred)
TM — Trademark

TCN — Third Country National
CFA — Chartered Financial Analyst
HDI — Human Development Index (UNDP yardstick of human welfare)
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
RWA — Risk Weighted Asset
CPM — Cost Per Thousand
DBA — Data Base Administrator
EPA — Equal Pay Act
MPS — Marginal Propensity to Save
FASAC — Financial Accounting Standards Advisory Council
SOHO — Small Office Home Office
IRCA — Immigration Reform and Control Act
AED — United Arab Emirates Dirham
CFA — Consumer Federation of America
BU — Bargaining Unit
CHR — Commission on Human Rights
EOY — End-Of-Year
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
IC — Internal Control
PM — Profit Margin
EPS — Earnings per share
FCC — Federal Communications Commission (US)
ESOP — Employee Stock Ownership Plan
OE — Operating Expense
COS — Chief of Staff
A&H — Accident and health insurance
CDL — Commercial Driver's License
HELOC — Home Equity Line of Credit
PFS — Personal Financial Specialist
BOD — Board of Directors (Budget)
CGS — Cost of Goods Sold
SBO — Small Business Owner
PHC — Personal Holding Company
EE — Employee
G2B — Government to Business
TIPS — Treasury Inflation-Protected Securities
RFQ — Request For Quote
TCE — Tangible Common Equity
ADI — After Date of Invoice
GAAP — Generally Accepted Accounting Procedures
SCM — Supply Chain Management
PY — Prior Year
ROGFA — Return on Gross Fixed Assets
EVA — Economic Value Added
BAFO — Best and Final Offer
FTC — Federal Trade Commission (U.S.)
GED — General Equivalency Diploma
AMID — Allowable Miscellaneous Itemized Deductions
MI — Mortgage Insurance
LOS — Length of Stay

CSO — Commissioners Standard Ordinary
MMDA — Money Market Deposit Account
HR — Human Resource
STR — Software Test Report
UR — Utilization Review
ATCF — After Tax Cash Flow
B2B — Business to Businesse
SGA — Substantial Gainful Activity
XHTML — Extensible Hypertext Markup Language
IDP — Internally Displaced Person
BOS — Behavior Observation Scale
WTO — World Tourism Organization
OID — Original Issue Discount
LLLP — Limited Liability Limited Partnership
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
LEPO — Low Exercise Price Option
CIO — Chief Investment Officer
UNA — United Nations Association
DOL — United States Department of Labor
ITF — In Trust For
HR — HUMAN RESOURCES
RESPA — Real Estate Settlement Procedures Act
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
IP — Intellectual Property
SNA — System of National Accounts
NCA — National Cemetery Administration
FNA — Financial needs analysis
EOB — Explanation Of Benefits
UN — United Narions
PRC — Peer Review Committee
CGQ — Corporate Governance Quotient
GIF — Guaranteed Investment Fund
LTIP — Long-Term Incentive Plan
FTD — Federal Tax Deposit
GSI — general salary increase
AO — Authorizing Official
ATB — Across the Board
CPR — Cardio-Pulmonary Resuscitation
SBC — Southwestern Bell Corporation
OSHA — Occupational Safety and Health Act (1970)
APV — Adjusted Present Value
BRI — Basic Rate Interface
IRDA — Insurance Regulatory Development Authority
NTIS — National Technical Information Service Technology Administration
POCS — Points of Contact
PDA — Pregnancy Discrimination Act
CIT — Corporate Income Tax
LPA — Licensed Public Accountant
TAN — Tax Anticipation Note
EOM — End Of Month

IDA — International Development Association
ART — Annual Renewable Term (life insurance)
HUD — Department of Housing and Urban Development (U.S.)
ASEAN — Association of South East Asian Nations
CIX — Commercial Internet Exchange
GR — General Revenue
UNZAP — United Nations Zambia Assistance Programme
CPG — Consumer Packaged Goods
EPZ — Export Processing Zone
PTO — Paid Time Off
PDA — Payday Advance Loan
QMCSO — Qualified Medical Child Support Order
DOH — Days inventory On Hand
SBLI — Savings Bank Life Insurance
DB — Defined Benefit (retirement Plan; For Example, A Pension)
EPTA — Expanded Programme of Technical Assistance
BRIC — Brazil, Russia, India and China
AAA — authentication, authorization, and accounting
FFY — Federal Fiscal Year
RAP — Regulatory Accounting Principles
GL — General Liability
BOOT — Build Own Operate Transfer
PTP — Publicly Traded Partnership
GIF — Graphic Interchange Format
OPM — Office of Personnel Management
WIPO — World Intellectual Property Organization
BCC — Blind Copied
OJT — On-The-Job-Training
IASC — Inter-Agency Standing Committee
OCR — Overall Capitalization Rate
MLR — Medical Loss Ratio
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
QTD — Quarter-to-Date
COD — Cancellation of Debt
CAI — Computer Assisted Instruction
IPCS — International Programme on Chemical Safety
BLM — Bureau of Land Management of United States Department of the Interior
NIH — NATIONAL INSTITUTE OF HEALTH
OAS — Option Adjusted Spread
ASAE — American Society of Association Executives
AMTI — Alternative Minimum Taxable Income
PM — Project Manager
CA — Confidentiality Agreement
PRP — Preferred Risk Policy
EPI — Expanded Programme on Immunization
LTA — Long-Term Agreement
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
RO/RL — Rool on/roll off
GAO — Government Accountability Office [formerly the General Accounting Office]
PHR — Professional in Human Resources Certification

MACRS — Modified Accelerated Cost Recovery System (IRS)
ECA — Economic Commission for Africa
GPO — Government Printing Office
MOM — Message Oriented Middleware
PW — present worth
FICA — Federal Insurance Contribution Act
AOQL — Average Outgoing Quality Level
CSHO — Compliance Safety and Health Officer
CICA — Competition in Contracting Act (1984)
HDML — Handheld Device Markup Language
TAM — Technical Advice Memorandum
PSA — Public Service Announcement (radio/TV Term)
CCP — Certified Compensation Professional
BSM — Black-Scholes-Merton
EXP — Export
DFAS — Defense Financial Accounting Service
CTV — Capital Timber Value
NFIP — National Flood Insurance Program
DPP — Deferred Payment Plan
WRA — Weighted Risk Assets
LWO — Leave without pay
ATP — Accredited Tax Preparer
ROCE — Return On Capital Employed
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
BOT — Balance of Trade
CSA — Cost Sharing Arrangement
MLM — Multi-Level Marketing
SMA — Simple Moving Average
ST — Short-Term
F2F — Face-to-Face Meeting
UNAMIC — United Nations Advance Mission In Cambodia
IANA — Internet Assigned Numbers Authority
CASE — computer-automated software engineering
POQ — Periodic Order Quantity
SEC — Securities and Exchange Commission (US)
SDB — Small Disadvantaged Business
ALEX — AUTOMATED LABOR EXCHANGE
ABA — Accredited Business Accountant
FAK — Freight all kinds
FRB — Federal Reserve Board
BCP — Business Continuity Plan
ROOA — Return on Operating Assets
MVIC — Market Value of Invested Capital
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
UIC — Unemployment Insurance Commission (Canada, archaic)
RTW — Return To Work
NOI — Net Operating Income
B&O — Business and Occupation
HR&A — Human Resources and Administration
UNCIP — United Nations Commission for India and Pakistan

ESI — Electronically Stored Information
GOV — Government Owned Vehicle
CBCMC — Clinical Bar Code Multidisciplinary Committee
ROW — Right-Of-Way
EA — Enrolled Agent
APR — Annual Percentage Rate
CRM — Client Relationship Management
NCUSIF — National Credit Union Share Insurance Fund
WRKSHP — Workshop
LFY — Last Fiscal Year
VIE — Variable Interest Entity
JPEG — Joint Photographic Experts Group (24-bit image storage format)
UPU — Universal Postal Union
STSFCTN — Satisfaction
SCORE — Service Corps Of Retired Executives
CORBA — Common Object Request Broker Architecture
COE — Certificate of Eligibility
LOR — Letter Of Response
WMO — World Meteorological Organization (ICSU)
LTD — Limited
B.A. — Bachelor of Arts
PLR — Private Letter Ruling
DPA — Department of Political Affairs
BAT — Business Activity Tax
NAVPS — Net Asset Value Per Share
MER — Management Expense Ratio
CHRO — Chief Human Resource Officer
BIS — Bank of International Settlements
DM — Direct Mail
AGC — Associated General Contractors of America
CAD — Cash Available for Distribution
DTI — Department of Trade and Industry (UK)
VA — Veterans Administration
PEO — Professional Employer Organization
DRP — Disaster Recovery Plan
CBOT — Chicago Board of Trade
CROGI — Cash Return on Gross Investment
ERS — Economic Research Service
DUNS — Data Universal Numbering System
WHA — World Health Assembly
DOC — Doctor
FRS — Federal Reserve System
DOL — Degree of Operating Leverage
HHS — Health and Human Services Department
ADEA — Age Discrimination in Employment Act's
CMA — Certified Management Accountant
LC — Limited Company
TVM — Time Value of Money
DIP — Debtor In Possession
SB — Senate Bill

FFIEC — Federal Financial Institutions Examination Council
LAR — Legislative Appropriations Request
TTD — Temporary Total Disability
BDC — Business Development Center
RE — Residual Earnings
RISC — Reduced Instruction Set Computer
CPIC — Capital Planning and Investment Control
PILOT — Payment In Lieu Of Taxes
CUPA — College and University Personnel Association
MLR — Monthly Labor Review
GA — General Agent
ECOSOC — Economic and Social Council of the United Nations
CODASYL — Committee on Data Systems Languages
ICJ — International Court of Justice
TPD — Temporary Partial Disability
SOA — Service-Oriented Architecture
DIO — Days Inventory Outstanding
CAE — Certified Association Executive
POP — Public Offering Price
WTO — World Trade Organisation
NCOA — National Change Of Address
REC — Renewable Energy Certificate
KSAO — Knowledge, Skills, Abilities and Other
PCI — Per Capita Income
SEO — Search Engine Optimizer
T&C — Terms & Conditions
ACC — Administrative Committee on Coordination
ILIT — Irrevocable Life Insurance Trust
ASU — Accounting Standards Update
FMLA — Family and Medical Leave Act
A/P — Accounts Payable
CSF — Critical Success Factor
A/R — Accounts Receivable
DFL — Degree of Financial Leverage
SSA — Social Security Administration
IBNR — Incurred But Not Reported
NOW — Negotiable Order of Withdrawal
GE — General Electric American Communications Inc.
FASB — Financial Accounting Standards Board
RR — Revenue Ruling
IPTF — International Police Task Force
FRV — Fair Rental Value
CC — Civil Code
IFAD — International Fund for Agricultural Development (UN)
CK — Calvin Klein
ATR — Americans for Tax Reform
SOP — Statement Of Position
MUPLA — Model Uniform Products Liability Act
SOL — Statute of Limitations
ATOI — After Tax Operating Income

SIPC — Securities Investor Protection Corporation
EEPROM — Electric Erasable Programmable Read Only Memory
LSE — London Stock Exchange
SOS — Sound On Sound
GPM — Graduated Payment Mortgage
EISA — Extended Industry Standard Architecture
FSS — Federal Supply Schedule
REI — Recreational Equipment, Inc.
LOB — Line-Of-Balance
ILAB — Bureau of International Labor Affairs
ALJ — Administrative Law Judge
STP — Software Test Plan
ECB — European Central Bank
FSI — Free Standing Insert
PIK — Payment in Kind
SUTA — State Unemployment Tax Act
AACU — American Association of Colleges and Universities
RIA — Registered Investment Advisor
MLD — Market-linked deposit
ASTD — American Society for Training and Development
LCA — Labor Condition Application
COI — Conflict Of Interest
DOI — Date of Injury
MIME — Multipurpose Internet Mail Extension
SC — Securities Commission
EIS — Environmental Impact Statement (US)
NL — No-Load
TIP — Transportation Improvement Program
PDQ — Position Description Questionnaire
CFE — Certified Financial Examiner
FITW — Federal Income Tax Withholding
POS — Point of Service Plan
TPL — Third-Party Liability
INSARAG — International Search and Rescue Advisory Group
AEI — American Enterprise Institute
SBAP — Small Business Assistance Program
GICS — Global Industry Classification Standards
ADC — Acquisition, Development, and Construction
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
GST — Goods and Services Taxation
WT — Warrant
DBMS — Data Base Management System
CSO — Central Statistical Organisation
ROFR — Right of First Refusal (finance)
CNF — Cost, not freight
CDI — Category Development Index
ECP — Engineering Change Proposals
FHLB — Federal Home Loan Bank
TEV — Total Enterprise Value
FHA — Federal Housing Administration

REV. PROC. — Revenue Procedure
CIF — Cost, Insurance, and Freight (Paid) (shipping)
GAAP — Generally Accepted Accounting Principles
SE — Self Employed
FFO — Funds from operations
ATB — Accountants Trial Balance
SEPA — Single Euro Payments Area
ITC — Information Technology Conference
OTS — Office of Thrift Supervision
DPI — Department of Public Information
SNF — Skilled Nursing Facility
IIA — Institute of Internal Auditors
EGM — Extraordinary General Meeting
CEU — Continuing Education Unit
EOI — Evidence of Insurability
CFC — Chartered Financial Consultant
NAICS — North American Industry Classification System
IME — Independent Medical Examination
KYC — Know-your-customer
OASDI — Old Age and Survivors Disability Insurance
MSA — Merit Salary Adjustment
WIP — Work In Progress (process)
ABF — Asset-Based Financing
HFA — Housing Finance Agency
SNE — Salaried Non-Exempt
BID — Business Improvement District
AFTP — Anonymous File Transfer Protocol
EOI — Expression Of Interest
CUM DIV — Cumulative dividend
L/C — Letter of Credit
ROP — Run of Press
ESO — Employee Stock Option
AL — Assisted Living
ISO — Independent Sales Organization
CESA — Coverdell education savings account
ECM — Excess cash margin
EMS — Eastern Mountain Sports
RIC — Regulated Investment Company
ITIL — Information Technology Infrastructure Library
PLM — Product Lifecycle Management
LT — Lead Time
ISO — Incentive Stock Option
NAFTA — North American Free Trade Agreement
CPO — Chief of Purchasing Office
NAR — National Association of Realtors
CERD — Committee on the Elimination of Racial Discrimination
MRO — Maintenance, repair, and overhaul
FCFE — Free Cash Flow to Equity
UL — Universal Life
DAGMAR — Defining Advertising Goals for Measured Advertising Results

FCF — Free Cash Flow
WAP — Wireless Application Protocol
FWT — Federal Withholding Tax
FS — Financial Statement
ADJ — Adjust
IRA — Individual Retirement Arrangement
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
FHLMC — Federal Home Loan Mortgage Corporation, United States
SS — Social Security
ECI — Employment Cost Index
OL — Operating Liabilities
MANOVA — Multivariate Analysis of Variance
FMV — Fair Market Value
BRE — Business Reply Envelope
NSA — Not Seasonally Adjusted
MOH — Music On Hold
BOT — Board of Trustees
ICQ — Internal Control Questionnaire
SA — Seasonally Adjusted
MLP — Master Limited Partnership
EOU — Export Oriented Unit
LEC — Local Exchange Carrier
CFAT — Cash Flow After Taxes
UNMISET — United Nations Mission of Support in East Timor
AFR — Applicable Federal Rate
AIDA — Attention, Interest, Desire, Action
BDI — Brand Development Index
SAT — Scholastic Aptitude Test
FERC — Federal Energy Regulatory Commission (U.S.)
A&S — Accident and sickness insurance
FUTA — Federal Unemployment Tax Act
POP — Premium Only Plan
ICANN — Internet Corporation for Assigned Names and Numbers
AD & D — Accidental Death and Dismemberment
REV. RUL. — Revenue Ruling
CAFR — Comprehensive Annual Financial Report
ISSA — International Securities Services Association
UNHCR — United Nations High Commissioner for Refugees Program
PE — Price-earnings ratio
ELP — Electing large partnership
NASDAQ — National Association for Security Dealers and Automatic Quotation
UNCED — United Nations Conference on Environment and Development
CIC — Consumer Information Center
MAS — Multiple-Award Schedule
IBR — Income-based repayment
DCAP — Dependent Care Assistance Program
BBB — Better Business Bureau's
ACP — Average Contribution Percentage
TAMRA — Technical and Miscellaneous Revenue Act of 1988
SPE — Special Purpose Entity

DTL — Deferred Tax Liability
VDT — Video Display Terminal
OCF — Operating Cash Flow
AAG — Audit and accounting guides
CIMC — Certified Investment Management Consultant
AIA — American Institute of Architecture
MBDA — Minority Business Development Agency
MLP — Minimum lease payments
CMBS — Commercial mortgage-backed securities
ECP — Emergency Conservation Program
CFIUS — Committee on Foreign Investment in United States
CLU — Chartered Life Underwriter
CGA — Charitable Gift Annuity
AMPS — Auction Market Preferred Stock
BAT — Business Action Theory
SSI — Supplemental Security Income
CFP — Certified Financial PlannerTM
B&P — Bid & Proposal
EBRI — Employee Benefit Research Institute
OIOS — Office of Internal Oversight Services
URO — Utilization Review Organization
LYON — Liquid Yield Option Note
AJB — America’s Job Bank
ACASTD — Advisory Committee on the Application of Science and Technology to Development
VAT — Value-added taxes
CAM — Common Area Maintenance (charges related to commercial leases)
CNS — Continuous Net Settlement
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
SEP — Simplified Employee Pension
AA — Adverse Action
NQDC — Nonqualified deferred compensation
RBM — Roll Back Malaria
CPA — Comprehensive Plan of Action
IAP — Initial advance payment
FCB — Foote Cone & Belding
FSLIC — Federal Savings & Loan Insurance Corporation
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
CBIT — Comprehensive Business Income Tax
DRO — Domestic Relations Order
PERL — Practical Extraction and Report Language
DBT — Days Beyond Terms
INC. — Incorporated
AR — Accounts Receivable
AIME — Average Index Monthly Earnings
ISA — International Seabed Authority
AFP — Association for Financial Professionals
AAAA — American Association of Advertising Agencies
ETN — Exchange Traded Note
CBA — Controlled Business Arrangement

UCI — Unemployment Compensation Insurance
ECF — Extended Care Facility
FSLMRA — Federal Service Labor-Management Relations Act
CODA — Cash or Deferred Arrangement (401K)
DW — Dislocated Worker
ADEA — Age Discrimination and Employment Act
D&F — Determination & Finding
D&O — Directors and Officers Liability
NMS — Normal Market Size
A/E — Accured expense
ROA — Return on assets
F&F — Furniture & Fixtures
QSF — Qualified Settlement Fund
NAIC — National Association of Insurance Commissioners
CGMA — Chartered Global Management Accountant
UTMA — Uniform Transfers to Minors Act
NAAS — Network as a Service
OER — Operation Expense Ratio
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
NMFC — National Motor Freight Classification
C&D — Cease and Desist
ATA — Accredited Tax Advisor
PTE — Pass-Through Entity
LF — Labor Force
NCSA — National Center for Supercomputing Applications
TSR — Terminate and Stay Resident [software program]
T&D — Training and Development
PCAOB — Public Company Accounting Oversight Board
PITI — Principal, Interest, Taxes, and Insurance
AX — Armani Exchange
SLS — Sales
CMMI — Capability Maturity Model Integrated
PSC — Personal Service Corporation
BRC — Business Reply Card
LTL — Less Than Truckload Lot
B2C — Business to Consumer
CPSC — Consumer Products Safety Commission
PAAS — Platform-as-a-Service
MTC — Multistate Tax Commission
LCM — Lower of Cost or Market
MRD — Minimum Required Distribution
GIM — Gross Income Multiplier
SMA — Separately Managed Account
TIC — Tenant In Common
SAR — Summary Annual Report
FACCT — Foundation for Accountability
TDB — Temporary Disability Benefits
SFH — Single Family Home
EIC — Earned Income Credit
COST — Council on State Taxation

ITBAT — IT Budget Analysis Team
YRT — Yearly Renewable Term
A/E — Architect/Engineer
CMYK — Cyan, Magenta, Yellow, Black
ALC — Alien Labor Certification
SERP — Supplemental Executive Retirement Plan
ADR — Asset Depreciation Range (finance)
BPC — Business Planning Cycle
UNCTAD — United Nations Conference on Trade and Development
SEA — Securities Exchange Act
CEPS — Cash Earnings Per Share
AMTFTC — Alternative minimum tax foreign tax credit
CC — Capital Contribution
LINTAS — Levers International Advertising Services
ROS — Run Of Schedule
IMRB — Indian Market Research Bureau
SCA — Service Contract Act
OSG — Office of the Secretary-General
DAPT — Domestic Asset Protection Trust
CCL — Center for Creative Leadership
NSA — National Society of Accountants
MCI — Microwave Communications Incorporated
UCR — Usual, Customary and Reasonable Fees
TSR — Tactical Studies Rules
HDR — Humanitarian Daily Ration
MLS — Mass Layoff Statistics
MTTR — Mean Time To Recovery
PR — Public Relations
REG. — Regulation
UPE — Unreimbursed Partnership Expenses
BRD — Business Requirements Documentation
TCBY — The Country's Best Yogurt
SPAC — Special-purpose acquisition company
WHD — World Habitat Day
SIV — Structured Investment Vehicle
CGT — Capital Gains Tax
ESA — Coverdell education savings account
EBO — Employee Buyout
TRA — Tax Reform Act
SSB — Securities Supervisory Board
BBDO — Batten, Barton, Durstine & Osborn
MOF — Ministry Of Finance
NSX — National Stock Exchange
HRM — Human Resource Management
XBRL — Extensible Business Reporting Language
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
ABV — Accredited in Business Valuation
JOLTS — Job Openings and Labor Turnover Survey
AE — Actual Expense
IFC — International Finance Corporation

DAC — Delivery Against Cost
PTA — Preferential Trade Arrangement
DESIPA — Department for Economic and Social Information and Policy Analysis
CRC — Committee on the Rights of the Child
ECOWAS — Economic Community of West African States
DSPP — Direct Stock Purchase Plan
NRF — National Retail Federation
DPO — Days payables outstanding
CFS — Container Freight Station
DRTV — Direct Response Television
PSI — Performance Salary Increase
OB — Office of Budget
UNHCHR — United Nations High Commissioner for Human Rights
GPO — Guaranteed Purchase Option
CDFI — Community Development Financial Institution
NAAEC — North American Agreement on Environmental Cooperation
ITARS — IT Acquisition Request System
CFTC — Commodity Futures Trading Commission
AWW — average weekly wage
W/C — Working Capital
CLAT — Charitable Lead Annuity Trust
HSBC — Household Bank Corporation
PIC — Prior Informed Consent
SEM — Shared-Equity Mortgage
EFW — Electronic Funds Withdrawal
PBGC — Pension Benefit Guaranty Corporation
FRA — Full Retirement Age
MST — Marketable Securities Tax
ATO — Administrative Time Off
FPML — Financial Products Markup Language
CEBS — Certified Employee Benefits Specialist
FICCI — Federation of Indian Chamber of Commerce and Industry
AAPC — Accounting and Auditing Policy Committee
RCN — Replacement Cost New
NOL — Net Operating Loss
HECM — Home Equity Conversion Mortgage
ECOMOG — Economic Community of West African States' Monitoring Observer Group
EAR — Export Administration Regulations
ASG — Assistant Secretary General
CISSP — Certified Information Systems Security Professional
WTW — Welfare-to-Work
FP — Fixed Price
EBSA — Employee Benefits Security Administration
HDAPT — Hybrid domestic asset protection trust
NIOSH — National Institute of Occupational Safety and Health's
UNICRI — United Nations Interregional Crime and Justice Research Institute
PGI — Potential Gross Income
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
AA — Author Alteration
LDI — Liability Driven Investment

RSI — Relative Strength Indicator
DCPP — Defined Contribution Pension Plan
DBO — Death Benefit Only
NDNH — National Directory of New Hires
NRE — Net realizable equity
NSF — Not Sufficient Funds
FNMA — Federal National Mortgage Association
VOPAN — Voice Pitch Analysis
EGI — Effective Gross Income
GNMA — Government National Mortgage Association
CRAFT — Computerised Relative Allocation of Facilities Techniques
BTT — Business Transfer Tax
CUSIP — The Committee Of Uniform Security Identification Procedures
HFS — Hold for sale
SESA — State Employment Security Agency
PUD — Planned Unit Development
NLRA — National Labor Relations Act
MTL — Multi-Level Marketing
QAI — Quality Assurance International
S&P — Standard & Poor's
DOLETA — Department of Labor Employment and Training Administration
ADS — Alternative Depreciation System
MRPS — Mandatorily redeemable preferred stock
CVLI — Cash Value Life Insurance
ECOA — E-Mail Change of Address
USG — Under Secretary General
FIE — Foreign-Invested Enterprise
EITC — Earned Income Tax Credit
RAN — Revenue Anticipation Note
DCAA — (U.S.) Defense Contract Audit Agency
SIAP — Statistical Institute for Asia and the Pacific
AFICS — Association of Former International Civil Servants
BPM — Business Performance Management
SDI — State Disability Insurance
UNISPAL — United Nations Information System on the question of Palestine
SAAR — Seasonally Adjusted Annual Rate
PING — Pocket Internet Gopher
ALBM — Automated Lending and Borrowing Mechanism
DHL — Dag Hammarskjöld Library
SWOT — Strengths, Weaknesses, Opportunities and Threats
ECU — Emergency Coordination Unit
CEA — Chief Enterprise Architect
DINKS — Dual Income, No Kids
CPLTD — Current portion of long-term debt
JEC — Joint Economic Committee
ECOA — Equal Credit Opportunity Act
PCFRC — Private Company Financial Reporting Committee
IBEW — International Brotherhood of Electrical Workers
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
C-TPAT — Customs-Trade Industry Against Terrorism

IDA — Industrial Development Authority
AGT — Agent
OC — Opportunity Cost
HC — Humanitarian Coordinator
SOC — Standard Occupational Classification
AFTS — Automatic Funds Transfer Services
BTCF — Before Tax Cash Flow
PCCM — Percentage-of-completion/capitalized cost method
PHI — Protected Health Information
ROA — Regional Office for Africa
BIA — Business Impact Analysis
ABCP — Asset Backed Commerical Paper
ACP — Actual deferral percentage
ISO — International Standard Organisation
TRUPS — Trust Preferred Securities
RTN — Routing Transit Number
FSA — Farm Service Agency
OHCHR — Office of the United Nations High Commissioner for Human Rights
RFPA — Right to Financial Privacy Act of 1978
UNFCCC — United Nations Framework Convention on Climate Change
ESOT — employee stock ownership trust
MSI — Multiple Streams of Income
ROU — Right of Use
MCC — Mortgage Credit Certificate
VHA — Veterans Health Administration's
ROC — Rate of Change
LTC — Long-Term Care
ERM — Enterprise Risk Management
PWC — Public Works Commission
STAR — Satellite Television Asian Region, Ltd.
RSA — Rivest-Shamir-Adleman
CEDAW — Committee on the Elimination of Discrimination against Women
SSD — Social Security Disability
LOS — Law Of The Sea
ESS — Employee Self-Service System
FMCS — Federal Mediation and Conciliation Service
BOC — Budget Object Code
HC — human capital
MOTO — Mail order-telephone order
PPE — Property, Plant and Equipment
PVFC — Prepaid variable forward contract
IASB — International Accounting Standards Board
HCO — Health Care Organization
SIFMA — Securities Industry and Financial Markets Association
SIB — Securities and Investment Board
NVI — Negative Volume Index
CETA — Comprehensive Employment and Training Act of 1975
CCI — Consumer Confidence Index
DVA — Debt value adjustment
HPI — Human Poverty Index

ZEN — Zero Effort Network
DFEH — Department of Fair Employment and Housing's
ACV — Account Current Value
BOI — Business Object Interface
BONUCA — United Nations Peace-Building Office in the Central African Republic
TWA — Time Weighted Averages
LT — Long Terme
BPD — barrels per day
DIC — Document Identifier Code
FVO — Fair Value Option
TRASOP — Tax Reduction Act ESOP
VEBA — Voluntary Employees' Beneficiary Association
ERTA — Economic Recovery Tax Act
IAM — Identity and Access Management
OCC — Office of the Comptroller of the Currency
SRA — Supplemental Retirement Annuity
NASBA — National Association of State Boards of Accountancy
UNDOF — United Nations Disengagement Observer Force
GTL — Group Term Life Insurance.
CEA — Commodity Exchange Authority
NPA — Non-Performing Assets
MRQ — Most Recent Quarter
BCFD — Billion Cubic Feet per Day
VA — Veterans Affairs
UNCC — United Nations Compensation Commission
ASCI — Advertising & Standards Council of India
WFC — World Food Council
UNCT — United Nations Country Team
NNTP — Network News Transport Protocol (ATM)
EPCM — Exempt-contract, percentage-of-completion method
REA — Return on assets
ESA — Employment Standards Administration
CB — Carryback
WPI — Wholesale Price Index
ITMP — Information Technology Management Program
CSV — Cash Surrender Value
QPRT — Qualified Personal Residence Trust
UNCITRAL — United Nations Commission On International Trade Law
CSO — Chief Security Officer
SBA — Small Business Administrations
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
USF — Usable Square Feet
ILO — International Labor Organization (UN)
SDD — Software Design and Development
DMFAS — Debt Management and Financial Analysis System
RFA — Regulatory Flexibility Act (US)
HUDCO — Housing and Urban Development Corporation Limited
SHRM — Society for Human Resource Management's
OCHA — Office for the Coordination of Humanitarian Affairs
HRIS — Human Resource Information System

GAAC — Government Accounting and Auditing Committee
CSE — Customer Service Environment
SLOB — Separate Line of Business
NSA — National Safety Associates
HCM — Human Capital Management
IPA — Inflation Protected Annuity
ICPD — International Conference on Population and Development
DUA — Disaster Unemployment Assistance
EIA — Equity Indexed Annuity
TBC — To Be Contested
UNPD — United Nations Population Division
BHC — Bank Holding Company
COHRS — Central Office Human Resources Service
UNCCD — United Nations Convention to Combat Desertification
SSVS — Statement on Standards for Valuation Services
NNN — Net Net Net
NPT — Non-Proliferation Treaty
CBL — Common Business Language
EPPA — Employee Polygraph Protection Act
EVM — Earned Value Management
PAM — Pledged Account Mortgage
OASDHI — Old Age, Survivors, Disability, and Health Insurance
PIA — Primary Insurance Amount
EMP — Environmental Planning and Management
FOM — Field Operations Manual
NCCI — National Council on Compensation Insurance
HRD — Human Resource Development
FEA — Fair Employment Act
CEMP — Comprehensive Emergency Management Program
ASF — American Securitization Forum
VA — Variable Annuity
SMSA — Standard Metropolitan Statistical Area
FEIN — Federal Employment Identification Number
VSOE — Vendor-Specific Objective Evidence
CEBS — Certified Employee Benefit Specialist
SB/SDB — Small Business/Small Disadvantaged Business
TESSA — Tax-Exempt Special Savings Account
BPM — business process management
ABMS — Activities Based Management System
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
DOM — Distributed Order Management
ROAE — Return on Assets Employed
PAR — Public Accounting Report
CICP — Centre for International Crime Prevention
PBT — Profit Before Tax
STTR — Small Business Technology Transfer
MSP — Managed Service Provider
ECM — Enterprise Content Management
ESOP — Employee Stock Option Plan
LTI — Long-term incentive

CHB — Custom House Broker
NCUA — National Credit Union Administration
UNCDF — United Nations Capital Development Fund
DWC — Days working capital
CS — Cost-Sharing
CI — Contract Item
UNCHS — United Nations Centre for Human Settlements
DII — Days in Inventory
CIA — Certified Internal Auditor (US)
EAPA — Employee Assistance Professionals Association, Inc
FMR — Fair Market Rental
CRUT — Charitable Remainder Unitrust
BOA — Basic Ordering Agreement
LAIA — Latin American Integration Association
SPD — Summary Plan Description
ALV — Average Lease Value (Cars)
OM — Options Market
0DSAC — 90 days, same as cash
DOT — Dictionary of Occupational Titles
FCCPA — Federal Consumer Credit Protection Act of 1968
GIC — Guaranteed Investment Contract
TSP — Thrift Savings Plan
VUL — Variable Universal Life
UTLZTN — Utilization
VAO — Virtual Acquisition Office
GAO — Government Accounting Office
CAPS — Convertible Adjustable Preferred Stock
WCEFA — World Conference on Education for All
IASC — International Accounting Standards Committee
MSB — Money Service Businesses
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
QBU — Qualified Business Unit
TA — Technology Assessment
MBS — mortgage backed security
BOP — businessowners policy
AAGR — Annual average growth rate
ICTY — International Criminal Tribunal for the Former Yugoslavia
ADI — Area of Dominant Influence
UNAMSIL — United Nations Mission In Sierra Leone
ESL — English as a second language
NABA — National Association of Black Accountants, Inc.
UNCCP — United Nations Conciliation Commission for Palestine
FIA — Federal Insurance Administration
CFA — Committee on Food Aid Policies and Programmes
IOS — International Organization for Standards
C2C — Customer to Customer
INA — Immigration and Naturalization Act
MLA — Minimum Liquid Assets
DAF — Donor Advised Fund
APB — Accounting Principles Board's

CFC — Court of Federal Claims
ACABQ — Advisory Committee on Administrative and Budgetary Questions
C&I — Commercial and industrial customers (Electricity transmission)
YOY — Year-over-year
EAC — Employee Advisory Committee
ASPPA — American Society of Pension Professionals & Actuaries
CLUT — Charitable Lead Unitrust
COSO — Committee of Sponsoring Organizations
ALTA — American Land Title Transfer
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
VSOP — Very Special Old Pale
UNIIMOG — United Nations Iran-Iraq Military Observer Group
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
ZBB — Zero-based budgeting
AFN — Additional Funds Needed
UNVFVT — United Nations Voluntary Fund for Victims of Torture
ICM — Incentive Compensation Management
COL — Cost Of Living
INSTRAW — International Research and Training Institute for the Advancement of Women
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
GEF — Global Environmental Facility (environment)
ARS — Auction Rate Securities
CPDO — Constant Proportion Debt Obligation
OLA — Office of Legal Affairs
CPFFC — Cost-plus-fixed-fee contract
FACHE — Fellow in American College of Healthcare Executives
NACUBO — National Association of College & University Business Organizations
ECAB — Employee's Compensation Appeals Board
WAI — Wealth Added Index
UDITPA — Uniform Division of Income for Tax Purposes Act
CPE — Continuing Professional Educational
TCOE — Total Cost of Equity
DAN — Depositor Account Number
UNITAR — United Nations Institute for Training and Research
WI — Working Interest
AFC — Average fixed costs
PERAB — President's Economic Recovery Advisory Board
CMSA — Consolidated Metropolitan Statistical Area
DDSN — Demand-driven supply networks
FCA — Farm Credit Administration
RIM — Retail Inventory Method
ICC — International Chamber of Commerce
BAT — Budget Advisory Team
VOCC — Vessel Operating Common Carriers
ATU — Annual Tax Unit
ACFE — Advisory Committee on Forestry Education
FECA — Federal Employer’s Compensation Act
LEO — Long-term Equity Options
AMC — Appraisal Management Companies
HP — Hewlett Packard's

BRICS — Brazil, Russia, India, China and South Africa
PEG — Price to Earnings Growth
ICSAB — International Civil Service Advisory Board
UC — Unemployment Compensation
EDGAR — Electronic Data Gathering, Analysis and Retrieval
UNCIVPOL — United Nations Civilian Police
TTL — Total Linhas Aéreas
CE — Continuing Education
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
EPROM — Electrically Programmable Read Only Memory
QME — Qualified Medical Examiner
WRLDWD — Worldwide
IAS — International Accounting Standards
GLA — Gross Leaseable Area
CFOC — Chief Financial Officers Council
PIM — Product Information Management
CGL — Comprehensive General Liability
CAT — Commercial Activity Tax
SSUTA — Streamlined Sales and Use Tax Agreement
ABC — Audit Bureau of Circulations Inc.
ACW — African Centre for Women
IMR — Information Management Research
PA — Public Accountant
ITOC — Information Technology Oversight & Compliance
NDA — Nondisclosure Agreement
JTPA — Job Training Partnership Act
ICDC — International Child Development Centre
UNCSW — United Nations Commission on the Status of Women
SS — Safety Stock
WIDER — United Nations University World Institute for Development Economics Research
ICGFI — International Consultative Group on Food Irradiation
TAB — Tax Anticipation Bill
ILC — International Law Commission
PTAC — Procurement Technical Assistance Center
QJSA — Qualified Joint and Survivor Annuity
CNC — Currently Not Collectible
OD — Organizational Development
ERM — Enterprise Resource Management
TPA — Third Party Administrator
ITSM — Information Technology Service Management
HCA — head of contracting activity; humanitarian and civic assistance
DCAP — Dependent Care Assistance Plan
BML — Bean Markup Language
SMLLC — Single Member Limited Liability Company
RJP — Realistic Job Preview
CAA — Congressional Accountability Act
RTW — Right to Work
NRI — Net Rising Index
YAHOO — You Are Hazy Over Oranges
GMIB — Guaranteed Minimum Income Benefit

CPP — Consumer Preferences and Policy
EDI — Electronic Date Interchange
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
CEA — Certificate of Educational Achievement
TIF — Tax Increment Financing
MBE — Mortgage banking enterprise
SMM — Summary of material modifications
OP — Order Point
SITC — Standard International Trade Classification
COFI — Cost of Funds Index
OR — Operations research
ICSC — International Civil Service Commission
IPS — Inflation Protected Security
ABLOS — Advisory Board on the Law of the Sea
CSCS — Computer Software Components
OI&T — Office of Information and Technology
TSA — Tax-sheltered annuity
EMT — Executive Management Team
ATB — Adjusted Trial Balance
USAA — United Services Automobile Association's
SDVOSB — Service-Disabled Veteran-Owned Small Business
DFI — Derivative Financial Instrument
FCCC — For the Framework Convention on Climate Change
CPHR — California Professional in Human Resources Certification
ITAM — IT asset management
FAME — Facilities Maintenance Engineering
3COM — Computer, Communications and Compatibility
NRMLA — National Reverse Mortgage Lenders Association
CLA — Cross-Licensing Agreement
(X) — Export
ROC — Return on Capital
CRM — Credit Risk Management
UNOMIG — United Nations Observer Mission In Georgia
HRMS — Human Resource Management System
LCL — Less than Carload Lot
FACT — Fair and Accurate Credit Transactions Act of 2003
IAG — International Auditing Guidelines
MCC — Merchant category codes
CCA — Consolidated Contracting Activity
JPO — Junior Professional Officer
INS — Immigration & Naturalization Service
SARSEP — Salary Reduction Simplified Employee Pension Plan
SMI — Supplemental Medical Insurance (US Medicare Part B)
DUSB — Deputy Undersecretary for Benefits
CO — Compliance Officer
TOD — Transfer on death
HCTC — Health Coverage Tax Credit
IUC — Information Unit for Conventions
ITAC — Information Technology Advisory Committee
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders

AFE — Average Funds Employed
BCS — Business Case Study
UMB — United Missouri Bank
CAPP — Cash Account Pension Plan
QR — Quality Review
NFFE — Nonfinancial foreign entity
MUD — Multiple User Dungeon
CEC — Continuing Education Center
UAW — United Auto Workers
COCA — Cost of capital allowance
D&B — Dun & Bradstreet
CHL — Customs house license
AET — Accumulated Earnings Tax
AC — Acceleration Clause
TL — Time & Labor
BSNL — Bharath Sanchar Nigam Limited
LCC — Life Cycle Cost
UNTEA — United Nations Temporary Executive Authority
VXML — Voice eXtensible Markup Language
REMIC — Real Estate Mortgage Investment Conduit
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
QSPE — Qualified special purpose entity
FMC — Federal Maritime Commission's
UNIFIL — United Nations Interim Force In Lebanon
EIC — Earned Income Tax Credit
SDNP — Sustainable Development Networking Programme
EFTA — European Free Trade Area
CIPP/G — Certified Information Privacy Professional/Government
STF — Summary Tape File
ADP — Attention Dial Pulse
CPP — Cost Per rating Point
GSR — General Securities Representative
LEI — Leading Economic Indicators
HAFA — Home Affordable Foreclosure Alternative program
AATF — Airport and Airway Trust Fund
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
OOB — OOS out of business
LR — Labor Relations
SSBIC — Specialized Small Business Investment Company
CEA — Council of Economic Advisors
ISM — Interactive Studio Management
ETC — Estimate To Completion
HWRP — Hydrology and Water Resources Programme
AML — Adjustable Mortgage Loan
UNIPTF — United Nations International Police Task Force
HRIS — Human Resources Information System
ADP — Applicable Distribution Period
SCM — Supply Chain Management
RI — Royalty Interest
BRM — Business Reference Model

WRC — World Radiocommunication Conference
DUS — Dollar Unit Sampling
UNDAF — United Nations Development Assistance Framework
UNRISD — United Nations Research Institute for Social Development
KSA — Knowledge, Skills, Abilities
UNEF — United Nations Emergency Force
UTC — Uniform Trust Code
GRID — Global Resource Information Database (UNEP)
LHWCA — Longshore and Harbor Worker’s Compensation Act
EDP — Employee Development Plan
CCPA — Consumer Credit Protection Act
ECR — Executive Conference Room
MAGI — Modified Adjusted Gross Income
SRSG — Special Representative of the Secretary-General
CCPOQ — Consultative Committee on Programme and Operational Questions
AIC — Architecture and Infrastructure Committee
FASIT — Financial asset securitization investment trusts
FSR — Financial Strength Rating
DIT — Deposit in Transit
NAC — National Acquisition Center
GSTP — Global System of Trade Preferences
DAW — Division for the Advancement of Women
UNOMUR — United Nations Observer Mission Uganda-Rwanda
LDW — Last Day Worked
SFOR — Stabilization Force
CIK — Central index keys
VWAP — Value Weighted Average Price
REA — Retirement Equity Act
CHFC — Chartered Financial Consultant
BEIT — Business Enterprise Income Tax
OOH — Occupational Outlook Handbook
MMC — Money market certificate of deposit
OFCCP — Office of Federal Contract Compliance Programs
MTB — Motor transportation broker
OCP — Overland Common Point
HRA — Health Reimbursement Account
GPHR — Global Professional in Human Resources
DNAMTI — Distributable Net Alternative Minimum Taxable Income
DVOP — Disabled Veterans Outreach Program
PCE — Personal consumption expenditure; personal consumption expenditure deflator
ARR — Average Rate of Return
LOC — Letter of Comment
UNCRD — United Nations Centre for Regional Development
SSDI — Social Security Disability Insurance
IAF — Inflation Adjustment Factor
CCM — Completed Contract Method
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
F&C — Free and Clear
ITS — Intermarket Trading System
MTM — Market to Market

IRP — Industry Risk Premium
TC — Trusteeship Council (UN)
ESAF — Enhanced Structural Adjustment Facility
FOK — Fill-or-kill order
LEAF — Logistics, Engineering, Acquisition, and Finance
UNDHL — United Nations Dag Hammarskjölds Library
OSSG — Office of the Spokesman for the Secretary-General
CSD — Commission for Social Development
BET — Business entity tax
PMSA — Primary Metropolitan Statistical Area
UNOMIL — United Nations Observer Mission In Liberia
CBFA — Committee on Budget, Finance and Administration
IDNDR — International Decade for Natural Disaster Reduction
SBRB — Small Business Research Board
BAA — Business Associate Agreement
ILC — Industrial Loan Company
DMB&B — D'arcy Masius Benton & Bowles
QWL — Quality of Work Life
EECB — Executive E-mail Carpet Bomb
EMV — Europay, Master Card and Visa
VWAP — Volume-weighted average price
COLI — Cost of Living Index
UNOG — United Nations Office at Geneva
SEPED — Social Development and Poverty Elimination Division
SSBCI — State Small Business Credit Initiative
FRS — Functional Requirements Specifications
WARN — Worker Adjustment and Retraining Notification Act of 1988
CSD — Commission on Sustainable Development's
WRAEA — Workforce Reinvestment and Adult Education Act
PIPE — Public investment in private equity
HRA — Health Reimbursement Arrangement
AFB — American Farm Bureau, Inc.
IAB — Internet Advertising Bureau
UNJSPF — United Nations Joint Staff Pension Fund
FEI — Financial Executives Institute
DBPP — Defined Benefit Pension Plan
SME — Small- to medium-sized entities
COP — Conference of the Parties
GTOS — Global Terrestrial Observing System
NRD — Normal Retirement Date
FLP — Family Limited Partnership
FMHA — Farmers Home Administration
IRD — Income in respect of a decedent
OR — Operating revenue
GASB — Governmental Accounting Standards Board
CFBT — Cash flow before taxes
SSOP — Second Surgical Opinion Program
WBG — World Bank Group
MDIB — Minimum Distribution Incidental Benefit
CODI — Cancellation of Debt Income

DPSP — Deferred Profit Sharing Plan
HQS — Housing Quality Standards
BCA — Board of Contract Appeals
CPC — Committee for Programme and Coordination
BDI — Behavioral Description Interview
ZEN — Zero Engine Noise
ASBL — American Small Business League
FAS — Financial Accounting Standards
B.S. — Bachelor of Science
CBI — Compliance and Business Integrity
SBC — Summary of Benefits and Coverage
NPL — Nonperforming loan
A&I — Accident and Indemnity
DK — Dorling Kindersley
TAT — Total asset turnover
SWT — State witholding tax
UNSO — United Nations Sudano-Sahelian Office
SBD — Small Disadvantaged Business
COPICS — Communication Oriented Production and Information Control System
URLA — Uniform Residential Loan Application
FBAR — Foreign Bank & Financial Account
OGC — Office of the General Counsel
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
ADP — Automatic Data Processor
QNEC — Qualified nonelective contributions
CCH — Commerce Clearing House
WPP — Wire and Plastic Products
RELP — Real Estate Limited Partnership
M&A — Merger & Acquisition
OSBDU — Office of Small and Disadvantaged Business Utilization
ACFR — Advisory Committee on Fishery Research
OTB — Off-Track Betting
PT — Part-Time
A/S — Account sales
UNV — United Nations Volunteers Programme
ITSD — Information Technology Services Division
WCC — World Climate Conference
SPE — Senior Procurement Executive
HARP — Home Affordable Refinance Program
GAW — Global Atmosphere Watch (WMO)
IRMAA — Income Related Medicare Adjustment Amount
BPO — Bargain Purchase Option
DTCC — Depository Trust & Clearing Corp
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
MEWA — Multiple Employer Welfare Arrangement
PFR — Portable Font Resource
CSPN — College Savings Plan Network
R&C — Reasonable and Customary
CSA — Capital Support Agreements
UNAMIR — United Nations Assistance Mission for Rwanda

SOV — Share Of Voice
USRPHC — U.S. real property hodling corporation
SAS — Statement of Accounting Standards
AUI — Auxiliary Unit Interface
CCC — Commodity Credit Corporation
I-9 — I-9 Form
APOC — Administrative Point of Contact
OSDBU — Office of Small and Disadvantaged Business Utilization
PBA — Pending bank approval
CSEMO — Corporate Senior Executive Management Office
UCR — Usual, customary, and reasonable
B2C — Business to Citizen
P/E — Price-to-earnings ratio
MTHLY — monthly
E&P — Earnings & Profits
CSVLI — Cash surrender value life insurance
ADAS — Associate Deputy Assistant Secretary
FRA — Federal Reserve Act
SSD — Social Security Disability
BPO — Business Process Optimization
OCBOA — Other Comprehensive Basis of Accounting
PCS — Post-contract customer support
PWBA — Pension and Welfare Benefits Administration
PE — Price to Earnings Ratio
ABS — Asset Based Securitization
ALBCC — Account Level Budget Cost Center
PMV — Private Market Value
PTSD — Post Traumatic Stress Syndrome
B&N — Barnes and Noble
FMRR — Financial Management Rate of Return
ZAW — Zero Administration for Windows
TRNSFR — Transfer
MHAEA — Mental Health and Addiction Equity Act
WKLY — Weekly
UNIDO — United Nations Industrial Development Organization
NFTC — National Foreign Trade Council, Inc.
GMP — Guaranteed Maximum Price
ITLO — Information Technology Logistics Office
DTP — Data Transfer Program
CSR — Corporate Social Responsibilty
CSP — Certified Speaking Professional
RMBS — Residential mortgage backed securities
ULPA — Uniform Limited Partnership Act
IDB — Industrial Development Bond
NRA — Non-Resident Alien
SHOP — Small Business Health Options Program
DEFRA — Deficit Reduction Act
MSRB — Municipal Securities Rulemaking Board
SBBA — Sales and Buy-Back Agreement
DGFT — Director General of Foreign Trade

IDS — Income Deposit Securities
AMCD — Audit and Management Consulting Division
QTIP — Qualified Terminable Interest Property
P&I — Principle and interest payment
PCE — Private Commercial Enterprise
FWCW — United Nations Fourth World Conference on Women
IETC — International Environmental Technology Centre
PEP — Personal Exemption Phaseout
ELI — Equity Linked Investments
SPHR — Senior Professional Human Resources
SFAS — Statements of Financial Accounting Standards
EDA — Economically Depressed Area
NCCUSL — National Conference of Commissioners on Uniform State Laws
TOFC — Trailer On Flat Car
FMOC — Federal Open Market Committee
FSA — Flexible Spending Arrangement
IRB — Internal Revenue Bulletin
MSER — Multi-state Employer Registration
HRLY — Hourly
TPS — Transaction processing services
JCT — Joint Committee on Taxation
FSP — FASB Staff Position
C&A — Certification & Authority
WHOL. — Wholesale
DRC — Deficit Reduction Contribution
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
TEA — Technology-enabled auditing
UDR — Unused development rights
TALF — Term Asset-Backed Securities Loan Facility
EOSG — Executive Office of the Secretary-General
IPMA — International Personnel Management Association
HRCI — Human Resource Certification Institute
ACRB — Architectural Change and Review Board
AIMS — Advertising and Integrated Marketing Solutions
UNDCP — United Nations International Drug Control Programme
AGGG — Advisory Group on Greenhouse Gases
BNIB — Business Needs and Investment Board
ARD — Actual retirement date
GINA — Genetic Information Nondiscrimination Act of 2007
TVI — Trade Value Index
USRPI — U.S. real property interest
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
DAP — Direct Access Program
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
NFIB — National Federation of Independent Business
ICRA — Investment Information and Credit Rating Agency
WCP — World Climate Programme (WMO/ICSU)
ROTC — Reserve Officer Training Corporation
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
ITEAM — Information Technology Enterprise Architecture Management

AAA — Authentication, Authorization & Access
LLIC — Limited liability investment company
SLA — Share lending agreement
UNOMSIL — United Nations Observer Mission in Sierra Leone
NSTP — National Society of Tax Professionals
RFM — Rcency, Frequency, Monetary Analysis
OIS — Overnight Index Swaps
ARB — Accident Review Board
USOA — Uniform system of accounts
CPCU — Chartered property and casualty underwriter
GEM — Growing Equity Mortgage
STD — Short-term disability
VOB — Veteran-Owned Business
UNL — Universal Networking Language
EDA — Economic Development Administration's
MBA — Masters of Business Administration
AGFFA — Advisory Group on Financial Flows to Africa
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
SEDR — Systems Engineering and Design Review
UNICC — United Nations International Computer Centre
PEC — Potential earnings converted
D/L — Demand loan
UNOMSA — United Nations Observer Mission in South Africa
IEC — Inter Exchange Carrier
LCD — Labor Cost Distribution
LLDIE — Limited life debt investment entity
UNOSOM — United Nations Operation in Somalia
ULP — Unfair Labour Practices
NACM — National Association of Credit Management
BB — Base Benefits
DOCO — Development Operations Coordination Office
SHD — Sustainable Human Development
FAAS — Financial Assurance and Accountability Standards
CSUM — Common Security User Manager
UNTAET — United Nations Transitional Administration in East Timor
ASR — Accelerated Stock Repurchase
ITC — International Trade Center
DSI — Discretionary Salary Increase
CTI — Computer/Telephone Integration
CFIA — Competency Framework for Internal Auditing
CESCR — Convention on Economic, Social and Cultural Rights
KMI — Knowledge Management Initiative
CHRC — Canadian Human Rights Commission
CCSQ — Consultative Committee on Substantive Questions
XML — Extended Markup Language
GEENET — Global Environmental Epidemiology Network
EMIF — Emerging Issues Task Force
AFN — Annual Funding Notice
SITW — State income tax withholding
MOC — Market On Close

OER — Owner's equivalent rent
CDS — Credit default swaps
LAC — Division for Latin America and the Caribbean
NIPA — National income and product accounts
S&L — Savings and Loan
COSVA — Chief of Staff
GRC — Goverance, risk and compliance
FEP — Fair employment practice
GCT — General Corporation Tax
LMI — Lender's mortage insurance
INCB — International Narcotics Control Board
ETR — United Nations Education and Training Programme
UI — Unemployment Insurance
DSW — Discount Shoe Warehouse
ASB — Auditing Standards Board's
LTCG — Long-term capital gain
TILA — Truth In Lending Act
SSNVS — Social Security Number Verification System
ALC — Agency Location Code
MEC — Minimum essential coverage
VBA — Veterans Benefit Administration
EPA — Expanded Programme of Assistance
MTNL — Mahanagar Telephone Nigam Limited
ECN — Electronic Communications Network
TIFF — Tagged Interface File Format
USPAP — Uniform Standards of Professional Appraisal Practice
UNSMIH — United Nations Support Mission In Haiti
GNC — General Nutrition Centers
NABARD — National Bank for Agricultural and Rural Development
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
PDM — Program Decision Maker
RET — Retirement earnings test
UNTAC — United Nations Transitional Authority in Cambodia
NE — Non-Exempt
DSPE — Deputy Senior Procurement Executive Known
PBM — Pharmacy Benefits Management (or Manager)
TAA — Trade Adjustment Act
FERS — Federal Employees Retirement System
GAGAS — Generally Accepted Government Accounting Standards
BIRLS — Beneficiary Identification Records Locator Subsystem
HCSA — Health Care Spending Account
PUT — Persons Using Television
BQ — Best Qualified
USD — US Dollars
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
RIPA — Retirement Income Policy Act
APIC — Additional paid-in capital
IHRIM — International Association of Human Resource Information Management
A&A — Advisory & Assistance
VAL. — Value

UNAVEM — United Nations Angola Verification Mission
TUR — Total Unemployment Rates
BAN — Bank anticipation notes
UNPD — United Nations Procurement Division
ACII — American Association of Individual Investors
FRN — Floating rate notes
CTI — Category, Type, Item
CBO — Chief Business Office
RFB — Request For Bid
SOBO — Small Office Business Office
IREA — Intermountain Rural Electric Association
WHCRA — Women’s Health and Cancer Rights Act of 1998
PFK — Pay-for-knowledge-and-skills plans
UNSD — United Nations Statistic Division
UNMOT — United Nations Mission of Observers in Tajikistan
NAO — National Administrative Offices
IDB — Industrial Development Board
TPRB — Trade Policy Review Body
ZEBRA — Zero-balance reimbursement account
BV — Book value
JAN — Job Accommodation Network's
ADA — Associate Deputy Administrator
SRO — See Self-Regulatory Organization
SDE — Service Delivery and Engineering
LMA — Labor Market Area
NAPAT — National Association for Private Annuity Trusts
PM PAR — Program Management Policy, Assessment, and Reporting
VBIA — Veterans Benefits Improvement Act of 2004
SBO — Small Business Ombudsman
VPFC — Variable Prepaid Forward Contract
GIWA — Global International Waters Assessment
NEO — New and Emerging Occupations
LDC — Low Death Conflict
SECA — Self-Employment Contributions Act
UNOPS — United Nations Office for Project Services
IGE — Intergovernmental Group of Experts
DFS — Dancer Fitzerald Sample
D2D — Developer to Developer
BPO — Broker Price Opinion
AFSCME — American Federation of State, County and Municipal Employers
CEIS — Corporate Executive Information System
JECFA — Joint Expert Committee on Food Additives
EBP — Employee Benefits Plan
FASAC — Financial Accounting Standards Advisory Committee
DITE — Division on Investment, Technology and Enterprise Development
NR — Not Rated
CRPC — Chartered Retirement Planning Counselor
SIC — Standard industrial clssification
SYD — Sum-of-the-years-digits
CHRC — Criminal History Records Check

USTC — United States Tax Court
QTD — Qualified Total Distribution
UNIDIR — United Nations Institute for Disarmament Research
GAO — General Accountability Office
DR. — Debit
QR — Quarterly Report
FLC — Foreign Labor Certification
SDVOB — Service-disabled veteran owned business
CEOSH — Center for Engineering & Occupational Safety and Health
CCHR — Canadian Council on Human Resources
IFEBP — International Foundation of Employee Benefit Plans
BPC — Budget Priority Committee
EBSA — Employee Benefit Security Administration's
FOF — Fund of Funds
NBIA — National Business Incumbation Association
UNTMIH — United Nations Transitional Mission in Haiti
KFC — Kentucy Fried Chicken
VWPX — Volume Weighted Price Uncrossing
FT — Full-Time
IFOR — Implementation Force
A&A — Assessment and Accreditation
FALD — United Nations Field Administration and Logistics Division
UNMIBH — United Nations Mission in Bosnia and Herzegovina
J&S — Joint and Survivorship
DBA — Davis-Bacon Act
EM — Emergency Loan Program
DUZ — Designated User
NSBA — National Small Business Association
UNIPOM — United Nations India-Pakistan Observation Mission
L/V — Loan-to-value ratio
UNSECOORD — Office of the United Nations Security Coordinator
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
SCP — Sustainable Cities Programme
DDB — Doyle Dane Bernbach
RDC — Remote Deposit Capture
DNA — Distributed Internet Application Architecture
USC — United States Code
ODCF — Owner's Discretionary Cash Flow
EOLI — Employer owned life insurance
CAO — Contract Administration Office
ASHHRA — American Society for Healthcare Human Resources Administration
TN — Temporary Visa
LLTC — Limited liability trust company
VEVRA — Vietnam-Era Veterans Readjustment Act
VPT — Volume Price Trend
GWAC — Government Wide Acquisition Contract
CWHSSA — Contract Work Hours and Safety Standards Act
PPA — Pension Protection Act of 1987
MSPR — Medicare Secondary Payer Rules
STOLI — Stranger-originated life insurance

CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
TPD — Third-party designee
UNMACC — United Nations Mine Action Coordination Centre
SV — Salvage value
ITC — International Training Centre
CCP — Collateralized commercial paper
NATP — National Association of Tax Professionals
UNCA — United Nations Correspondents Association
SAMS — Systemic Advocacy Management System
DM — Department of Management
CCR — Central Contractor Registeration
IAAS — Infrastructure as a Service
MHPA — Mental Health Parity Act of 1996
DWC — Division of Workers Compensation
I&A — Interest and amortization
PE — Printer Error
JEEP — Joint Ethics Enforcement Plan
UNSC — United Nations Security Council
CDR — Centre for Documentation and Research
NOLD — Net Operating Loss Deduction
SPX — Standard and Poor’s Index
IEFR — International Emergency Food Reserve
PRA — Paperwork Reduction Act of 1980
AC — Associate Chief of Staff
SRO — Self Regulatory Organization
IPDC — International Programme for the Development of Communications
NAVA — National Association for Variable Annuities
VLI — Variable Life Insurance
CTFA — Certified trust & financial advisor
SBJPA — Small Business Job Protection Act of 1996
UNDC — United Nations Disarmament Commission
DBIC — Data Base Integration Committee
ING — Internationale Nederlanden Group (a Financial Company)
ICS — Information Centres Services
CALS — Continuous Acquisition Lifecycle Support
KSA — Knowledge Skills or Abilities
NASDR — National Association of Securities Dealers Regulation
CFO — Chief Financial/Fiscal Officer
POC — Pacific Operations Centre
CO — Contracting Officer
ATNOL — Alternative Minimum Tax Net Operating Loss
TEA — Transportation Efficiency Act
ODF — OpenDocument Format
QCR — Quarterly Contributions Report
ECDC — Economic Cooperation Among Developing Countries
COAS — Clinical Observation Access Control
OEBS — Office of Employee Benefits Security
DRPC — Division for Resources Planning and Coordination
OEL — Offshore Employee Leasing
IBD — Investors Business Daily

SDA — Self-directed brokerage account
MPPAA — Multiemployer Pension Plan Amendments Act
GPML — Global Programme Against Money Laundering
SEPHA — Special Emergency Programme for the Horn of Africa
SAM — System for Award Management
LDP — Last Day Paid
NIB — New In the Box
FO — Foreign to occupation
AWL — Actual Wage Loss
CRSR — Congressional Research Service Report
UNDAW — United Nations Division for the Advancement of Women
EBO — Equity buy out
JVC — Japan's Victor Company
EBS — Employee Benefits Security
QE — Quarter Ending
UNSCO — Office of the United Nations Special Coordinator for the Middle East
PJ — Purchases journal
CCS — Care Coordination Services
DPGA — Deferred Payment Gift Annuity
UNMEE — United Nations Mission in Ethiopia and Eritrea
BAT — Bureau of Apprenticeship and Training
QIE — Domestically controlled qualified investment entity
IBDOEI — Income before discontinued operations and extraordinary items
UNMOGIP — United Nations Military Observer Group In India & Pakistan
LRO — Labor Relations Officer
KMI — Key Man Insurance
USCIS — US Citizenship and Immigration Services
NCO — Net chargeoffs
GIST — Graphics and Intelligence based Script Technology
CFPB — Consumer Finance Protection Bureau
NRA — Normal Retirement Age
NRV — Net recoverable value
IACWGE — Inter-Agency Committee on Women and Gender Equity
IFUP — International Forum on Urban Poverty
OIP — Office of the Iraq Programme
SBIR — Small Business Innovation and Research
MOD — Manufacturing on demand
ODDS — Online Data Delivery System
GIPS — Global Investment Policy Standards
USM — Unlisted Securities Market
USENET — USEr NETwork
SBLF — Small Business Lending Fund
BSAD — Baseline System Architecture Document
IQPA — Independent Qualified Public Accountant
DOBI — Department of Defense Instruction
UFW — United Farm Workers
CHS — Commission on Human Settlements
WMU — World Maritime University
TCDC — Technical Cooperation among Developing Countries
USCIS — U.S. Citizenship and Immigration Service

SST — Streamline Sales and Use Tax Agreement
IAPSO — Inter-Agency Procurement Services Office
CFS — Committee on World Food Security
IASA — Internation Air Shipper's Association
SLA — Supplemental Lease Agreements
IOLTA — Interest on Lawyer's Trust Account
SRPM — Stated Redemption Price at Maturity
FPO — Fruit Products Order
UNLTC — United Nations Military Liaison Team in Cambodia
IMFL — Indian-Made Foreign Liquor
UNISTE — United Nations International Symposium on Trade Efficiency
NAALC — North American Agreement on Labor Cooperation
SNT — Supplemental Needs Trust
SCIN — Self-canceling installment note
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
SAAR — Seasonally Adjusted Annualized Rate
UNDG — United Nations Development Group
WHYCOS — World Hydrological Cycle Observing System
BLBA — Black Lunch Benefits Act
SGML — Standard Generalised Markup Language
BREP — Business Requirements Engineering Process
BDC — Business Development Council
HTTP — Hyper Text Transport Protocol
IMRO — Investment Management Regulatory Organisation
ALA — American Legion Auxiliary
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
PPIP — Public-Private Investment Program
SBI — Site Build It
DESA — Department of Economic and Social Affairs
GEMS — Global Environment Monitoring System
NUA — Net Unrealized Appreciation
PCM — Percentage-of-completion method
UNREO — United Nations Rwanda Emergency Office
UNMIH — United Nations Mission In Haiti
SMB — Small- to medium-sized business
CEIT — Comprehensive business income tax
PDA — Public Displays of Affection
ODCCP — United Nations Office for Drug Control and Crime Prevention
FPM — Flexible Payment Mortgage
SJ — Sales Journal
ACLI — American Council of Life Insurance
FAC-C — Federal Acquisition Certification in Contracting
ALBRS — Automated Lending and Borrowing in Rolling Settlement
AETF — African Emergency Task Force
DI — Debt instrument
PL/PD — Personal liability/property damage
EPLI — Employment Practices Liability Insurance
FTR — family tracing and reintegration
LM — Last Month
E/M — Evaluation and Management

GAW — Guaranteed Annual Wage
UNIC — United Nations Information Centre
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System
ISMUN — International Student Movement for the United Nations
SDCF — Sellers Discretionary Cash Flow
UNMAS — United Nations Mine Action Service
OES — Occupational Employment Statistics
CSA — Common Services Architecture
QAIP — Quality Assurance and Improvement Plan
DBB — Design-bid-build
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
A/O — Administrative Offices
IDS — International Development Strategy
LTD — Long Term Insurance
UNYOM — United Nations Yemen Observation Mission
PCE — Pre-existing Condition Exclusion
CSP — Cyber Security Professional
DGAACS — Department of General Assembly Affairs and Conference Services
PVT — Persons Viewing Television
NCAO — National Cemetery Area Office
AGFUND — Arab Gulf Programme for United Nations Development Organizations
WDC — Workforce Development Center
NAP — Noninsured Crop Disaster Assistance Program
CBRS — Currency banking and retrieval system
DSA — Disaster Debt Set-Aside Program
ASSE — American Society of Safety Engineers-Professional
UNHSP — United Nations Human Settlements Programme
JAIN — Joint American Indian Network
CBHCO — Community-Based Health Care Organization
ODPR — Office for Displaced Persons and Refugees
HCIP — Harmonized Index of Consumer Pricing
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
VRP — Variable Rate Premium
BOC — Business Operations Committee
CISC — Common Instruction Set Computer
UNHQ — United Nations Headquarters
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
CFRS — Carry Forward in Rolling Settlement
ERD — Emergency Response Division
INRA — United Nations University Institute for Natural Resources in Africa
R/E — Real estate
CEFU — Continuing Education Field Unit
FYE — Fiscal year ended
MINX — Multimedia Information Network Exchange (system)
AA — Average Audience
DME — Development/Maintenance/Enhancement
COFI — Committee on Fisheries
LTD. — Limited
BCAG — Business Community Advisory Group
VOSB — Veteran-Owned Small Business

SWA — State Workforce Agencies
USERRA — Uniform Services Employment and Reemployment Rights Act
SSTP — Streamlined Sales Tax Project
OTI — OSHA Training Institute
HAC — Health Administration Center
FSB — Fortune Small Business
OIS — Occupations Information System
B2C — Business to Comerce
HRC — Historic Rehabilitation Credit
POD — Professional & Organizational Development
EBRI — Employee Benefits Research Institute
MW — minimum weight
UNMIK — United Nations Interim Administration Mission in Kosovo
MFST — Manifest
NMHPA — Newborns’ and Mothers’ Health Protection Act
CBD — Chief Benefits Director
RRM — Renegotiated-Rate Mortgage
OHR — Office of Human Resources
K/A — Known as
COAG — Committee on Agriculture
OHCA — Organized Health Care Arrangement
LTP — Long-Term Plan
NTU — National Taxpayer's Union
ILM — Industrial Light and Magic, Inc.
DCM — Department Cost Manager
EAP — Employee Assistance Plan
COSG — Collaborative Opportunities Steering Group
UNMO — United Nations Military Observers
EAO — Executive and Administrative Office
LTC — Long-Term Care
FCA — Division for Finances, Control and Administration
FIRPTA — Foreign Investment in Real Property Tax Act
PE — Pass-through entity
BRB — Benefit Review Board
JRPU — Joint Reintegration Programming Unit
BKPR — Be Kind, Please Rewind
RPO — Recruitment process outsourcing
TRD — Trade Relations Division
WPRO — Western Pacific Regional Office
QREC — Quality Review Executive Committee
GST — Generation-Skipping Transfer
BRM — Business Relationship Meeting
IAS — United Nations University Institute of Advanced Studies
INTECH — United Nations University Institute for New Technologies
BCBS — Blue Cross/Blue Shield
R/E — Retained earnings
PCB — Programme Coordination Board
TARP — Troubled Assets Relief Program
SMP — Special Multiperil Policy
EPAU — Evaluation and Policy Analysis Unit

UNFALD — United Nations Field Administration and Logistics Division
T/B — Trial balance
UNIS — United Nations International School
WIA — Workforce Investment Act
PPBD — Programme Planning and Budget Division
UNCJIN — United Nations Crime and Justice Information Network
SPFS — Special Programme for Food Security
EPLI — Employee practices liability insurance
SMES — Small- and medium-scale enterprises
TAC — Technology Assessment Committee
RDMHQ — Rapidly Deployable Mission Headquarters
SSDI — Social Security Disability Indemnity
GWG — Gender Working Group
NAEA — National Association of Enrolled Agents
TEUC — Temporary Extended Unemployment Compensation
BKPR — Bookeeper
VRM — Variable Rate Mortgage
JPAC — Joint Public Advisory Committee
STIP — Short-Term Industry Projections
PBC — Programme and Budget Committee
CPS — Core Products and Services
DBIA — Database Integration Agreement
BPO — Budget process outsourcing
SUB — Supplemental Unemployment Benefit
LOW — Lack of Work
CONGO — Conference on Non-Governmental Organizations
CAMPS — Cumulative Auction Market Preferred Stock
FABS — Financial and Business Solutions
FS — Forest Service (USDA)
POB — Public Oversights Board
IIOP — Internet Inter operable ORB Protocol
HDRO — Human Development Report Office
CDARS — Certificate of Account Registry Service
NQPS — Nonqualified preferred stock
CFP — Clinical Financial Planner
PD — Procurement Division
EB — Extended Benefits
NCAER — National Council for Applied Economic Research
UNOV — United Nations Office at Vienna
CSI — Commissioners Standard Industrial Mortality Table
COBRA — Common Object Request Broker Architecture
PERC — Premiums, earnings and reasonable charges
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium
DIMA — Division of Information Management and Analysis
TP — Technical Proposal
RA — Resident Alien
SLE — Single lease expense
BIMS — Business Information Management Suite
SEAROWHO — Regional Office for South-East Asia Region
MSPA — Migrant and Seasonal Agriculture Worker Protection Act

TCPC — Technical Committee for Programme and Coordination
XFRML — XML based Financial Reporting Markup Language
ISBA — International Seabed Area
IPI — Industrial Protection Index
EPPG — Emergency Prevention and Preparedness Group
VOC-REHAB — Vocational Rehabilitation
OSDC — Over/Short/Damage/Claims
UNOB — United Nations Office in Burundi
PKO — Peace-Keeping Operation
UNIS — United Nations Information Service
COD — Country Operations Division
FUA — Federal Unemployment Account
HUT — Households Using Television
DBM — Disruptive Behavior Management
FCIC — Financial Crisis Inquiry Commission
SEI — Software Engineering and Integration
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
SSARS — Statement on Standards for Accounting and Review Services
PPA — Paperwork Reduction Act
WCB — Workers Compensation Board
LBO — Limited Buyout
GPRS — General Packet Radio System
SE — Salaried Exempt
PWD — Prevailing Wage Determination
DSPD — Division for Social Policy and Development
MDA — Market development funds
COMP. — Item given for free
CRA — Credit Rating Agency
PFA — Platform for Action
JSSA — Jury Selection and Service Act
FELA — Federal Employment Liability Act
RMA — Restricted management account
UNOGIL — United Nations Observation Group In Lebanon
PL — Profit and Loss
NBER — National Bureau of Economic Research
CVE — Center for Verification and Evaluation
IUR — Insured Unemployment Rates
FSET — Federal State Employment Taxes
MAT — Minimum Alternative Tax
CIP — Capital Investment Process
POP — Point-of-purchase
NSDL — National Securities Depository Limited
SROI — Subsequent Report of Injury
VCL — Vacancy and collection losses
PCA — Permanent Court of Arbitration
ERCI — Employee Relocation Council Institute
CCR — Central Contracting Registry
NABE — National Association for Business Economics
WRHSE — Warehouse
AIR — Assumed Investment Rate

PCNICC — Preparatory Commission for the International Criminal Court
DDB — Deemed death benefit
IMC — Integrated Market Communications
WPPDA — Welfare and Pension Plan Disclosure Act
GEO — Global Environment Outlook Report
WOSB — Woman-Owned Small Business
ICDB — International Childrens' Day of Broadcasting
DEC — Deductible voluntary employee contributions
BNI — Business Needs and Investment
WCC — Working capital cycle
IPECILO — International Programme for the Elimination of Child Labour
FEP — Fair Employment Practices
EPRS — Emergency Preparedness and Response Section
CUNA — Credit Union National Assocation
USPTO — U.S. Patent and Trademark Office
CRISIL — Credit Rating Investment Services India Limited
SLSMN — Salesman
SFO — Solicitatio for offers
MF — Medical Facilities
BOY — Beginning of Year Violator
UNFIP — United Nations Fund for International Partnerships
BPA — Blanket purchase authoriation
CPR — Committee of Permanent Representatives
UNGEGN — United Nations Group of Experts on Geographical Names
KFOR — UN Kosovo Force
GAS — Governmental Accounting Standards
BA — Business Architecture
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
SARD — Sustainable Agriculture and Rural Development
INWEH — United Nations University International Network on Water, Environment and Health
NVSBE — National Veterans Small Business Engagement
D/N — Demand note
HRC — Health Resource Center
OUSG — Office of the Under Secretary General
COFO — Committee on Forestry
ORD — Office Of Research And Development (USEPA)
MSFW — Migrant and Seasonal Farm Worker
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
TDB — Trade and Development Board
LTI — Lead Time Interval
HPS — Headquarters Procurement Section
BAB — Build America Bonds
PH.D. — Doctorate Of Philosophy
UMTS — Universal Mobile Telephone System
IAG — International Advisory Group
VOC-ED — Vocational Education
IIST — United Nations University International Institute for Software Technology
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
ATP — Acquisition Training Program
EBX — Electronics Boutique X

UNPA — United Nations Protected Area
MACC — Mine Action Coordination Centre
DSRSG — Deputy Special Representative of the Secretary-General
EHLP — Emergency Homeowners Loan Program
NOIDA — New Okhla Industrial Development Authority
CI — Control Item
SVNGS — Savings
SIU — Sets In Use
ICE — Internal control evaluation
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
MRAM — Magnetic Random Access Memory
NDNH — National Directory New Hires
WRKR — Worker
NPA — National Plans of Action
UNON — United Nations Office at Nairobi
CSCIS — Computer Software Configuration Items
JIU — Joint Inspection Union
HR — Headquarters Regulation
FMSHA — Federal Mine and Safety Health Act
OASI — Old Age Survivors Insurance
ESOT — Employee Stock Ownership and Trust
ICFY — International Conference on the Former Yugoslavia
LAUS — Local Area Unemployment Statistics
IPC — Integrated Programme for Commodities
CSO — Cyber Security Office
CBC — Community Based Outpatient Clinic
BRSP — Bureau for Resources and Strategic Planning
VAMC — Va medical center
WST — Waste Systems and Transportation
HB — House B ill
UNTPDC — United NationsTrade Point Development Centre
SIA — Securities Industry Act of 1983
CWSP — College Work-Study Program
SOS — Switched On Schoolhouse
NAWW — National Average Weekly Wages
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
OTR — Office of Thrift Supervision
NST — National Sales Tax
SOYD — Sum-of-the-years-digits
STW — School-To-Work
FROI — First Report of Injury
HOW — Homeowner Warranty Plan
SSM — Software Service Manager
SEES — Survey Evaluation Exam System
ECM — Energy Conservation Measures
CPTAL — Capital
HR — Human Rights's
UNRRA — United Nations Relief and Rehabilitation Agency
AFROWHO — Regional Office for Africa
CPK — Cost Per Keyword

UNFSTD — United Nations Fund for Science and Technology for Development
ECS — Enterprise Class Storage
CDP — Committee for Development Policy
WST — Waste Spare Time
SPDC — Special Political and Decolonization Committee
WARN — Worker Adjustment and Retraining Notification Act W&M
NYMEX — New York Metal Exchange
POPIN — United Nations Population Information Network
HRIS — Human Resources Information Service
CATS — Certificate of accrual on Treasury securities
OALC — Office of Acquisition, Logistics, and Construction
UB — Unsafe Buildings
OAR — Overall Rate Of Return
EMA — Expense Management Automation
DRM — Division for Resources Mobilization
IM/DQ — Identity Management/Data Quality
EAT — Exchange Accommodation Titleholder
T&E — Travel & Entertainment
QANTAS — Queensland and Northern Territory Ariel Service
ND — Network Director
UNTAG — United Nations Transition Assistance Group
SDC — System Development Center
ZBA — Zero-Balance Account
SIPA — Securities Investment Protection Act
UNSF — United Nations Security Force in West New Guinea
UNMA — United Nations Mission in Angola
TOM — Traded Options Market
YSP — Yield-spread premium
PCPB — Post-Conflict Peace-Building
SLOB — Separate lines of business
NTFO — Nationwide Tax Forums Online
BEST — BrihnanMumbai Electric Supply and Transport
TOE — Time is of the essence
NVCA — National Venture Captial Association
AR — Architecture Requirements
LA — Labor Area
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
UNLB — United Nations Logistic Base
TPA — Technical Practice Aide
UNJSPB — United Nations Joint Staff Pension Board
UR — Unemployment Rate
SMF/LDC — Special Measures Fund for the Least Developed Countries
CC — Copy To
UNPA — United Nations Postal Administration
CLO — Collaterialized loan obligation
NRET — Non-Resident Withholding Tax
CCC — Cost Containment Center
HEP — Humanitarian Evacuation Programme
UNTSO — United Nations Truce Supervision Organization
SOIR — Schaeffer Open Interest Ratio

XUL — eXtensible UserInterface Language
SPD — Division for Special Programmes Development
SECL — Secretarial
HMO — Health Maintenance Organisation
XRA — Expected Retirement Age
SBL — Small Business Liaisons
UNMOP — United Nations Mission of Observers in Prevlaka
LTFP — Long-Term Financial Plans
PIRG — Public Interest Research Group
FAS — Finance and Accounting System
PATS — Planning, Architecture, Technology and Services
TRD — Transfer of Development
UNAT — United Nations Administrative Tribunal
UNIKOM — United Nations Iraq-Kuwait Observation Mission
HEA — Health Enterprise Architecture
UNOMA — United Nations Observer Mission in Angola
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
CORBAIIOP — CORBA Internet Inter ORB Protocol
GAP — Gross amount paid
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
CFTA — Currency and Foreign Transaction Act
LT — Lost Time
EMROWHO — Regional Office for the Eastern Mediterranean
CORTS — Corporate-backed trust securities
CARDS — Custom Adjustable Rate Debt Structure
NBB — New Belgium Brewery
CIFR — Committee on Improvements to Financial Reporting
IMF — International Monitary Fund
UNROAP — United Nations Regional Office for Asia and the Pacific
B/A — Basic Agreement
UNASOG — United Nations Aouzou Strip Observer Group
SEBI — Securities Exchange Board of India
DSD — Division for Sustainable Development
SFI — Six-Figure Income
SOPAC — South Pacific group of countries
WBC — Women Business Center
WCDMP — World Climate Data and Monitoring Programme
EFAST — ERISA Filing Acceptance System
WOTC — Workforce Opportunity Tax Credit
NVSBC — National Veterans Small Business Conference
POS — Point-of-sale
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
GTC — Good Till Canceled Order
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
PRP — Potentially Responsible Party (Superfund)
POP — Premium-Only Plan
BLESS — Borrowing and Lending Securities Schemes
UNPOB — United Nations Political Office in Bougainville
B&P — Budgeting & planning
UNTOP — United Nations Tajikistan Office for Peace-Building

N/P — Note payable
PPBA — Office of Programme Planning, Budget and Accounts
C&P — Compensation & Pension
VAAR — Department of Veterans Affairs Acquisition Regulation
UNDOC — United Nations Documents Index
NVC — National Veterans Conference
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
MGIC — Mortgage Guarantee Insurance Company
PBSI — Performance Based Salary Increase
SBLC — Small Business Legislative Council
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
UNSMA — United Nations Special Mission to Afghanistan
MQT — Medicaid Qualifying Trust
NSTA — National Securities Trade Association
GLSO — Group Legal Services Organization
VACO — VA Central Office
SSD — Specialist Services Division
SEPPAA — Single Employer Pension Plan Amendments Act
NHCE — Non-Highly Compensated Employee
LPA — Local Plans of Action
CIM — Corporate Information Model
TSB — Targeted Small Business
IPO — Incorporated to Provide
ITAAC — IT Acquisition Advisory Council
MVI — Mini Vacations Incorporated
HST — Health Statistics
OHRM — Office of Human Resources Management
VETS — Veteran's Employment & Training Service
ECLAC — Economic Commission for Latin America and the Carebbean
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)