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Business & Finance >> Business Word Abbreviations

Look through 2927 acronyms and abbreviations related to Business Word:

SOX — Sarbanes-Oxley
AAO — Affirmative Action Officer
S.M.A.R.T — Specific, Measureable, Attainable, Realistic, Timely
CPOE — Computerized Physician Order Entry
BCWS — budgeted cost for work scheduled
TTL — Total
MNC — Multinational Corporation
RMA — Return Merchandise Authorization
DEPR. — Depreciation
UM — Uninsured Motorist
LAN — Local Area Network
FGM — Female Genital Mutilation
HCE — Highly Compensated Employee
URL — Universal Resource Locator
ACR — Accrual
OSS — Open Source Software
UNLTD — Unlimited
B/E — Breakeven
M-O-M — Month over month
ETA — Estimated Time of Arrival
RAROC — Risk-Adjusted Return On Capital
BCWP — Budgeted Cost for Work Performed
YTD — Year To Date
ANSI — American National Standards Institute, Inc.
CORELAP — Computerised Relationship Layout Planning
ARPANET — Advanced Research Projects Agency Network (early internet)
GPROI — Gross Profit Return on Investment
P.L. — Public Law
O/S — Outstanding
CP — Contingency Plan
BGT — Budget
BBS — Bulletin Board Service
DOB — Date Of Birth
XML — Extensible Markup Language
IT — Information Technology
B-TO-C — Business to consumer
FTP — File Transfer Protocol
ROM — Read-Only Memory
IGO — Intergovernmental Organization
GLB — Gramm-Leach-Bliley Act
APR — Annual Percentage Rate
THX — Thanks
P.O.C. — Paid outside of closing
EPA — Environmental Protection Agency (US)
IP — Internet Protocol
OPT — Other People's Time
PLS — Please
RFID — Radio Frequency Identification
CAGR — Compound Annual Growth Rate
COB — close of business (End of duty day)

W/O — Without
FLSA — Fair Labor Standards Act
IRC — Internet Relay Chat
FAQ — Frequently Asked Questions (sometimes Pronounced Fak)
A.O.B. — Any other business
FIFO — First In, First Out
PDF — Portable Document Format (created by Adobe Acrobat)
ROM — Range Of Motion
MOU — Memorandum of Understanding (an MOU between Food & Drug Administratin and a regulatory agency in another country allows mutual recognition of inspections)
ASCII — American National Standard Code for Information Interchange
S&OP — Sales and Operations Planning
GEICO — Government Employees Insurance Company
R&D — Research & Development
DDB — Double-Declining-Balance
QC — Quality Control
O*NET — Occupational Information Network
MBTI — Myers-Briggs Type Indicator
BFOQ — Bona Fide Occupational Qualification
ATM — Automatic Teller Machine
LIFO — Last In, First Out
MTBF — Mean Time Before Failure
TQM — Total Quality Management
FTE — Full Time Equivalent
BCA — Business Continuity Plan
WHO — World Health Organization
FMLA — Family Medical Leave Act
F/B/O — For benefit of
CSR — Customer Service Representative
U&C — Usual and customary
RFP — Request For Proposal
EDI — Electronic Data Interchange
UNESCO — United Nations Educational, Scientific and Cultural Organization
ISP — Internet Service Provider
B-TO-B — Business-To-Business
U.S.C. — United States Code
CY — Calendar Year
5S — Seiri, Seiton, Seiso, Seiketsu, Shitsuke
E.O. — Executive Order
TBD — To Be Determined
CBC — Complete Blood Count
EU — European Union (1994; formerly referred to as the EEC or EC)
PPE — Personal Protective Equipment
VPN — Virtual Private Network (ATM)
HIPPA — Health Insurance Portability and Accountability Act
SSN — Social Security Number
FEMA — Federal Emergency Management Agency
FOMC — Federal Open Market Committee
FANNIE MAE — Federal National Mortgage Association (a privately owned corporation)
UNICEF — United Nations International Children's Emergency Fund
C-CPI-U — Chained Consumer Price Index for All Urban Consumers

NPV — Net Present Value {economics}
OTC — Over The Counter (medications not requiring a prescription)
JC PENNEY'S — James Cash Penney
ANOVA — Analysis of Variance (statistics)
ACC — Accounting Classification Code
GPS — Global Positioning System (ex-NAVSTAR)
ARO — After Receipt of Order
AAA — American Automobile Association
GIS — Geographic Information System
LLC — Limited Liability Company
CADR — Cash available for distribution before debt reduction
P&L — Profit and Loss statement
LY — Last Year
CEO — Chief Executive Officer
ASME — American Society of Mechanical Engineers
OECD — Organization for Economic Cooperation and Development
KPI — Key Performance Indicator
W-A — Weighted average
EAP — Employee Assistance Program
GSM — Global System for Mobile Communications
GDP — Gross Domestic Product
UBTI — Unrelated Business Taxable Income
DOD — United States Department of Defense
JIT — Just in time
CMO — Collateralized Mortgage Obligation
QA — Center for Quality Assurance in International Education
A/OPC — Agency/Organization Program Coordinator
IPCC — Intergovernmental Panel on Climate Change (WMO and UNEP)
QDRO — Qualified Domestic Relations Order
OJT — On the Job Training
ABC — activity based costing
AMD — Advanced Micro Devices, Inc. (producer of computer chips)
M/M — Month-over-month
ATF — As Trustee for
O&M — Operation and Maintenance
PGP — Pretty Good Privacy (encryption)
APPROX — Approximate
AFDC — Aid to Families with Dependent Children
ADP — Automated Data Processing
CD — Certificate of Deposit
FY — Fiscal Year
PO — Purchase Order
RCNLD — Replacement Cost New Less Depreciation
MPC — Marginal Propensity to Consume
SALY — Same As Last Year
QSC — Quality, Service, Cleanliness (Ray Kroc's motto for McDonald's)
M.O.M. — Middle of the month
ACCT — Account
AA — Affirmative Action
C.L.U.E. — Comprehensive Loss Underwriting Exchange

EEO — Equal Employment Opportunity
FAC-P/PM — Federal Acquisition Certification Program/Project Management
NFI — Net Financial Income
CAO — Chief Accounting Officer
MSDS — Material Safety Data Sheets
PDA — Personal Digital Assistant
NOC — Net Operating Capital
IBM — International Business Machines Corporation
P&Z — Planning & Zoning
SD — Standard Deviation
KPMG — Klynveld Peat Marwick Goerdeler
MIS — Management Information System (OSHA)
C.&F. — Cost and freight
SMTP — Simple Mail Transfer Protocol
E&IT — Electronic and Information Technology
A&MMS — Acquisition and Materiél Management Service
EST — Eastern Standard Time
DRAM — Dynamic Random Access Memory (dee-ram) (computing)
CCB — Change Control Board
BMW — Bayerische Motoren Werke (Bavarian Motor Works)
LOI — Letter Of Intent
FDA — Food Drug Administration
OT — Overtime
U.S. DOL — United States Department of Labor
POD — Proof Of Delivery
RNFA — Return On Net Financial Assets
POA — Power Of Attorney
IRR — Internal Rate of Return
ATTN — Attention
IPO — Initial Public Offering
RAM — random-access memory
CRFB — Committe for Responsible Federal Budget
USDA — United States Department of Agriculture
AAA-CPA — American Association of Attorney-Certified Public Accountants
GM — Gross Margin
CBD — Cash Before Delivery
ETA — Department of Labor's Employment and Training Administration
J/E — Journal entry
FISMA — Federal Information Security Management Act
CBPP — Center on Budget and Policy Priorities
CPI — Consumer Price Index
AWOL — Absent Without Leave
AUP — Acceptable Use Policy
WACC — Weighted Average Cost Of Capital (accounting)
CRM — Customer Relationship Management
CAE — Computer-Aided Engineering
SPV — Special Purpose Vehicle (sometimes Single Purpose Vehicle)
DOT — Department of Transport
ACH — Automated Clearing House
SLA — Service Level Agreement

COD — Cash On Delivery
AMA — American Medical Association
AARP — American Association of Retired Persons
A&MM — Acquisition and Materiél Management
FDIC — Federal Deposit Insurance Corporation
IM/IT — Information Management/Information Technology
SRAM — Static Random Access Memory (ess-ram)
PC — Personal computer (host)
EOD — End Of Day
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.
C&F — Cost and Freight
U.S. DOJ — United States Department of Justice
FF&E — Furniture, Fixtures & Equipment
DRIP — Dividend Reinvestment Plan
EXCOM — Executive Committee
DBA — Doing Business As
DOE — United States Department of Energy (government)
EGTRRA — The Economic Growth and Tax Relief Reconciliation Act of 2001
CV — Curriculum Vitae
ADL — activity of daily living
CBO — Congressional Budget Office
C-CPI — Chained Consumer Price Index
DIH — Days Inventory Held
CIP — Carriage and Insurance Paid to
CFR — Code of Federal Regulations
ARM — Adjustable Rate Mortgage
BSA — Bank Secrecy Act
OA&L — Office of Acquisition and Logistics
NDA — Non-Disclosure Agreement
I-TIPS — Information Technology Investment Portfolio System
ADR — Alternative Dispute Resolution
ISDN — Integrated Services Digital Network
COO — Chief Operation Officer
DES — Data Encryption Standard
CAPEX — Capital Expenditure
CIO — Chief Information Officer
M.ED — Masters in Education
SAAS — Software as a Service
AAR — Average Annual Return
RFI — Request For Information. Sales department shorthand. Special priority when use in conjunction with RFN (see below).
ADB — Asian Development Bank
RFC — Request For Comment
BOV — Broker’s Opinion of Value
CBT — Computer Based Training
FR — Federal Register
NFE — Net Financial Expense
IRA — Individual Retirement Account
COBRA — Consolidated Omnibus Budget Reconciliation Act of 1985
BFP — Bona Fide Purchaser
AON — Angolan New Kwanza

ADR — American Depositary Receipt
PNG — Portable Network Graphics (graphic file standard/extension)
GATB — General Aptitude Test Battery
TSR — Total Shareholder Return
RFQ — Request For Quotation
OMB — Office of Management and Budget (U.S.)
ADA — Americans With Disabilities Act Of 1990 (Text Of ADA Legislation)
IETF — Internet Engineering Task Force
LLP — Limited Liability Partnership
ASP — Application Service Provider
AP — Accounts Payable
AED — United Arab Emirates Dirham
BLS — Bureau of Labor Statistics of the United States Department of Labor
OI — Operating Income
ITU — International Telecommunication Union
NIH — NATIONAL INSTITUTE OF HEALTH
DVP — Delivery Versus Payment
GP — Gross Profit
ROI — Return on Investment
HMO — Health Maintenance Organization
QOS — Quality of Service
IOS — International Organization for Standards
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.
POP — Point Of Presence (Internet)
CMS — Content Management System
ERP — Emergency Response Plan
GATT — General Agreement on Tariffs and Trade (government)
IVR — Interactive Voice Response (telephone technology)
IBAN — International Bank Account Number
STD — Standard
WAASE — Division for Western Asia, Arab States and Europe
WIP — Work in Process
NOPAT — Net Operating Profit After Tax
RPI — Retail Price Index
EEOC — Equal Employment Opportunity Commission
AGI — Adjusted Gross Income
JV — Joint Venture
UTD — Under Trust Dated
IRS — U.S. Internal Revenue Service
FAR — Federal Acquisition Regulation
CPM — Critical Path Method
CFO — Communication Filing Officer
PNP — Plug aNd Play
MTF — Medical Treatment Facility
DNS — Domain Name System
QCEW — Quarterly Census of Employment and Wages
NAFEP — National Association of Financial and Estate Planning
VAGFE — VA-owned Government Furnished Equipment
CDO — Collateralized Debt Obligation
EOQ — economic order quantity

LTV — Loan To Value
REIT — Real Estate Investment Trust
ASP — Active Server Page
S&U — Sales and use
EOY — End-Of-Year
AUM — Assets Under Management
FAA — Federal Aviation Administration
QTY — Quantity
GNP — gross national product (economics)
EE — Employee
BOS — Behavior Observation Scale
CBA — Cost Benefit Analysis
FAS — Free Alongside Ship
NAFTA-TAA — NAFTA Transitional Adjustment Assistance
CTR — Currency Transaction Report
WRLDWD — Worldwide
AER — Annual Equivalent Rate
SLIP — Serial Line Interface Protocol
DCP — Defined Contribution Plan
CPO — Cost Per Order
INC — Intergovernmental Negotiating Committee
ROE — Return On Equity
IPS — Investment Policy Statement
EBITA — Earnings before interest taxes depreciation amortization
PV — Present Value
NGO — Non-governmental organization. (Red Cross/Crescent, Doctors without Borders, etc.)
PPO — Preferred provider organization
CPC — Cost Per Click-through
HVAC — Heating, Ventilation, and Air Conditioning
IACSD — Inter-Agency Committee on Sustainable Development
UCC — Uniform Commercial Code
IMF — International Monetary Fund
LTCM — Long-Term Capital Management
YUPPIE — Young Urban Professional
CIM — Computer Integrated Manufacturing
DKNY — Donna Karan New York
LC — Letter of Credit
WML — Wireless Markup Language
IDIQ — Indefinite Delivery, Indefinite Quantity
AFL-CIO — American Federation of Labor and Congress of Industrial Organizations
SAN — Storage Area Network
DOJ — Department of Justice (US)
CPA — Certified Public Accountant
BPML — Business Process Modeling Language
ABM — Activity Based Management
PRI — Primary Rate Interface (ISDN)
NATO — North Atlantic Treaty Organisation
CMA — Comparative Market Analysis
PIP — Performance Improvement Plan
CDC — Center for Disease Control and Prevention

UI — User Interface
RICO — Racketeer Influenced and Corrupt Organizations Act of 1970
AMEX — American Stock Exchange
ITEP — Institute on Taxation and Economic Policy
UPS — United Parcel Service, Inc.
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
ADR — American Depository Receipt
AMT — Amount for Married Taxpayers
IP — Intellectual Property
ARB — Architecture Review Board
SDR — Special Drawing Rights
HQ — Headquarters (HDQ Preferred)
PAQ — Position Analysis Questionnaire
GL — General Ledger
APT — Arbitrage Pricing Theory
EFT — Electronic Funds Transfer
FOIA — Freedom of Information Act
ICAO — International Civil Aviation Organization
SKU — Stock Keeping Unit
BOMA — Building Owners and Managers Association
EO — Executive Order
MTD — Month-to-date
FCC — Federal Communications Commission (US)
G2C — Government to Consumer
BHAG — Big Hairy Audacious Goal
NYSE — New York Stock Exchange
CFROI — Cash Flow Return on Investment
B/L — Bill of Lading
PSA — Public Service Announcement (radio/TV Term)
RONA — Return On Net Assets
SIC — Standard Industrial Classification (Code)
CTS — Carpal Tunnel Syndrome
BI — Business Intelligence
COLA — Cost of Living Adjustment (or Allowance)
AD — Advertisement
ROIC — Return on Invested Capital
BAFO — Best and Final Offer
POP — Point Of Purchase
ROR — Return on Revenue
NOA — Net Operating Assets
FAO — Food and Agriculture Organization of the United Nations
ACRS — Accelerated Cost Recovery System (finance)
PC — Politically Correct
AAA — authentication, authorization, and accounting
MSRP — Manufacturer's Suggested Retail Price
3M — Minnesota Mining And Manufacturing Company
HR — HUMAN RESOURCES
UNEP — United Nations Environment Program
CFA — Chartered Financial Analyst
BOD — Board of Directors (Budget)

CMT — Constant Maturity Treasury
ABS — Automated Bond System
NTIS — National Technical Information Service Technology Administration
AT&T — American Telephone and Telegraph (U.S. company, also known as "Ma Bell")
NRI — Net Revenue Interest
GSA — U.S. General Services Administration
DCF — discounted cash flow rate
ADP — Actual Deferral Percentage
APY — Annual Percentage Yield
SQA — Software Quality Assurance
NFO — Net Financial Obligations
DFA — Department of Finance and Administration
DOL — United States Department of Labor
YTM — Yield to Maturity
MDGD — Management Development and Governance Division
A&W — Allen & Wright (Roy Allen and Frank Wright combined their initials to name A&W Root Beer in 1922)
FLRA — Federal Labor Relations Authority's
UN — United Narions
CRS — Congressional Research Service
FINRA — Financial Industry Regulatory Authority
HIPC — Heavily Indebted Poor Countries
FIT — Financial institutions tax
ALM — Asset Liability Management
P2P — Peer to Peer (as in music file sharing systems like KaZaA)
IMAP — Internet Message Access Protocol
VC — Venture Capital
IMO — International Maritime Organization
ICFR — Internal Control Over Financial Reporting
B2B — Business to Businesse
DJIA — Dow Jones Industrial Average
CE&O — Customer education and outreach
SCM — Supply Chain Management
EIS — Environmental Impact Statement (US)
DPKO — Department of Peacekeeping Operations
LOB — Line Of Business
PD — Position Description
AD&D — Accidental Death and Dismemberment
EMA — Exponential Moving Average
DBA — Data Base Administrator
ERISA — Employee Retirement Income Security Act
REO — Real Estate Owned
FICA — Federal Insurance Contribution Act
EPS — Earnings per share
DBMS — Data Base Management System
RAM — Reverse Annuity Mortgage
CASB — Cost Accounting Standards Board
ROCE — Return On Capital Employed
Y/Y — Year-over-year
IATA — International Air Transport Association
IOC — Intergovernmental Oceanographic Commission

BRI — Basic Rate Interface
NOI — Net Operating Income
TIN — Taxpayer Identification Number
HAZMAT — Hazardous Material
A&H — Accident and health insurance
NAM — National Association of Manufacturers
SG&A — Selling, general, and administrative expenses
GMP — Good Manufacturing Practice
RTO — Reverse Take-Over
RIF — Reduction In Force
IAEA — International Atomic Energy Agency
DSO — Day Sales Outstanding
CASE — computer-automated software engineering
GIF — Graphic Interchange Format
UNRWA — United Nations Relief and Works Agency for Palestine Refugees in the Near East
D/O — Delivery Order
GAO — Government Accountability Office [formerly the General Accounting Office]
ITIN — Individual Taxpayer Identification Number
EVA — Economic Value Added
IBRD — International Bank For Reconstruction And Development (part Of The World Bank)
PDM — Product Data Management
OPM — Office of Personnel Management
CF — Cash Flow
FOB — Free On Board
SOHO — Small Office Home Office
POE — Point of Entry
NAB — Non-accrual basis
CTO — Chief Technology Officer
ARC — American Red Cross
DC — Defined Contribution
RISC — Reduced Instruction Set Computer
LOC — Line Of Credit
CRO — Chief Risk Officer
PMI — Private Mortgage Insurance
ARNP — Advanced Registered Nurse Practitioner
PFD — Preferred
COOP — Continuity of Operations
AE — Account Executive
IANA — Internet Assigned Numbers Authority
CGT — Capital Gains Tax
PM — Project Manager
ABO — Accumulated Benefit Obligation
IRC — Internal Revenue Code of 1986
BOE — Bank of England
FICCO — Fair Issac Credit Organization
P&G — Proctor and Gamble
RSF — rentable square feet
FCRA — Fair Credit Reporting Act
PERT — Program Evaluation and Review Technique
HROD — Human Resources and Organizational Development

STP — Software Test Plan
COGS — Cost of Goods Sold
DCR — Debt Coverage Ratio
CMM — Capability Maturity Model
PE — Private Equity
IFRIC — International Financial Reporting Interpretations Committee
HHS — Health and Human Services Department
OSHA — Occupational Safety and Health Act (1970)
MSA — Medical Savings Account
EIN — Employer Identification Number
BIS — Bank of International Settlements
ETF — Exchange Traded Fund
FUBU — For Us By Us
SAR — Suspicious Activity Report(ing)
MIRR — Modified Internal Rate of Return
NNN — Triple Net (Lease)
PM — Program Manager
DCA — Dollar Cost Averaging
BCR — Benefit/Cost Ratio
F/K/A — Formally known as
CP — Commercial Paper
TCO — Total Cost of Ownership
DPP — Direct Participation Program
WWW — World Weather Watch
BLM — Bureau of Land Management of United States Department of the Interior
AGR — Adjusted Gross Revenue
TM — Trademark
GA — General Assembly
CFM — Construction Facility Management
DUSHOM — Deputy Under Secretary for Health for Operations and Management
CPR — Cardio-Pulmonary Resuscitation
NSC — National Security Council
PPI — Producer Price Index
APV — Adjusted Present Value
MBA — Mortgage Bankers Association of America
ETR — Effective Tax Rate
HUD — Department of Housing and Urban Development (U.S.)
BD — Business Development
G2G — Government to Government
JD — Job Description
CISO — Chief Information Security Officer
NT — Near-Term
ACWP — actual cost for work performed
GRAT — Grantor Retained Annuity Trust
EOE — Equal Opportunity Employer
MSA — Metropolitan Statistical Area
AM — Asset Management
OTB — Open To Buy
SRM — Supplier Relationship Management
EBT — Earnings Before Tax

RO — Regional Office
WC — Worker's Compensation
TER — Total Expense Ratio
PM — Performance Management
EV — Enterprise Value
GRM — Gross Rent Multiplier
CPM — Certified Property Manager
VA — Veterans Administration
UNDMT — United Nations Disaster Management Team
ANCOM — Andean Common Market
LMRA — Labor Management Relations Act
CCAQ — Consultative Committee on Administrative Questions
GRUT — Grantor Retained Unitrust
STR — Software Test Report
SSI — Supplemental Security Income
GSF — Gross Square Feet
COS — Chief of Staff
SEO — Search Engine Optimizer
BOL — Bill Of Lading
SAR — Stock Appreciation Right
GOI — Gross Operating Income
ICE — Intrusion Countermeasures Electronics
JOA — joint operating agreement
CBIT — Comprehensive Business Income Tax
CRC — Committee on the Rights of the Child
GPO — Government Printing Office
MLS — Multiple Listing Service
EDWOSB — Economically disadvantaged woman-owned business
ALDEP — Automated Layout Design Programs
A/P — Accounts Payable
LOS — Length of Stay
FTC — Federal Trade Commission (U.S.)
WMO — World Meteorological Organization (ICSU)
ESOP — Employee Stock Ownership Plan
AMPS — Auction Market Preferred Stock
SGLI — Servicemember Group Life Insurance
SAM — Shared-Appreciation Mortgage
AQL — Acceptable Quality Level
IDIT — Intentionally defective irrevocable trust
DMA — Designated Market Area
DRP — distribution requirements planning
ROG — Receipt Of Goods
TDC — Total Direct Compensation
AICPA — L'American Institute of Certified Public Accountants
ESP — Exchange Stock Portfolio
MIGA — Multilateral Investment Guarantee Agency
RTF — Rich Text Format
CROGI — Cash Return on Gross Investment
AFDA — Allowance for Doubtful Accounts
LOA — Leave Of Absence

AMA — American Management Association
C&B — Compensation and Benefits
LMI — Labor Market Information
SEPG — Software Engineering Process Group
TTM — Trailing Twelve Months
JPEG — Joint Photographic Experts Group (24-bit image storage format)
IM — Information Management
FTA — Free-Trade Agreement
NI — Net Income
ATOI — After Tax Operating Income
RAID — Redundant Array of Inexpensive Disks
ROW — Right-Of-Way
CORBA — Common Object Request Broker Architecture
SSA — Social Security Administration
AGC — Associated General Contractors of America
PFA — Prevention of Food Adulteration Act
ECOSOC — Economic and Social Council of the United Nations
FSA — Flexible Spending Account
POCS — Points of Contact
DAC — Delivery Against Cost
ABP — Average Benefit Percentage
MAD — Mean Absolute Deviation
AOV — Average Order Value
TPL — Third-Party Liability
CMO — Chief Marketing Officer
TIPS — Treasury Inflation-Protected Securities
ERV — Estimated Rental Value
HDI — Human Development Index (UNDP yardstick of human welfare)
BOT — Balance of Trade
LWDI — Lost Work Day Injury Rate
CIMA — Chartered Institute of Management Accountants
CUM PFD — Cumulative preferred
HR&A — Human Resources and Administration
SNF — Skilled Nursing Facility
FOREX — Foreign Exchange
CAPM — Capital Asset Pricing Model
BPA — Blanket Purchase Agreement
AMF — American Machine & Foundry (bowling lane operators and former owners of Harley Davidson motorcycles)
ACO — Administrative Contracting Officer
ISO — International Standard Organisation
WAP — Wireless Application Protocol
ZIP — Zone Improvement Plan
B.A. — Bachelor of Arts
OASDI — Old Age Survivors Disability Insurance
BS — Balance Sheet
HSA — Health Savings Account
GRP — Gross Rating Point
CR — Continuing Resolution
WFC — World Food Council
ABA — American Bankers Association

CC — Civil Code
CERD — Committee on the Elimination of Racial Discrimination
NAR — National Association of Realtors
S&P — Standard & Poor's
POS — Point of Service Plan
AIG — American International Group, Inc
L/C — Letter of Credit
DMAIC — Define, Measure, Analyze, Improve, Control
EP — Earned Premium
NAVPS — Net Asset Value Per Share
CRT — Charitable Remainder Trust
BOOT — Build Own Operate Transfer
ICANN — Internet Corporation for Assigned Names and Numbers
CSRS — Civil Service Retirement System
TIL — Truth in Lending
LTD — Limited
RR — retention rate
CPM — Cost Per Thousand
CEU — Continuing Education Unit
NFA — Net Financial Assets
BBB — Better Business Bureau's
MOM — Message Oriented Middleware
T&C — Terms & Conditions
DUNS — Data Universal Numbering System
WIP — Work In Progress (process)
CV — Cost Variance
OPR — Other People's Resources
ICC — International Criminal Court
BEA — Bureau of Economic Analysis
CPM — Continuous Passive Motion
UIM — Underinsured Motorist
CAM — Common Area Maintenance (charges related to commercial leases)
OID — Original Issue Discount
PTO — Paid Time Off
Q — Quarter
OAS — Option Adjusted Spread
COTR — Contracting Officer Technical Representative
CPM — Corporate Performance Management
FINCEN — Financial Crimes Enforcement Network
RMP — Risk Management Plan
PW — present worth
ROS — Return on Sales
ADB — African Development Bank
BOP — Bureau Of Prisons
PC — Percent
KSAO — Knowledge, Skills, Abilities and Other
NIBCL — Non-interest bearing current liabilities
OTCEI — Over the Counter Exchange of India (stock exchange)
B&P — Bid & Proposal
GRIT — Grantor Retained Income Trust

ADJ — Adjust
COI — Conflict Of Interest
CTO — Compensatory Time Off
IFB — Invitation For Bid
CHR — Commission on Human Rights
A/E — Architect/Engineer
4P — Price, Product, Place and Promotion
BOT — Board of Trustees
PITI — Principal, Interest, Taxes, and Insurance
SM — Service Mark
ROGFA — Return on Gross Fixed Assets
SUA — Convention for the Suppression of Unlawful Acts Against the Safety of Maritime Navigation
MVIC — Market Value of Invested Capital
BOO — Build Own Operate
WTO — World Trade Organisation
LWP — Leave With Pay
NAV — Net Asset Value
VDT — Video Display Terminal
BDF — Beneficiary Designation Form
EFA — Education for All
MSN — Microsoft Network
OA — Operating Assets
CEPS — Cash Earnings Per Share
STSFCTN — Satisfaction
SEP — Simplified Employee Pension
SC — Security Council
TCN — Third Country National
ATO — Asset Turnover
BIW — Biweekly
PD — Paid
HRM — Human Resource Management
IASC — Inter-Agency Standing Committee
MRO — Maintenance, repair, and overhaul
TOD — Transfer on death
CUSFTA — Canada-US Free Trade Agreement
ACV — Actual Cash Value
BCP — Business Continuity Plan
KSOP — 401(k) Employee Stock Option Plan
ECP — Engineering Change Proposals
MA — Moving Average
DUSH — Deputy Under Secretary for Health
NASDAQ — National Association for Security Dealers and Automatic Quotation
LFPR — labor force participation rate
IFRS — International Financial Reporting Standard
AIA — American Institute of Architecture
CAGR — Compounded Annual Growth Rate
EOB — Explanation Of Benefits
SEC — Securities and Exchange Commission (US)
GMWB — Guaranteed Minimum Withdrawal Benefit
NPW — Net Present Worth

SBU — Strategic Business Units
SMT — Senior Management Team
ROTA — Return On Total Assets
LWO — Leave without pay
DI — Disability Insurance
JD — Juris Doctorate
PVGO — Present Value of Growth Opportunities
WC — Working Capital
SNA — System of National Accounts
RRSP — Registered Retirement Savings Plan (Canada; Roughly Equivalent To The IRA In The U.S.)
MER — Management Expense Ratio
UGMA — Uniform Gifts to Minors Act (largely replaced by UTMA)
UNFPA — United Nations Fund for Population Activities (see www.unfpa.org)
WHOL. — Wholesale
COE — Certificate of Eligibility
SOA — Service-Oriented Architecture
ECB — European Central Bank
CMA — Certified Management Accountant
FFO — Funds from operations
AJE — Adjusting Journal Entry
PIK — Payment in Kind
3PL — Third Party Logistics
HCFA — Health Care Financing Administration
CEN — Committee European de Normalisation
OJT — On-The-Job-Training
CICA — Competition in Contracting Act (1984)
UPU — Universal Postal Union
CDL — Commercial Driver's License
D&O — Directors and Officers Liability
IRCA — Immigration Reform and Control Act
CPP — Capital Purchase Program
F2F — Face-to-Face Meeting
CIP — Capital Investment Proposal
PBO — Projected Benefit Obligation
MSA — Merit Salary Adjustment
INC. — Incorporated
ISO — Incentive Stock Option
EEPROM — Electric Erasable Programmable Read Only Memory
HR — Headquarters Report
APR — Annual Percentage Rate
CMA — Certified Management Accountant
A/R — Accounts Receivable
POP — Public Offering Price
RWA — Risk Weighted Asset
ADR — Asset Depreciation Range (finance)
TRA — Tax Reform Act
IPTF — International Police Task Force
ASB — Accounting Standards Board
PHP — PHP Hypertext Processor
EIC — Earned Income Credit

ADP — Average Deferral Percent
UNHCHR — United Nations High Commissioner for Human Rights
SEM — Search Engine Marketing
JGTRRA — Jobs and Growth Tax Relief Reconciliation Act
ECI — Employment Cost Index
EPA — Equal Pay Act
DIP — Debtor In Possession
CFAT — Cash Flow After Taxes
QTD — Quarter-to-Date
UNHCR — United Nations High Commissioner for Refugees Program
FPL — Federal Poverty Level
UNCTAD — United Nations Conference on Trade and Development
UNSCO — Office of the United Nations Special Coordinator for the Middle East
FFIEC — Federal Financial Institutions Examination Council
FAK — Freight all kinds
PERL — Practical Extraction and Report Language
CRAT — Charitable Remainder Annuity Trust
POC — Proof of Claim
FCF — Free Cash Flow
ALJ — Administrative Law Judge
ODA — Official Development Assistance
ABA — Accredited Business Accountant
SIPC — Securities Investor Protection Corporation
DDU — destination delivery unit
ECF — Extended Care Facility
MC — Market Capitalization
RIA — Registered Investment Advisor
UNFCCC — United Nations Framework Convention on Climate Change
ITF — In Trust For
DTI — Department of Trade and Industry (UK)
T&D — Training and Development
FTE — Full-Time Employee
VSNL — Videsh Sanchar Nigam Limited
PHC — Personal Holding Company
MACRS — Modified Accelerated Cost Recovery System (IRS)
FHA — Federal Housing Administration
CBOT — Chicago Board of Trade
ADI — After Date of Invoice
MIME — Multipurpose Internet Mail Extension
BPM — business process management
AD & D — Accidental Death and Dismemberment
AO — Authorizing Official
EA — Electronic Arts Inc (NASDAQ Stock Exchange [NASDAQ])
ECA — Economic Commission for Africa
ITA — International Trade Administration
TL — Truckload
ISO/MSP — Independent sales organization/Member service provider
ERS — Economic Research Service
SMA — Simple Moving Average
MEC — Modified Endowment Contract

ITIL — Information Technology Infrastructure Library
CUPA — College and University Personnel Association
CFTC — Commodity Futures Trading Commission
HELOC — Home Equity Line of Credit
WRKSHP — Workshop
TWA — Time Weighted Averages
PE — Price-earnings ratio
MPEG — Moving Picture Experts Group (International Standards Organisation/International Electrotechnical Commission)
CIMC — Certified Investment Management Consultant
CIT — Corporate Income Tax
B.S. — Bachelor of Science
TRO — Temporary Restraining Order
MPS — Marginal Propensity to Save
CCI — Consumer Confidence Index
IFAD — International Fund for Agricultural Development (UN)
GAAP — Generally Accepted Accounting Procedures
ITLOS — International Tribunal for the Law of the Sea
DOI — Date of Injury
GE — General Electric American Communications Inc.
RTW — Return To Work
CME — Chicago Mercantile Exchange
ITC — Information Technology Conference
PHI — Protected Health Information
TDA — Tax Deferred Annuity
NLRB — National Labor Relations Board
EOM — End Of Month
AR — Accounts Receivable
SAS — Statement on Auditing Standards
XTML — eXtensible Telephony Markup Language
ESCAP — Economic and Social Commission for Asia and the Pacific (UN)
TSR — Terminate and Stay Resident [software program]
NAFTA — North American Free Trade Agreement
GOOS — Global Ocean Observing System (IOC, UNESCO, WMO, and ICSU)
ESO — Employee Stock Option
ART — Annual Renewable Term (life insurance)
POD — Payable on Death
CAI — Computer Assisted Instruction
DTA — Deferred tax assets
ACP — Average Contribution Percentage
AFR — Applicable Federal Rate
FMLA — Family and Medical Leave Act
TAN — Tax Anticipation Note
LOB — Line-Of-Balance
AGT — Agent
XHTML — Extensible Hypertext Markup Language
CGS — Cost of Goods Sold
IPCS — International Programme on Chemical Safety
GED — General Equivalency Diploma
NCOA — National Change Of Address
AFP — Association for Financial Professionals

OCF — Operating Cash Flow
CNF — Cost, not freight
FASAB — Federal Accounting Standards Advisory Board
FUTA — Federal Unemployment Tax Act
UNU — United Nations University
DCAA — (U.S.) Defense Contract Audit Agency
CSO — Commissioners Standard Ordinary
CCL — Center for Creative Leadership
ECE — Economische Commissie voor Europa (United Nations) (Dutch: Economic Commission for Europe)
VIE — Variable Interest Entity
FIE — Foreign-Invested Enterprise
POQ — Periodic Order Quantity
PAT — Profit After Tax
AMTI — Alternative Minimum Taxable Income
ATCF — After Tax Cash Flow
FRF — Financial Reporting Framework
HR — Human Resource
UNCED — United Nations Conference on Environment and Development
C&I — Commercial and industrial customers (Electricity transmission)
ITC — Information Technology Center
NAIC — National Association of Insurance Commissioners
BRD — Business Requirements Documentation
G2B — Government to Business
ERP — Estimated Retail Price
LLLP — Limited Liability Limited Partnership
TTD — Temporary Total Disability
TEV — Total Enterprise Value
VISN — Veterans Integrated Service Network
SS — Social Security
ISO — Independent Sales Organization
ASEAN — Association of South East Asian Nations
ETA — Employment and Training Administration
FDCPA — Fair Debt Collection Practices Act
MRQ — Most Recent Quarter
SOL — Statute of Limitations
SLS — Sales
PM — Profit Margin
EBSA — Employee Benefits Security Administration
HIBOR — Hong Kong interbank offered rate
FHLMC — Federal Home Loan Mortgage Corporation, United States
FTD — Federal Tax Deposit
CMBS — Commercial mortgage-backed securities
NFIP — National Flood Insurance Program
ROFR — Right of First Refusal (finance)
ASAE — American Society of Association Executives
CFS — Container Freight Station
SEM — Shared-Equity Mortgage
DOC — Doctor
OIOS — Office of Internal Oversight Services
DSPP — Direct Stock Purchase Plan

MANOVA — Multivariate Analysis of Variance
LEC — Local Exchange Carrier
FMS — Financial Management Service
BNA — Bureau of National Affairs, Inc.
OCR — Overall Capitalization Rate
PY — Prior Year
RE — Residual Earnings
DB — Defined Benefit (retirement Plan; For Example, A Pension)
LTO — Long-Term Option
SSD — Social Security Disability
CAFR — Comprehensive Annual Financial Report
ILAB — Bureau of International Labor Affairs
FMV — Fair Market Value
BU — Bargaining Unit
ASTD — American Society for Training and Development
BARS — Behaviourally-Anchored Rating Scale
UR — Utilization Review
SGA — Substantial Gainful Activity
CSA — Cost Sharing Arrangement
SB — Senate Bill
LTIP — Long-Term Incentive Plan
OE — Operating Expense
CIF — Cost, Insurance, and Freight (Paid) (shipping)
PRP — Preferred Risk Policy
NAICS — North American Industry Classification System
LT — Lead Time
IC — Internal Control
EXP — Export
RP — Repurchase Agreement
ACASTD — Advisory Committee on the Application of Science and Technology to Development
BPM — Business Performance Management
RAN — Revenue Anticipation Note
RIC — Regulated Investment Company
SBLC — Standby Letter of Credit
LDI — Liability Driven Investment
LSE — London Stock Exchange
HDML — Handheld Device Markup Language
AAG — Audit and accounting guides
EOI — Expression Of Interest
CK — Calvin Klein
TCE — Tangible Common Equity
RFQ — Request For Quote
CFA — Consumer Federation of America
ADC — Acquisition, Development, and Construction
PBGC — Pension Benefit Guaranty Corporation
FERC — Federal Energy Regulatory Commission (U.S.)
AMID — Allowable Miscellaneous Itemized Deductions
CAFTA — Central American Free Trade Agreement
CODASYL — Committee on Data Systems Languages
IDA — International Development Association

TDI — Temporary Disability Insurance
CFC — Chartered Financial Consultant
ST — Short-Term
CUSIP — The Committee Of Uniform Security Identification Procedures
REPO — Repurchase Agreement
AFTP — Anonymous File Transfer Protocol
DRP — Disaster Recovery Plan
IAM — Identity and Access Management
OHCHR — Office of the United Nations High Commissioner for Human Rights
RR — Revenue Ruling
SAT — Scholastic Aptitude Test
IBC — Independent Breweries Company (original manufacturer of IBC Root Beer)
GPP — Gross Profit Percentage
LEPO — Low Exercise Price Option
OASDHI — Old Age, Survivors, Disability and Health Insurance Act
VAT — Value-added taxes
BRE — Business Reply Envelope
GFE — Good Faith Estimate
CDI — Category Development Index
EISA — Extended Industry Standard Architecture
AMC — Appraisal Management Companies
AIME — Average Index Monthly Earnings
LFY — Last Fiscal Year
CPG — Consumer Packaged Goods
REV. PROC. — Revenue Procedure
IRIN — Integrated Regional Information Networks
NMS — Normal Market Size
ROOA — Return on Operating Assets
A&I — Accident and Indemnity
BCC — Blind Copied
SAAR — Seasonally Adjusted Annual Rate
IRDA — Insurance Regulatory Development Authority
OCHA — Office for the Coordination of Humanitarian Affairs
AMTFTC — Alternative minimum tax foreign tax credit
ERM — Enterprise Risk Management
UNITAR — United Nations Institute for Training and Research
MI — Mortgage Insurance
IDR — Issuer Default Rating
BRC — Business Reply Card
CIX — Commercial Internet Exchange
A&S — Accident and sickness insurance
ATP — Accredited Tax Preparer
CIO — Chief Investment Officer
TAM — Television Audience Measurement
RESPA — Real Estate Settlement Procedures Act
SCA — Service Contract Act
FS — Financial Statement
PHR — Professional in Human Resources Certification
CDHP — consumer-driven health plan
DOH — Days inventory On Hand

SB/SDB — Small Business/Small Disadvantaged Business
ADS — Alternative Depreciation System
LTA — Long-Term Agreement
FRB — Federal Reserve Board
CPA — Comprehensive Plan of Action
LBO — Leveraged Buyout
REV. RUL. — Revenue Ruling
UIC — Unemployment Insurance Commission (Canada, archaic)
NOL — Net Operating Loss
B&O — Business and Occupation
AOQL — Average Outgoing Quality Level
CPE — Continuing Professional Educational
CPIC — Capital Planning and Investment Control
AFC — Average fixed costs
SC — Securities Commission
MDB — Multilateral Development Bank
DINKS — Dual Income, No Kids
TRUPS — Trust Preferred Securities
NCSA — National Center for Supercomputing Applications
C&D — Cease and Desist
GPM — Graduated Payment Mortgage
BRIC — Brazil, Russia, India and China
WAI — Wealth Added Index
CA — Confidentiality Agreement
CODA — Cash or Deferred Arrangement (401K)
CUM — Cumulative
MMDA — Money Market Deposit Account
UTMA — Uniform Transfers to Minors Act
RAP — Regulatory Accounting Principles
USP — Unique Selling Point
QPRT — Qualified Personal Residence Trust
GAO — Government Accounting Office
CSO — Central Statistical Organisation
EBO — Employee Buyout
RO/RL — Rool on/roll off
NIOSH — National Institute of Occupational Safety and Health's
CVP — Cost-Volume-Profit
HP — Hewlett Packard's
ADEA — Age Discrimination in Employment Act's
CB — Carryback
SDD — Software Design and Development
CCP — Certified Compensation Professional
ACC — Administrative Committee on Coordination
CAD — Cash Available for Distribution
EOU — Export Oriented Unit
ATA — Accredited Tax Advisor
ECM — Enterprise Content Management
UNCIP — United Nations Commission for India and Pakistan
GPI — Gross potential income
CSO — Chief Security Officer

DFAS — Defense Financial Accounting Service
PEO — Professional Employer Organization
EPZ — Export Processing Zone
RULPA — Revised Uniform Limited Partnership Act
BOC — Budget Object Code
PDQ — Position Description Questionnaire
NSF — Not Sufficient Funds
PTP — Publicly Traded Partnership
AAAA — American Association of Advertising Agencies
PRC — Peer Review Committee
ATB — Across the Board
CHRO — Chief Human Resource Officer
LOR — Letter Of Response
AL — Assisted Living
SBLI — Savings Bank Life Insurance
ESL — English as a second language
ASU — Accounting Standards Update
LYON — Liquid Yield Option Note
DM — Direct Mail
FASAC — Financial Accounting Standards Advisory Council
CGA — Charitable Gift Annuity
CBCMC — Clinical Bar Code Multidisciplinary Committee
NCUSIF — National Credit Union Share Insurance Fund
UNZAP — United Nations Zambia Assistance Programme
CMYK — Cyan, Magenta, Yellow, Black
NVI — Negative Volume Index
BDI — Brand Development Index
ABS — Asset Based Securitization
SA — Seasonally Adjusted
NDNH — National Directory of New Hires
WTO — World Tourism Organization
EPTA — Expanded Programme of Technical Assistance
DW — Dislocated Worker
TAM — Technical Advice Memorandum
UNCITRAL — United Nations Commission On International Trade Law
IFC — International Finance Corporation
ESA — Employment Standards Administration
BID — Business Improvement District
CE — Continuing Education
AAPC — Accounting and Auditing Policy Committee
GCOS — Global Climate Observing System (WMO, IOC, UNEP, and ICSU)
DRO — Domestic Relations Order
OL — Operating Liabilities
ESI — Electronically Stored Information
LC — Limited Company
PLM — Product Lifecycle Management
CFP — Certified Financial PlannerTM
WIPO — World Intellectual Property Organization
FFY — Federal Fiscal Year
GST — Goods and Services Taxation

FERS — Federal Employees Retirement System
SDB — Small Disadvantaged Business
PCI — Per Capita Income
CEDAW — Committee on the Elimination of Discrimination against Women
QMCSO — Qualified Medical Child Support Order
NABA — National Association of Black Accountants, Inc.
ADP — Applicable Distribution Period
GSI — general salary increase
FITW — Federal Income Tax Withholding
LCC — Life Cycle Cost
ILO — International Labor Organization (UN)
CSD — Commission on Sustainable Development's
WTW — Welfare-to-Work
TA — Technology Assessment
PFS — Personal Financial Specialist
HCM — Human Capital Management
QMAC — Qualified Matching Contributions
CEA — Chief Enterprise Architect
K/A — Known as
MLR — Medical Loss Ratio
NPA — Non-Performing Assets
CUM DIV — Cumulative dividend
PAAS — Platform-as-a-Service
ROA — Return on assets
EPI — Expanded Programme on Immunization
GNMA — Government National Mortgage Association
ESOT — employee stock ownership trust
LBB — Legislative Budget Board
ACABQ — Advisory Committee on Administrative and Budgetary Questions
CLAT — Charitable Lead Annuity Trust
NOW — Negotiable Order of Withdrawal
AFN — Additional Funds Needed
NCA — National Cemetery Administration
SBC — Southwestern Bell Corporation
HC — Humanitarian Coordinator
CGMA — Chartered Global Management Accountant
GICS — Global Industry Classification Standards
CS — Cost-Sharing
PPE — Property, Plant and Equipment
MOF — Ministry Of Finance
SERP — Supplemental Executive Retirement Plan
EA — Enrolled Agent
MOH — Music On Hold
CPI-W — Consumer Price Index for Urban Wage Earners and Clerical Workers
SCORE — Service Corps Of Retired Executives
LPA — Licensed Public Accountant
OASDI — Old Age and Survivors Disability Insurance
ALC — Alien Labor Certification
CSF — Critical Success Factor
CAE — Certified Association Executive

FASB — Financial Accounting Standards Board
LT — Long Terme
EURIBOR — Euro Interbank Offered Rates
A&A — Advisory & Assistance
RI — Royalty Interest
MCC — Mortgage Credit Certificate
ISA — International Seabed Authority
LMRDA — Labor-Management Reporting and Disclosure Act of 1959
F&F — Furniture & Fixtures
PDA — Personal Data Assistant
UNAMIC — United Nations Advance Mission In Cambodia
SUTA — State Unemployment Tax Act
PY — Program Year
FAS — Financial Accounting Standards
MBS — mortgage backed security
GEF — Global Environmental Facility (environment)
DIC — Document Identifier Code
ESS — Employee Self-Service System
INSTRAW — International Research and Training Institute for the Advancement of Women
BPD — barrels per day
GAAS — Generally Accepted Auditing Standards. Perhaps only marginally less contradictory than GAAP, but they do exist, honestly.
LF — Labor Force
DIO — Days Inventory Outstanding
DOL — Degree of Operating Leverage
JEC — Joint Economic Committee
FASAB — Financial Accounting Standards Advisory Board
PDA — Payday Advance Loan
CPI — Cost Performance Index
AE — Actual Expense
FCCC — For the Framework Convention on Climate Change
ACP — Actual deferral percentage
CTV — Capital Timber Value
SOP — Statement Of Position
MRD — Minimum Required Distribution
BSM — Black-Scholes-Merton
WPI — Wholesale Price Index
PLR — Private Letter Ruling
GIF — Guaranteed Investment Fund
VOCC — Vessel Operating Common Carriers
AA — Adverse Action
FPML — Financial Products Markup Language
MUPLA — Model Uniform Products Liability Act
ERM — Enterprise Resource Management
DAF — Donor Advised Fund
EOI — Evidence of Insurability
COP — Conference of the Parties
A/S — Account sales
BCFD — Billion Cubic Feet per Day
OIBITDA — Operating Income Before Interest, Taxes, Depreciation and Amortization
ATU — Annual Tax Unit

ATR — Americans for Tax Reform
SBO — Small Business Owner
PR — Public Relations
ICTY — International Criminal Tribunal for the Former Yugoslavia
UNCCD — United Nations Convention to Combat Desertification
RSA — Rivest-Shamir-Adleman
D&F — Determination & Finding
GOV — Government Owned Vehicle
ILIT — Irrevocable Life Insurance Trust
DPP — Deferred Payment Plan
HRD — Human Resource Development
MTL — Multi-Level Marketing
EBRI — Employee Benefit Research Institute
IDP — Internally Displaced Person
CLU — Chartered Life Underwriter
SE — Self Employed
FSI — Free Standing Insert
OB — Office of Budget
BAT — Business Activity Tax
ASG — Assistant Secretary General
GL — General Liability
AAGR — Annual average growth rate
AC — Acceleration Clause
UCI — Unemployment Compensation Insurance
ABV — Accredited in Business Valuation
JOLTS — Job Openings and Labor Turnover Survey
COD — Cancellation of Debt
QBU — Qualified Business Unit
YRT — Yearly Renewable Term
EMS — Eastern Mountain Sports
CATS — Certificate of accrual on Treasury securities
TIC — Tenant In Common
DPI — Department of Public Information
LM — Last Month
ICM — Incentive Compensation Management
BDC — Business Development Center
CNS — Continuous Net Settlement
ARS — Auction Rate Securities
PTE — Pass-Through Entity
SAR — Summary Annual Report
PDA — Pregnancy Discrimination Act
TSP — Thrift Savings Plan
7S — Strategy, Structure, Systems, Style, Staff, Skills, Shared values
AEI — American Enterprise Institute
BRICS — Brazil, Russia, India, China and South Africa
ACFE — Advisory Committee on Forestry Education
CFE — Certified Financial Examiner
PUD — Planned Unit Development
SSD — Social Security Disability
BIA — Business Impact Analysis

CCM — Completed Contract Method
BOP — businessowners policy
PTA — Preferential Trade Arrangement
REI — Recreational Equipment, Inc.
CESA — Coverdell education savings account
HCO — Health Care Organization
FCFE — Free Cash Flow to Equity
CISSP — Certified Information Systems Security Professional
UNEF — United Nations Emergency Force
A/E — Accured expense
TPD — Temporary Partial Disability
MBDA — Minority Business Development Agency
FNA — Financial needs analysis
ISSA — International Securities Services Association
FRS — Federal Reserve System
BHC — Bank Holding Company
NDA — Nondisclosure Agreement
GAAP — Generally Accepted Accounting Principles
ROC — Return on Capital
IBEW — International Brotherhood of Electrical Workers
HDAPT — Hybrid domestic asset protection trust
WRA — Weighted Risk Assets
CMMI — Capability Maturity Model Integrated
WT — Warrant
UNA — United Nations Association
SRSG — Special Representative of the Secretary-General
GIM — Gross Income Multiplier
DFL — Degree of Financial Leverage
REC — Renewable Energy Certificate
DCAP — Dependent Care Assistance Program
CEBS — Certified Employee Benefits Specialist
ASF — American Securitization Forum
SCM — Supply Chain Management
XBRL — Extensible Business Reporting Language
ABF — Asset-Based Financing
CAPS — Convertible Adjustable Preferred Stock
CIA — Certified Internal Auditor (US)
LCA — Labor Condition Application
CRM — Client Relationship Management
PSI — Performance Salary Increase
LAR — Legislative Appropriations Request
SOS — Sound On Sound
USAA — United Services Automobile Association's
HFA — Housing Finance Agency
IME — Independent Medical Examination
INSARAG — International Search and Rescue Advisory Group
SIV — Structured Investment Vehicle
YOY — Year-over-year
ACV — Account Current Value
NSA — National Safety Associates

OM — Options Market
MOC — Market On Close
ABC — Audit Bureau of Circulations Inc.
GA — General Agent
ALEX — AUTOMATED LABOR EXCHANGE
GRID — Global Resource Information Database (UNEP)
MLM — Multi-Level Marketing
ECOWAS — Economic Community of West African States
SPE — Special Purpose Entity
FMCS — Federal Mediation and Conciliation Service
SMA — Separately Managed Account
ADI — Area of Dominant Influence
ATO — Administrative Time Off
ADP — Attention Dial Pulse
EGM — Extraordinary General Meeting
ISM — Interactive Studio Management
NRF — National Retail Federation
LHWCA — Longshore and Harbor Worker’s Compensation Act
BAT — Business Action Theory
FSS — Federal Supply Schedule
PCE — Personal consumption expenditure; personal consumption expenditure deflator
DPA — Department of Political Affairs
DOM — Distributed Order Management
CLUT — Charitable Lead Unitrust
ROS — Run Of Schedule
OCC — Office of the Comptroller of the Currency
LOS — Law Of The Sea
INS — Immigration & Naturalization Service
SSDI — Social Security Disability Indemnity
FIA — Federal Insurance Administration
AFE — Average Funds Employed
ROP — Run of Press
DAN — Depositor Account Number
NSA — Not Seasonally Adjusted
OTS — Office of Thrift Supervision
ICQ — Internal Control Questionnaire
CSHO — Compliance Safety and Health Officer
HECM — Home Equity Conversion Mortgage
STAR — Satellite Television Asian Region, Ltd.
BCA — Board of Contract Appeals
FRV — Fair Rental Value
MSI — Multiple Streams of Income
CIC — Consumer Information Center
DUA — Disaster Unemployment Assistance
MLP — Master Limited Partnership
CEA — Commodity Exchange Authority
BTCF — Before Tax Cash Flow
ADP — Automatic Data Processor
AML — Adjustable Mortgage Loan
SWOT — Strengths, Weaknesses, Opportunities and Threats

QSF — Qualified Settlement Fund
SBAP — Small Business Assistance Program
SPD — Summary Plan Description
EAR — Export Administration Regulations
ELP — Electing large partnership
PILOT — Payment In Lieu Of Taxes
EGI — Effective Gross Income
LTL — Less Than Truckload Lot
SBC — Summary of Benefits and Coverage
ILC — International Law Commission
STTR — Small Business Technology Transfer
GR — General Revenue
WRHSE — Warehouse
APB — Accounting Principles Board's
JPO — Junior Professional Officer
AIDA — Attention, Interest, Desire, Action
IBNR — Incurred But Not Reported
KYC — Know-your-customer
IPS — Inflation Protected Security
BOI — Business Object Interface
LIBOR — London interbank offering rate
WBG — World Bank Group
FNMA — Federal National Mortgage Association
SSUTA — Streamlined Sales and Use Tax Agreement
TPA — Third Party Administrator
ARR — Average Rate of Return
DTL — Deferred Tax Liability
CEA — Council of Economic Advisors
IIA — Institute of Internal Auditors
NNN — Net Net Net
AWW — average weekly wage
CLA — Cross-Licensing Agreement
RFPA — Right to Financial Privacy Act of 1978
UNCIVPOL — United Nations Civilian Police
HRMS — Human Resource Management System
FAS — Finance and Accounting System
ATB — Accountants Trial Balance
FSLIC — Federal Savings & Loan Insurance Corporation
EMP — Environmental Planning and Management
DFEH — Department of Fair Employment and Housing's
TIP — Transportation Improvement Program
ECM — Excess cash margin
OR — Operations research
CGQ — Corporate Governance Quotient
SMSA — Standard Metropolitan Statistical Area
UCR — Usual, Customary and Reasonable Fees
NL — No-Load
RFA — Regulatory Flexibility Act (US)
FMC — Federal Maritime Commission's
MUD — Multiple User Dungeon

TIF — Tax Increment Financing
CPP — Cost Per rating Point
UNMISET — United Nations Mission of Support in East Timor
NSA — National Society of Accountants
FMR — Fair Market Rental
SSDI — Social Security Disability Insurance
FEIN — Federal Employment Identification Number
FWT — Federal Withholding Tax
GASB — Governmental Accounting Standards Board
C2C — Customer to Customer
JTPA — Job Training Partnership Act
AACU — American Association of Colleges and Universities
ITAM — IT asset management
TVM — Time Value of Money
PTAC — Procurement Technical Assistance Center
HFS — Hold for sale
CI — Contract Item
RTW — Right to Work
COL — Cost Of Living
OASDHI — Old Age, Survivors, Disability, and Health Insurance
OC — Opportunity Cost
IDA — Industrial Development Authority
ESA — Coverdell education savings account
UNOPS — United Nations Office for Project Services
RTN — Routing Transit Number
UL — Universal Life
UAW — United Auto Workers
MAS — Multiple-Award Schedule
PCAOB — Public Company Accounting Oversight Board
CNC — Currently Not Collectible
NMFC — National Motor Freight Classification
UNOCHA — United Nations Office for the Coordination of Humanitarian Affairs
TPD — Third-party designee
SNE — Salaried Non-Exempt
SEA — Securities Exchange Act
ABCP — Asset Backed Commerical Paper
AFTS — Automatic Funds Transfer Services
ROTC — Reserve Officer Training Corporation
BOA — Basic Ordering Agreement
URO — Utilization Review Organization
LTD. — Limited
EPROM — Electrically Programmable Read Only Memory
CEMP — Comprehensive Emergency Management Program
CBA — Controlled Business Arrangement
CFA — Committee on Food Aid Policies and Programmes
TC — Trusteeship Council (UN)
WHA — World Health Assembly
ABMS — Activities Based Management System
BBDO — Batten, Barton, Durstine & Osborn
ECOA — E-Mail Change of Address

DSI — Discretionary Salary Increase
BOC — Business Operations Committee
GLA — Gross Leaseable Area
TSA — Tax-sheltered annuity
ASCI — Advertising & Standards Council of India
CPSC — Consumer Products Safety Commission
RBM — Roll Back Malaria
FCB — Foote Cone & Belding
FP — Fixed Price
ALBM — Automated Lending and Borrowing Mechanism
TEFRA — Tax Equity and Fiscal Responsibility Act of 1985
UNAMIR — United Nations Assistance Mission for Rwanda
SSOP — Second Surgical Opinion Program
OCP — Overland Common Point
MLD — Market-linked deposit
CDFI — Community Development Financial Institution
BRM — Business Reference Model
SHRM — Society for Human Resource Management's
BTT — Business Transfer Tax
FACCT — Foundation for Accountability
VOPAN — Voice Pitch Analysis
FT — Full-Time
ECP — Emergency Conservation Program
BPC — Business Planning Cycle
TAMRA — Technical and Miscellaneous Revenue Act of 1988
VSOE — Vendor-Specific Objective Evidence
SPAC — Special-purpose acquisition company
NRE — Net realizable equity
SIAP — Statistical Institute for Asia and the Pacific
DAGMAR — Defining Advertising Goals for Measured Advertising Results
E/M — Evaluation and Management
STD — Short-term disability
UNDAF — United Nations Development Assistance Framework
(X) — Export
IBR — Income-based repayment
TDB — Temporary Disability Benefits
B2C — Business to Consumer
BCS — Business Case Study
IAP — Initial advance payment
AATF — Airport and Airway Trust Fund
MCI — Microwave Communications Incorporated
PVFC — Prepaid variable forward contract
CEBS — Certified Employee Benefit Specialist
MST — Marketable Securities Tax
IRD — Income in respect of a decedent
NCUA — National Credit Union Administration
UPE — Unreimbursed Partnership Expenses
EITC — Earned Income Tax Credit
SFH — Single Family Home
LCM — Lower of Cost or Market

EAC — Employee Advisory Committee
P&I — Principle and interest payment
SDI — State Disability Insurance
ECR — Executive Conference Room
TL — Time & Labor
BAA — Business Associate Agreement
ECOA — Equal Credit Opportunity Act
COCA — Cost of capital allowance
FVO — Fair Value Option
EPCM — Exempt-contract, percentage-of-completion method
GTOS — Global Terrestrial Observing System
DCAP — Dependent Care Assistance Plan
ICJ — International Court of Justice
CBL — Common Business Language
A&A — Assessment and Accreditation
SEPA — Single Euro Payments Area
SMM — Summary of material modifications
SOC — Standard Occupational Classification
PBT — Profit Before Tax
CPO — Chief of Purchasing Office
ELI — Equity Linked Investments
UNOMIG — United Nations Observer Mission In Georgia
ODF — OpenDocument Format
NCCI — National Council on Compensation Insurance
USC — United States Code
OSG — Office of the Secretary-General
A/O — Administrative Offices
NRA — Non-Resident Alien
P/E — Price-to-earnings ratio
BAT — Budget Advisory Team
ITSD — Information Technology Services Division
UNDG — United Nations Development Group
DK — Dorling Kindersley
W/C — Working Capital
MLR — Monthly Labor Review
BDI — Behavioral Description Interview
EFW — Electronic Funds Withdrawal
DFI — Derivative Financial Instrument
ADA — Associate Deputy Administrator
HCA — head of contracting activity; humanitarian and civic assistance
ITMP — Information Technology Management Program
HC — human capital
MSB — Money Service Businesses
C-TPAT — Customs-Trade Industry Against Terrorism
TSR — Tactical Studies Rules
MTC — Multistate Tax Commission
ITSM — Information Technology Service Management
LTC — Long-Term Care
CFC — Court of Federal Claims
FRA — Federal Reserve Act

FSA — Farm Service Agency
NPT — Non-Proliferation Treaty
AIC — Architecture and Infrastructure Committee
CPLTD — Current portion of long-term debt
NQDC — Nonqualified deferred compensation
LDW — Last Day Worked
WRC — World Radiocommunication Conference
ROC — Rate of Change
USF — Usable Square Feet
DWC — Days working capital
EPA — Expanded Programme of Assistance
DBO — Death Benefit Only
FS — Forest Service (USDA)
USD — US Dollars
GIST — Graphics and Intelligence based Script Technology
PIA — Primary Insurance Amount
FHLB — Federal Home Loan Bank
SSB — Securities Supervisory Board
ALV — Average Lease Value (Cars)
CCC — Commodity Credit Corporation
CHB — Custom House Broker
TCOE — Total Cost of Equity
IGE — Intergovernmental Group of Experts
UNMIK — United Nations Interim Administration Mission in Kosovo
3COM — Computer, Communications and Compatibility
MCC — Merchant category codes
NAAS — Network as a Service
GTL — Group Term Life Insurance.
TTL — Total Linhas Aéreas
ITAC — Information Technology Advisory Committee
PGI — Potential Gross Income
AET — Accumulated Earnings Tax
MLS — Mass Layoff Statistics
ADEA — Age Discrimination and Employment Act
OOB — OOS out of business
PIC — Prior Informed Consent
NASBA — National Association of State Boards of Accountancy
ATB — Adjusted Trial Balance
UNCT — United Nations Country Team
VSOP — Very Special Old Pale
ITMRA — Information Technology Management Reform Act (Part of the Clinger-Cohen Act)
DHL — Dag Hammarskjöld Library
MOTO — Mail order-telephone order
DPO — Days payables outstanding
FMHA — Farmers Home Administration
ASPPA — American Society of Pension Professionals & Actuaries
POP — Premium Only Plan
IRA — Individual Retirement Arrangement
TRNSFR — Transfer
FRA — Full Retirement Age

AX — Armani Exchange
CSE — Customer Service Environment
UNIFIL — United Nations Interim Force In Lebanon
PT — Part-Time
MLP — Minimum lease payments
WBC — Women Business Center
LEO — Long-term Equity Options
HPI — Human Poverty Index
MLA — Minimum Liquid Assets
PEP — Personal Exemption Phaseout
SESA — State Employment Security Agency
REA — Return on assets
ECOMOG — Economic Community of West African States' Monitoring Observer Group
REG. — Regulation
COSO — Committee of Sponsoring Organizations
LTI — Long-term incentive
NNTP — Network News Transport Protocol (ATM)
DAPT — Domestic Asset Protection Trust
CPC — Committee for Programme and Coordination
SMLLC — Single Member Limited Liability Company
PSC — Personal Service Corporation
CCA — Consolidated Contracting Activity
CCH — Commerce Clearing House
OLA — Office of Legal Affairs
BAN — Bank anticipation notes
CSV — Cash Surrender Value
HSBC — Household Bank Corporation
S&L — Savings and Loan
DII — Days in Inventory
DOLETA — Department of Labor Employment and Training Administration
COST — Council on State Taxation
B&N — Barnes and Noble
EDA — Economic Development Administration's
MTHLY — monthly
SRA — Supplemental Retirement Annuity
EVM — Earned Value Management
CEC — Continuing Education Center
AFICS — Association of Former International Civil Servants
OD — Organizational Development
IDNDR — International Decade for Natural Disaster Reduction
NAC — National Acquisition Center
TAB — Tax Anticipation Bill
AFN — Annual Funding Notice
ABLOS — Advisory Board on the Law of the Sea
ERD — Emergency Response Division
LINTAS — Levers International Advertising Services
ESOP — Employee Stock Option Plan
TAT — Total asset turnover
F&C — Free and Clear
BML — Bean Markup Language

RIM — Retail Inventory Method
MRPS — Mandatorily redeemable preferred stock
BIMS — Business Information Management Suite
CSR — Corporate Social Responsibilty
CC — Capital Contribution
SHOP — Small Business Health Options Program
DVA — Debt value adjustment
OTB — Off-Track Betting
E&P — Earnings & Profits
UNCSW — United Nations Commission on the Status of Women
DBPP — Defined Benefit Pension Plan
MSRB — Municipal Securities Rulemaking Board
DESIPA — Department for Economic and Social Information and Policy Analysis
MBA — Masters of Business Administration
ASB — Auditing Standards Board's
I-9 — I-9 Form
0DSAC — 90 days, same as cash
AFB — American Farm Bureau, Inc.
CAO — Contract Administration Office
ICSC — International Civil Service Commission
PCCM — Percentage-of-completion/capitalized cost method
MTM — Market to Market
ICE — Internal control evaluation
ACFR — Advisory Committee on Fishery Research
DBT — Days Beyond Terms
CHL — Customs house license
COFI — Cost of Funds Index
BONUCA — United Nations Peace-Building Office in the Central African Republic
CRAFT — Computerised Relative Allocation of Facilities Techniques
OGC — Office of the General Counsel
FLP — Family Limited Partnership
UNSECOORD — Office of the United Nations Security Coordinator
CETA — Comprehensive Employment and Training Act of 1975
DCPP — Defined Contribution Pension Plan
CSA — Capital Support Agreements
OER — Operation Expense Ratio
PEG — Price to Earnings Growth
RSI — Relative Strength Indicator
RCN — Replacement Cost New
VEBA — Voluntary Employees' Beneficiary Association
IASC — International Accounting Standards Committee
DMFAS — Debt Management and Financial Analysis System
DIT — Deposit in Transit
PING — Pocket Internet Gopher
SBA — Small Business Administrations
SFOR — Stabilization Force
UTC — Uniform Trust Code
SWT — State witholding tax
PAM — Pledged Account Mortgage
VA — Veterans Affairs

SEPED — Social Development and Poverty Elimination Division
FSLMRA — Federal Service Labor-Management Relations Act
CCPOQ — Consultative Committee on Programme and Operational Questions
EM — Emergency Loan Program
PBA — Pending bank approval
UC — Unemployment Compensation
DDSN — Demand-driven supply networks
GPO — Guaranteed Purchase Option
FRS — Functional Requirements Specifications
ACRB — Architectural Change and Review Board
TBC — To Be Contested
MHPA — Mental Health Parity Act of 1996
IAAS — Infrastructure as a Service
AJB — America’s Job Bank
UNV — United Nations Volunteers Programme
TARP — Troubled Assets Relief Program
INA — Immigration and Naturalization Act
GAW — Global Atmosphere Watch (WMO)
LAIA — Latin American Integration Association
SCIN — Self-canceling installment note
EMT — Executive Management Team
VA — Variable Annuity
NSX — National Stock Exchange
MAGI — Modified Adjusted Gross Income
HWRP — Hydrology and Water Resources Programme
J&S — Joint and Survivorship
SDNP — Sustainable Development Networking Programme
FAME — Facilities Maintenance Engineering
SLOB — Separate Line of Business
PDA — Public Displays of Affection
MW — minimum weight
SIB — Securities and Investment Board
ECU — Emergency Coordination Unit
UNDCP — United Nations International Drug Control Programme
ALC — Agency Location Code
FCA — Farm Credit Administration
ETC — Estimate To Completion
CMSA — Consolidated Metropolitan Statistical Area
ALTA — American Land Title Transfer
NABARD — National Bank for Agricultural and Rural Development
RELP — Real Estate Limited Partnership
REMIC — Real Estate Mortgage Investment Conduit
N/P — Note payable
NAAEC — North American Agreement on Environmental Cooperation
CVLI — Cash Value Life Insurance
ACW — African Centre for Women
UNCC — United Nations Compensation Commission
AA — Author Alteration
MP3 — Moving Pictures Experts Group 1 Audio Layer 3
PFR — Portable Font Resource

WI — Working Interest
APOC — Administrative Point of Contact
ITS — Intermarket Trading System
SMP — Special Multiperil Policy
WKLY — Weekly
SDVOSB — Service-Disabled Veteran-Owned Small Business
EIC — Earned Income Tax Credit
ITBAT — IT Budget Analysis Team
UNGOMAP — United Nations Good Offices Mission In Afghanistan and Pakistan
EDI — Electronic Date Interchange
CEA — Certificate of Educational Achievement
NRD — Normal Retirement Date
UNSC — United Nations Security Council
GSTP — Global System of Trade Preferences
DSA — Disaster Debt Set-Aside Program
HCTC — Health Coverage Tax Credit
ARD — Actual retirement date
B/S — Benefits/Services
D&B — Dun & Bradstreet
SIC — Standard industrial clssification
ASBL — American Small Business League
IRB — Internal Revenue Bulletin
PE — Price to Earnings Ratio
CCR — Central Contracting Registry
CAPP — Cash Account Pension Plan
PMSA — Primary Metropolitan Statistical Area
IPA — Inflation Protected Annuity
FEA — Fair Employment Act
ERTA — Economic Recovery Tax Act
PAR — Public Accounting Report
CPP — Consumer Preferences and Policy
NRI — Net Rising Index
REA — Retirement Equity Act
ASR — Accelerated Stock Repurchase
CAA — Congressional Accountability Act
CFIUS — Committee on Foreign Investment in United States
COD — Country Operations Division
HRA — Health Reimbursement Account
UNOVER — United Nations Observer Mission to Verify the Referendum in Eritrea
CGL — Comprehensive General Liability
SPFS — Special Programme for Food Security
LEAF — Logistics, Engineering, Acquisition, and Finance
IUC — Information Unit for Conventions
EFTA — European Free Trade Area
UNPD — United Nations Population Division
NR — Not Rated
UNAFRI — United Nations African Institute for the Prevention of Crime and the Treatment of Offenders
NLRA — National Labor Relations Act
BPO — Broker Price Opinion
SAMS — Systemic Advocacy Management System

ICDC — International Child Development Centre
CBC — Community Based Outpatient Clinic
IASB — International Accounting Standards Board
GMIB — Guaranteed Minimum Income Benefit
PL/PD — Personal liability/property damage
OFCCP — Office of Federal Contract Compliance Programs
AUI — Auxiliary Unit Interface
ITC — International Trade Center
UNMIBH — United Nations Mission in Bosnia and Herzegovina
AIMS — Advertising and Integrated Marketing Solutions
HRIS — Human Resource Information System
VAO — Virtual Acquisition Office
C&P — Compensation & Pension
UNJSPF — United Nations Joint Staff Pension Fund
UNOMUR — United Nations Observer Mission Uganda-Rwanda
ICGFI — International Consultative Group on Food Irradiation
GEMS — Global Environment Monitoring System
EDP — Employee Development Plan
IMR — Information Management Research
EIA — Equity Indexed Annuity
M&A — Merger & Acquisition
IAS — International Accounting Standards
BET — Business entity tax
DBA — Davis-Bacon Act
VOSB — Veteran-Owned Small Business
SSVS — Statement on Standards for Valuation Services
WCC — World Climate Conference
PVT — Persons Viewing Television
DRTV — Direct Response Television
CICP — Centre for International Crime Prevention
UTLZTN — Utilization
CRUT — Charitable Remainder Unitrust
R&C — Reasonable and Customary
DRC — Deficit Reduction Contribution
MSP — Managed Service Provider
SAM — System for Award Management
ARB — Accident Review Board
ILC — Industrial Loan Company
GIC — Guaranteed Investment Contract
PH.D. — Doctorate Of Philosophy
OI&T — Office of Information and Technology
HUDCO — Housing and Urban Development Corporation Limited
PWC — Public Works Commission
MMC — Money market certificate of deposit
DNA — Distributed Internet Application Architecture
GPHR — Global Professional in Human Resources
QAI — Quality Assurance International
WHD — World Habitat Day
HRIS — Human Resources Information System
FO — Foreign to occupation

HDR — Humanitarian Daily Ration
HRA — Health Reimbursement Arrangement
NACUBO — National Association of College & University Business Organizations
UNDOF — United Nations Disengagement Observer Force
QR — Quality Review
AR — Architecture Requirements
CSP — Certified Speaking Professional
UNAVEM — United Nations Angola Verification Mission
FICCI — Federation of Indian Chamber of Commerce and Industry
CPFFC — Cost-plus-fixed-fee contract
DPSP — Deferred Profit Sharing Plan
UNIIMOG — United Nations Iran-Iraq Military Observer Group
CISC — Common Instruction Set Computer
USG — Under Secretary General
DOCO — Development Operations Coordination Office
MEWA — Multiple Employer Welfare Arrangement
SARSEP — Salary Reduction Simplified Employee Pension Plan
I&A — Interest and amortization
VPFC — Variable Prepaid Forward Contract
BPO — Business Process Optimization
SDE — Service Delivery and Engineering
DEC — Deductible voluntary employee contributions
CBI — Compliance and Business Integrity
SAS — Statement of Accounting Standards
MTTR — Mean Time To Recovery
COHRS — Central Office Human Resources Service
COPICS — Communication Oriented Production and Information Control System
WCEFA — World Conference on Education for All
IMRB — Indian Market Research Bureau
DAW — Division for the Advancement of Women
EAPA — Employee Assistance Professionals Association, Inc
DFS — Dancer Fitzerald Sample
UNAMSIL — United Nations Mission In Sierra Leone
ECN — Electronic Communications Network
BV — Book value
CDS — Credit default swaps
LAC — Division for Latin America and the Caribbean
HB — House B ill
VWAP — Value Weighted Average Price
ALBCC — Account Level Budget Cost Center
R/E — Real estate
DEFRA — Deficit Reduction Act
NAO — National Administrative Offices
SEI — Software Engineering and Integration
UNSCEAR — United Nations Scientific Committee on the Effects of Atomic Radiations
UNRISD — United Nations Research Institute for Social Development
CFS — Committee on World Food Security
C&A — Certification & Authority
AGGG — Advisory Group on Greenhouse Gases
LEI — Leading Economic Indicators

UNMEE — United Nations Mission in Ethiopia and Eritrea
CPR — Committee of Permanent Representatives
DDB — Doyle Dane Bernbach
CSCS — Computer Software Components
QAIP — Quality Assurance and Improvement Plan
UCR — Usual, customary, and reasonable
ZEBRA — Zero-balance reimbursement account
PCFRC — Private Company Financial Reporting Committee
TCDC — Technical Cooperation among Developing Countries
SV — Salvage value
QSPE — Qualified special purpose entity
FACT — Fair and Accurate Credit Transactions Act of 2003
EDGAR — Electronic Data Gathering, Analysis and Retrieval
BEIT — Business Enterprise Income Tax
TCBY — The Country's Best Yogurt
CSI — Commissioners Standard Industrial Mortality Table
FOM — Field Operations Manual
ICC — International Chamber of Commerce
LOC — Letter of Comment
BNIB — Business Needs and Investment Board
OES — Occupational Employment Statistics
ALA — American Legion Auxiliary
CODI — Cancellation of Debt Income
VAL. — Value
SOV — Share Of Voice
UNVFVT — United Nations Voluntary Fund for Victims of Torture
FOF — Fund of Funds
ICPD — International Conference on Population and Development
CHFC — Chartered Financial Consultant
CEIS — Corporate Executive Information System
NPL — Nonperforming loan
UI — Unemployment Insurance
ROA — Regional Office for Africa
UNAIDS — Joint United Nations Programme on HIV/ Acquired Immune Deficiency Syndrome
ROU — Right of Use
DVOP — Disabled Veterans Outreach Program
MBE — Mortgage banking enterprise
SBJPA — Small Business Job Protection Act of 1996
FPO — Fruit Products Order
PBM — Pharmacy Benefits Management (or Manager)
UNHSP — United Nations Human Settlements Programme
IRP — Industry Risk Premium
SYSTEM — Save YourSelf Time, Engergy, and Money (as reported by www.just15minutes.com)
DOT — Dictionary of Occupational Titles
CIPP/G — Certified Information Privacy Professional/Government
DR — Direct Response
UNISPAL — United Nations Information System on the question of Palestine
ITEAM — Information Technology Enterprise Architecture Management
ZEN — Zero Effort Network
SE — Salaried Exempt

B2C — Business to Citizen
UNCHS — United Nations Centre for Human Settlements
SRO — See Self-Regulatory Organization
BPO — Bargain Purchase Option
TALF — Term Asset-Backed Securities Loan Facility
KSA — Knowledge, Skills, Abilities
ROAE — Return on Assets Employed
CCS — Care Coordination Services
MDIB — Minimum Distribution Incidental Benefit
ND — Network Director
CSEMO — Corporate Senior Executive Management Office
UNOMSA — United Nations Observer Mission in South Africa
VHA — Veterans Health Administration's
USCIS — US Citizenship and Immigration Services
SFAS — Statements of Financial Accounting Standards
WARN — Worker Adjustment and Retraining Notification Act of 1988
UDITPA — Uniform Division of Income for Tax Purposes Act
OOH — Occupational Outlook Handbook
DNAMTI — Distributable Net Alternative Minimum Taxable Income
FACHE — Fellow in American College of Healthcare Executives
GMP — Guaranteed Maximum Price
CRM — Credit Risk Management
FSA — Flexible Spending Arrangement
ITARS — IT Acquisition Request System
ZBB — Zero-based budgeting
ADAS — Associate Deputy Assistant Secretary
WCP — World Climate Programme (WMO/ICSU)
CSVLI — Cash surrender value life insurance
BB — Base Benefits
VXML — Voice eXtensible Markup Language
BNI — Business Needs and Investment
NC — National Cemetery
BAT — Bureau of Apprenticeship and Training
DI — Debt instrument
YAHOO — You Are Hazy Over Oranges
UNPROFOR — United Nations Protection Force (in Former Yugoslavia)
CCC — Cost Containment Center
SBD — Small Disadvantaged Business
MOD — Manufacturing on demand
ATNOLD — Alternative Minimum Tax Net Operating Loss Deduction
PCB — Programme Coordination Board
EPPA — Employee Polygraph Protection Act
LDC — Low Death Conflict
FLC — Foreign Labor Certification
DTCC — Depository Trust & Clearing Corp
UNCCP — United Nations Conciliation Commission for Palestine
GSR — General Securities Representative
FECA — Federal Employer’s Compensation Act
CBD — Chief Benefits Director
DSW — Discount Shoe Warehouse

DMB&B — D'arcy Masius Benton & Bowles
IAS — United Nations University Institute of Advanced Studies
BCAG — Business Community Advisory Group
EBP — Employee Benefits Plan
ETN — Exchange Traded Note
DUS — Dollar Unit Sampling
CPHR — California Professional in Human Resources Certification
DME — Development/Maintenance/Enhancement
SSBCI — State Small Business Credit Initiative
ECAB — Employee's Compensation Appeals Board
UNICRI — United Nations Interregional Crime and Justice Research Institute
HRCI — Human Resource Certification Institute
OASI — Old Age Survivors Insurance
DGFT — Director General of Foreign Trade
CCD — Centralized Contracting Division
ODDS — Online Data Delivery System
ITC — International Training Centre
PEC — Potential earnings converted
UMB — United Missouri Bank
CCR — Central Contractor Registeration
SPE — Senior Procurement Executive
BQ — Best Qualified
CPDO — Constant Proportion Debt Obligation
GEM — Growing Equity Mortgage
CSD — Commission for Social Development
UNDHL — United Nations Dag Hammarskjölds Library
SMI — Supplemental Medical Insurance (US Medicare Part B)
EEOICPA — Energy Employee Occupational Illness Compensation Program Act
MEC — Minimum essential coverage
ATNOL — Alternative Minimum Tax Net Operating Loss
TEA — Technology-enabled auditing
EB — Extended Benefits
PWBA — Pension and Welfare Benefits Administration
HVCC — Home Valuation Code of Conduct (mortgage and appraisal industry)
PCM — Percentage-of-completion method
CHS — Commission on Human Settlements
CFOC — Chief Financial Officers Council
CPD — Comprehensive Programme on Disarmanent
OSSG — Office of the Spokesman for the Secretary-General
TA — Technical Advisers
QJSA — Qualified Joint and Survivor Annuity
D/L — Demand loan
D2D — Developer to Developer
CCPA — Consumer Credit Protection Act
IDS — Income Deposit Securities
PM PAR — Program Management Policy, Assessment, and Reporting
IEC — Inter Exchange Carrier
NRMLA — National Reverse Mortgage Lenders Association
OIS — Overnight Index Swaps
DRPC — Division for Resources Planning and Coordination

NRA — Normal Retirement Age
FRN — Floating rate notes
CIP — Capital Investment Process
ICS — Information Centres Services
KSA — Knowledge Skills or Abilities
UNSO — United Nations Sudano-Sahelian Office
LA — Labor Area
DITC — Division on International Trade in Goods and Services, and Commodities
COS — Cost of sales
NIB — New In the Box
AC — Associate Chief of Staff
FCCPA — Federal Consumer Credit Protection Act of 1968
JECFA — Joint Expert Committee on Food Additives
CFO — Chief Financial/Fiscal Officer
GAAC — Government Accounting and Auditing Committee
IDS — International Development Strategy
ECM — Energy Conservation Measures
PCA — Permanent Court of Arbitration
OUSG — Office of the Under Secretary General
PCE — Pre-existing Condition Exclusion
QME — Qualified Medical Examiner
QE — Quarter Ending
UNIDO — United Nations Industrial Development Organization
PCE — Private Commercial Enterprise
SDA — Self-directed brokerage account
GINA — Genetic Information Nondiscrimination Act of 2007
TRASOP — Tax Reduction Act ESOP
SME — Small- to medium-sized entities
UNMOT — United Nations Mission of Observers in Tajikistan
ACII — American Association of Individual Investors
MTB — Motor transportation broker
SAAR — Seasonally Adjusted Annualized Rate
SSNVS — Social Security Number Verification System
DSPD — Division for Social Policy and Development
GTC — Good Till Canceled Order
HR — Human Rights's
CIK — Central index keys
WST — Waste Systems and Transportation
COMP. — Item given for free
UNCDF — United Nations Capital Development Fund
SIFMA — Securities Industry and Financial Markets Association
OR — Operating revenue
TESSA — Tax-Exempt Special Savings Account
CAMPS — Cumulative Auction Market Preferred Stock
VUL — Variable Universal Life
FAAS — Financial Assurance and Accountability Standards
NSTP — National Society of Tax Professionals
IFUP — International Forum on Urban Poverty
CAT — Commercial Activity Tax
GST — Generation-Skipping Transfer

BRM — Business Relationship Meeting
BIOLAC — United Nations University Programme for Biotechnology in Latin America and the Caribbean
PWD — Prevailing Wage Determination
IAB — Internet Advertising Bureau
HARP — Home Affordable Refinance Program
NAP — Noninsured Crop Disaster Assistance Program
LCD — Labor Cost Distribution
SLA — Share lending agreement
EBS — Employee Benefits Security
UNSCOM — United Nations Special Commission for the Elimination of Iraq's Weapons of Mass Destruction
SITC — Standard International Trade Classification
BKPR — Be Kind, Please Rewind
UNSMIH — United Nations Support Mission In Haiti
NIC — Newly Industrialized Countires
MHAEA — Mental Health and Addiction Equity Act
INCB — International Narcotics Control Board
ITLO — Information Technology Logistics Office
PIM — Product Information Management
EPLI — Employment Practices Liability Insurance
IETC — International Environmental Technology Centre
CTI — Category, Type, Item
CEIT — Comprehensive business income tax
VEVRA — Vietnam-Era Veterans Readjustment Act
CTI — Computer/Telephone Integration
SRPM — Stated Redemption Price at Maturity
NCO — Net chargeoffs
RDC — Remote Deposit Capture
PE — Pass-through entity
CBO — Chief Business Office
GAP — Gross amount paid
DESA — Department of Economic and Social Affairs
UNCRD — United Nations Centre for Regional Development
SSM — Software Service Manager
EMV — Europay, Master Card and Visa
LCL — Less than Carload Lot
RET — Retirement earnings test
LDP — Last Day Paid
ZEN — Zero Engine Noise
SSTP — Streamlined Sales Tax Project
DR. — Debit
PA — Public Accountant
IAF — Inflation Adjustment Factor
EDA — Economically Depressed Area
SLA — Supplemental Lease Agreements
BSNL — Bharath Sanchar Nigam Limited
UNIC — United Nations Information Centre
GAAFR — Governmental Accounting, Auditing, and Financial Reporting
UNICC — United Nations International Computer Centre
COLI — Cost of Living Index
ECDC — Economic Cooperation Among Developing Countries

ATP — Acquisition Training Program
SVNGS — Savings
HAC — Health Administration Center
DAP — Direct Access Program
NE — Non-Exempt
TN — Temporary Visa
PIPE — Public investment in private equity
AAA — Authentication, Authorization & Access
IFOR — Implementation Force
EOSG — Executive Office of the Secretary-General
WMU — World Maritime University
UNOHCI — United Nations Office of the Humanitarian Coordinator for Iraq
IDB — Industrial Development Board
QWL — Quality of Work Life
PTD — Procurement and Transportation Division
MF — Medical Facilities
NPA — National Plans of Action
CPK — California Pizza Kitchen
CEHIST — Center for Evaluation of Healthcare Information Systems & Technology
UNTAET — United Nations Transitional Administration in East Timor
APIC — Additional paid-in capital
BPC — Budget Priority Committee
PCS — Post-contract customer support
ASSE — American Society of Safety Engineers-Professional
CESCR — Convention on Economic, Social and Cultural Rights
UNOGIL — United Nations Observation Group In Lebanon
ICRA — Investment Information and Credit Rating Agency
QNEC — Qualified nonelective contributions
STF — Summary Tape File
DTP — Data Transfer Program
LMA — Labor Market Area
PRP — Potentially Responsible Party (Superfund)
JVC — Japan's Victor Company
FMRR — Financial Management Rate of Return
MSER — Multi-state Employer Registration
VOB — Veteran-Owned Business
FCA — Division for Finances, Control and Administration
OSDBU — Office of Small and Disadvantaged Business Utilization
JCT — Joint Committee on Taxation
BEST — BrihnanMumbai Electric Supply and Transport
QCR — Quarterly Contributions Report
FWCW — United Nations Fourth World Conference on Women
FBAR — Foreign Bank & Financial Account
USM — Unlisted Securities Market
RFM — Rcency, Frequency, Monetary Analysis
WCB — Workers Compensation Board
SRO — Self Regulatory Organization
RMBS — Residential mortgage backed securities
CCAQ(PER) — Consultative Committee on Administrative Questions (Personnel and General Administrative Questions)
CCISUA — Coordinating Committee of International Staff Unions and Associations of the United Nations System

FPM — Flexible Payment Mortgage
QTIP — Qualified Terminable Interest Property
CFBT — Cash flow before taxes
DCM — Department Cost Manager
TILA — Truth In Lending Act
IAG — International Auditing Guidelines
DIMA — Division of Information Management and Analysis
UNDAW — United Nations Division for the Advancement of Women
ITOC — Information Technology Oversight & Compliance
CRA — Credit Rating Agency
RFB — Request For Bid
GEENET — Global Environmental Epidemiology Network
HST — Health Statistics
ZAW — Zero Administration for Windows
NFFE — Nonfinancial foreign entity
UNOG — United Nations Office at Geneva
DBB — Design-bid-build
COSG — Collaborative Opportunities Steering Group
VWAP — Volume-weighted average price
FASIT — Financial asset securitization investment trusts
EAT — Exchange Accommodation Titleholder
GRC — Goverance, risk and compliance
TP — Technical Proposal
COSVA — Chief of Staff
DUSB — Deputy Undersecretary for Benefits
LMI — Lender's mortage insurance
NATP — National Association of Tax Professionals
IPI — Industrial Protection Index
CCP — Collateralized commercial paper
PMV — Private Market Value
FTR — family tracing and reintegration
FSP — FASB Staff Position
HQS — Housing Quality Standards
WGEID — United Nations Working Group on Enforced or Involuntary Disappearances
FSR — Financial Strength Rating
NUA — Net Unrealized Appreciation
EECB — Executive E-mail Carpet Bomb
AA — Average Audience
PD — Procurement Division
LRO — Labor Relations Officer
OAR — Overall Rate Of Return
WDC — Workforce Development Center
WIDER — United Nations University World Institute for Development Economics Research
SNT — Supplemental Needs Trust
UNL — Universal Networking Language
FMOC — Federal Open Market Committee
IPMA — International Personnel Management Association
PERAB — President's Economic Recovery Advisory Board
GIPS — Global Investment Policy Standards
LT — Lost Time

CRSR — Congressional Research Service Report
MDA — Market development funds
TAA — Trade Adjustment Act
CCOP — Coordinating Committee for Coastal and Offshore Geoscience Programmes in East and South East Asia
SMB — Small- to medium-sized business
CLO — Collaterialized loan obligation
NSBA — National Small Business Association
AETF — African Emergency Task Force
UNIPTF — United Nations International Police Task Force
AGFFA — Advisory Group on Financial Flows to Africa
OP — Order Point
UNFSTD — United Nations Fund for Science and Technology for Development
FABS — Financial and Business Solutions
LLIC — Limited liability investment company
USENET — USEr NETwork
ALBRS — Automated Lending and Borrowing in Rolling Settlement
IIST — United Nations University International Institute for Software Technology
KFC — Kentucy Fried Chicken
CALS — Continuous Acquisition Lifecycle Support
FUNSA — Federation of Staff Association of the United Nations and its Specialized Agencies
BPO — Budget process outsourcing
CO — Contracting Officer
ODCCP — United Nations Office for Drug Control and Crime Prevention
DSPE — Deputy Senior Procurement Executive Known
ECS — Enterprise Class Storage
DPGA — Deferred Payment Gift Annuity
CDR — Centre for Documentation and Research
SMES — Small- and medium-scale enterprises
SST — Streamline Sales and Use Tax Agreement
CCSQ — Consultative Committee on Substantive Questions
CTFA — Certified trust & financial advisor
ORD — Office Of Research And Development (USEPA)
EAP — Employee Assistance Plan
NFTC — National Foreign Trade Council, Inc.
ASHHRA — American Society for Healthcare Human Resources Administration
WARN — Worker Adjustment and Retraining Notification Act W&M
SSBIC — Specialized Small Business Investment Company
SHD — Sustainable Human Development
CBFA — Committee on Budget, Finance and Administration
UNFIP — United Nations Fund for International Partnerships
TPS — Transaction processing services
BCBS — Blue Cross/Blue Shield
SBBA — Sales and Buy-Back Agreement
CHRC — Criminal History Records Check
UNCJIN — United Nations Crime and Justice Information Network
CFPB — Consumer Finance Protection Bureau
CDP — Committee for Development Policy
SR — Systems Redesign
CTJ — Citizens for Tax Justice/Institute on Taxation and Economic Policy
NIPA — National income and product accounts

HAFA — Home Affordable Foreclosure Alternative program
GAW — Guaranteed Annual Wage
CHRC — Canadian Human Rights Commission
CCAQ(FB) — Consultative Committee on Administrative Questions (Financial and Budgetary Questions)
PBGC — Pension Benefit Guarantee Corporation
FEI — Financial Executives Institute
SLSMN — Salesman
BREP — Business Requirements Engineering Process
INRA — United Nations University Institute for Natural Resources in Africa
CCSQ(PROG) — Consultative Committee on Substantive Questions (Programme Matters)
QREC — Quality Review Executive Committee
PUT — Persons Using Television
LTD — Long Term Insurance
WST — Waste Spare Time
WPP — Wire and Plastic Products
FELA — Federal Employment Liability Act
ICSAB — International Civil Service Advisory Board
PFK — Pay-for-knowledge-and-skills plans
DBM — Disruptive Behavior Management
NACM — National Association of Credit Management
ISMUN — International Student Movement for the United Nations
UNDC — United Nations Disarmament Commission
FEP — Fair Employment Practices
SSD — Specialist Services Division
NAWW — National Average Weekly Wages
NCCUSL — National Conference of Commissioners on Uniform State Laws
FEP — Fair employment practice
UNOMIL — United Nations Observer Mission In Liberia
CC — Copy To
HR — Headquarters Regulation
MAG — Mine Advisory Group
SS — Safety Stock
ULPA — Uniform Limited Partnership Act
PTSD — Post Traumatic Stress Syndrome
L/V — Loan-to-value ratio
XML — Extended Markup Language
PBC — Programme and Budget Committee
OEL — Offshore Employee Leasing
SDCF — Sellers Discretionary Cash Flow
T/B — Trial balance
NQPS — Nonqualified preferred stock
HCSA — Health Care Spending Account
UNOGBIS — United Nations Peace-Building Support Office in Guinea-Bissau
AMCD — Audit and Management Consulting Division
USTC — United States Tax Court
CO — Compliance Officer
GAS — Governmental Accounting Standards
TEA — Transportation Efficiency Act
SCP — Sustainable Cities Programme
IASA — Internation Air Shipper's Association

RJP — Realistic Job Preview
SDVOB — Service-disabled veteran owned business
NBIA — National Business Incumbation Association
DI — Derivative instrument
TVI — Trade Value Index
IACWGE — Inter-Agency Committee on Women and Gender Equity
MACC — Mine Action Coordination Centre
HUT — Households Using Television
UNYOM — United Nations Yemen Observation Mission
UNIDIR — United Nations Institute for Disarmament Research
FMSHA — Federal Mine and Safety Health Act
COAS — Clinical Observation Access Control
CPTAL — Capital
IPDC — International Programme for the Development of Communications
JAN — Job Accommodation Network's
ECS — Event Capture System
ESAF — Enhanced Structural Adjustment Facility
NBB — New Belgium Brewery
DST — Delaware stautory trust
TDB — Trade and Development Board
NFIB — National Federation of Independent Business
DBIC — Data Base Integration Committee
EAO — Executive and Administrative Office
SIA — Securities Industry Act of 1983
LTC — Long-Term Care
VRM — Variable Rate Mortgage
CCSQ(OPS) — Consultative Committee on Substantive Questions (Operational Activities)
CSCIS — Computer Software Configuration Items
CSPN — College Savings Plan Network
IRMAA — Income Related Medicare Adjustment Amount
SBI — Site Build It
PERC — Premiums, earnings and reasonable charges
SLE — Single lease expense
IHRIM — International Association of Human Resource Information Management
SP — Strategic Plan
ISBA — International Seabed Area
ACLI — American Council of Life Insurance
UNIPOM — United Nations India-Pakistan Observation Mission
NST — National Sales Tax
MSPR — Medicare Secondary Payer Rules
TRIPS — Trade-Related Aspects of Intellectuel Property Rights
FALD — United Nations Field Administration and Logistics Division
UNPF-HQ — United Nations Peace-Force Headquarters
BPA — Blanket purchase authoriation
CFRS — Carry Forward in Rolling Settlement
MAT — Minimum Alternative Tax
UNMIH — United Nations Mission In Haiti
VBA — Veterans Benefit Administration
ULP — Unfair Labour Practices
HTTP — Hyper Text Transport Protocol

CSP — Cyber Security Professional
IMC — Integrated Market Communications
UNOMSIL — United Nations Observer Mission in Sierra Leone
GWAC — Government Wide Acquisition Contract
EBRI — Employee Benefits Research Institute
OCBOA — Other Comprehensive Basis of Accounting
CSO — Cyber Security Office
CPCU — Chartered property and casualty underwriter
WHYCOS — World Hydrological Cycle Observing System
EBSA — Employee Benefit Security Administration's
FOK — Fill-or-kill order
UNSF — United Nations Security Force in West New Guinea
LTFP — Long-Term Financial Plans
SPD — Division for Special Programmes Development
FYE — Fiscal year ended
ODCF — Owner's Discretionary Cash Flow
NOLD — Net Operating Loss Deduction
IFEBP — International Foundation of Employee Benefit Plans
AGFUND — Arab Gulf Programme for United Nations Development Organizations
EBO — Equity buy out
CBRS — Currency banking and retrieval system
SBO — Small Business Ombudsman
BAB — Build America Bonds
PPA — Pension Protection Act of 1987
UR — Unemployment Rate
CBHCO — Community-Based Health Care Organization
SPHR — Senior Professional Human Resources
BDC — Business Development Council
PRA — Paperwork Reduction Act of 1980
CONGO — Conference on Non-Governmental Organizations
IMFL — Indian-Made Foreign Liquor
WRAEA — Workforce Reinvestment and Adult Education Act
NBER — National Bureau of Economic Research
TCPC — Technical Committee for Programme and Coordination
CARDS — Custom Adjustable Rate Debt Structure
QR — Quarterly Report
SECA — Self-Employment Contributions Act
GCT — General Corporation Tax
UB — Unsafe Buildings
CPI-U — Consumer Price Index for All Urban Consumers
NTU — National Taxpayer's Union
CCPISA — Convention on the Privileges and Immunities of the Specialized Agencies
UN-NADAF — United Nations New Agenda for the Development of Africa in the 1990s
FIRPTA — Foreign Investment in Real Property Tax Act
BKPR — Bookeeper
TOM — Traded Options Market
CFTA — Currency and Foreign Transaction Act
QTD — Qualified Total Distribution
MINX — Multimedia Information Network Exchange (system)
TPA — Technical Practice Aide

NAEA — National Association of Enrolled Agents
SAC — Strategic Acquisition Center
WCC — Working capital cycle
SPDC — Special Political and Decolonization Committee
LTI — Lead Time Interval
DBIA — Database Integration Agreement
EBX — Electronics Boutique X
FSB — Fortune Small Business
PDM — Program Decision Maker
SITW — State income tax withholding
SSARS — Statement on Standards for Accounting and Review Services
UNITES — United Nations Information Technology Corps of Volunteers
NEO — New and Emerging Occupations
CFIA — Competency Framework for Internal Auditing
UNTEA — United Nations Temporary Executive Authority
CEOSH — Center for Engineering & Occupational Safety and Health
AWL — Actual Wage Loss
MQT — Medicaid Qualifying Trust
HPS — Headquarters Procurement Section
HCIP — Harmonized Index of Consumer Pricing
STIP — Short-Term Industry Projections
FCIC — Financial Crisis Inquiry Commission
MTNL — Mahanagar Telephone Nigam Limited
PPIP — Public-Private Investment Program
SDC — System Development Center
SGML — Standard Generalised Markup Language
RO&IC — Regional Office and Insurance Center
OIS — Occupations Information System
AIR — Assumed Investment Rate
HRC — Historic Rehabilitation Credit
UNMACC — United Nations Mine Action Coordination Centre
EMA — Expense Management Automation
NASDR — National Association of Securities Dealers Regulation
IAG — International Advisory Group
CPS — Core Products and Services
UNSD — United Nations Statistic Division
POB — Public Oversights Board
IIOP — Internet Inter operable ORB Protocol
UNRCPDA — United Nations Regional Centre for Peace and Disarmament in Africa
EOLI — Employer owned life insurance
SWA — State Workforce Agencies
CPK — Cost Per Keyword
PJ — Purchases journal
UNMOGIP — United Nations Military Observer Group In India & Pakistan
COAG — Committee on Agriculture
CWHSSA — Contract Work Hours and Safety Standards Act
HRLY — Hourly
OHRM — Office of Human Resources Management
DITE — Division on Investment, Technology and Enterprise Development
KMI — Key Man Insurance

LTCG — Long-term capital gain
UNEP-IE — United Nations Environment Programme Industry and Environment Centre
SEDR — Systems Engineering and Design Review
ING — Internationale Nederlanden Group (a Financial Company)
SOBO — Small Office Business Office
NABE — National Association for Business Economics
R/E — Retained earnings
SBIR — Small Business Innovation and Research
UNIS — United Nations Information Service
SUB — Supplemental Unemployment Benefit
COFI — Committee on Fisheries
NAVA — National Association for Variable Annuities
GAO — General Accountability Office
B&P — Budgeting & planning
CFP — Clinical Financial Planner
DRM — Division for Resources Mobilization
IM/DQ — Identity Management/Data Quality
DSD — Division for Sustainable Development
UNMOP — United Nations Mission of Observers in Prevlaka
OSBDU — Office of Small and Disadvantaged Business Utilization
RRM — Renegotiated-Rate Mortgage
BLBA — Black Lunch Benefits Act
STW — School-To-Work
DWC — Division of Workers Compensation
IDB — Industrial Development Bond
AFSCME — American Federation of State, County and Municipal Employers
UNMO — United Nations Military Observers
UNOB — United Nations Office in Burundi
AFROWHO — Regional Office for Africa
UNFALD — United Nations Field Administration and Logistics Division
FASAC — Financial Accounting Standards Advisory Committee
GEO — Global Environment Outlook Report
USCIS — U.S. Citizenship and Immigration Service
NMHPA — Newborns’ and Mothers’ Health Protection Act
PL — Profit and Loss
RIPA — Retirement Income Policy Act
WCDMP — World Climate Data and Monitoring Programme
UNTAC — United Nations Transitional Authority in Cambodia
CEFU — Continuing Education Field Unit
UNPOB — United Nations Political Office in Bougainville
PPA — Paperwork Reduction Act
SBRB — Small Business Research Board
UNCA — United Nations Correspondents Association
ODPR — Office for Displaced Persons and Refugees
UNIS — United Nations International School
OTI — OSHA Training Institute
B2C — Business to Comerce
MFST — Manifest
TUR — Total Unemployment Rates
QIE — Domestically controlled qualified investment entity

JSSA — Jury Selection and Service Act
HRI — Human Rights Instruments
T&E — Travel & Entertainment
SJ — Sales Journal
POP — Point-of-purchase
KMI — Knowledge Management Initiative
XRA — Expected Retirement Age
OEBS — Office of Employee Benefits Security
GIWA — Global International Waters Assessment
IBD — Investors Business Daily
CCHR — Canadian Council on Human Resources
CSUM — Common Security User Manager
VAMC — Va medical center
VLI — Variable Life Insurance
IMRO — Investment Management Regulatory Organisation
OSDC — Over/Short/Damage/Claims
TOFC — Trailer On Flat Car
ICDAIT — International Conference on Drug Abuse and Illicit Trafficing
UDR — Unused development rights
TPRB — Trade Policy Review Body
BIRLS — Beneficiary Identification Records Locator Subsystem
IPECILO — International Programme for the Elimination of Child Labour
CRISIL — Credit Rating Investment Services India Limited
SFI — Six-Figure Income
WHCRA — Women’s Health and Cancer Rights Act of 1998
SIPA — Securities Investment Protection Act
BRB — Benefit Review Board
UNOSOM — United Nations Operation in Somalia
IEFR — International Emergency Food Reserve
SIU — Sets In Use
LAUS — Local Area Unemployment Statistics
STAT — Statistical Division
LLDIE — Limited life debt investment entity
IPC — Integrated Programme for Commodities
OER — Owner's equivalent rent
HRC — Health Resource Center
TWAIN — Toolkit Without an Interesting Name
HRIS — Human Resources Information Service
VBIA — Veterans Benefits Improvement Act of 2004
IOLTA — Interest on Lawyer's Trust Account
JRPU — Joint Reintegration Programming Unit
LTP — Long-Term Plan
PFA — Platform for Action
OHR — Office of Human Resources
ETR — United Nations Education and Training Programme
FAC-C — Federal Acquisition Certification in Contracting
CVE — Center for Verification and Evaluation
UNIKOM — United Nations Iraq-Kuwait Observation Mission
IQPA — Independent Qualified Public Accountant
SYD — Sum-of-the-years-digits

TIFF — Tagged Interface File Format
CDARS — Certificate of Account Registry Service
NHCE — Non-Highly Compensated Employee
NCAO — National Cemetery Area Office
BRSP — Bureau for Resources and Strategic Planning
USOA — Uniform system of accounts
RMA — Restricted management account
UNGCI — United Nations Guards Contingent in Iraq
B/A — Basic Agreement
USPTO — U.S. Patent and Trademark Office
UNMAS — United Nations Mine Action Service
UNON — United Nations Office at Nairobi
CRPC — Chartered Retirement Planning Counselor
XUL — eXtensible UserInterface Language
NAHB — NATIONAL ASSOCIATION OF HOMEBUILDERS
YSP — Yield-spread premium
UNPAAERD — United Nations Programme of Action for African Economic Recovery and Development
D/N — Demand note
GNC — General Nutrition Centers
IMF — International Monitary Fund
EPLI — Employee practices liability insurance
LLTC — Limited liability trust company
IMPACT — Inventory Management Program and Control Techinques
GWG — Gender Working Group
CWSP — College Work-Study Program
ZBA — Zero-Balance Account
UNPD — United Nations Procurement Division
INTECH — United Nations University Institute for New Technologies
BOY — Beginning of Year Violator
HOW — Homeowner Warranty Plan
SBLF — Small Business Lending Fund
DDB — Deemed death benefit
PIU — Public Inquiries Unit
BA — Business Architecture
LPA — Local Plans of Action
TOE — Time is of the essence
SEBI — Securities Exchange Board of India
NAALC — North American Agreement on Labor Cooperation
USPAP — Uniform Standards of Professional Appraisal Practice
ILM — Industrial Light and Magic, Inc.
HMO — Health Maintenance Organisation
NSDL — National Securities Depository Limited
TRD — Trade Relations Division
WPRO — Western Pacific Regional Office
VERONICA — Very Easy Rodent Oriented Netwide Index of Computer Archives
UNRFNRE — United Nations Revolving Fund for Natural Resources Exploration
WST — Waste Science and Technology
GPRS — General Packet Radio System
OIP — Office of the Iraq Programme
SFO — Solicitatio for offers

HEP — Humanitarian Evacuation Programme
SOYD — Sum-of-the-years-digits
SECL — Secretarial
ROLAC — Regional Office for Latin America and the Carribean
SBL — Small Business Liaisons
CSA — Common Services Architecture
TRD — Transfer of Development
PE — Printer Error
OHCA — Organized Health Care Arrangement
WIA — Workforce Investment Act
MSFW — Migrant and Seasonal Farm Worker
ODS — Office of Develoment Studies
JPAC — Joint Public Advisory Committee
PPBA — Office of Programme Planning, Budget and Accounts
CI — Control Item
UMTS — Universal Mobile Telephone System
NDNH — National Directory New Hires
MCFS — Modern Carry Forward System
PAHO — Pan American Health Office/Regional Office for the Americas of the WHO
OTR — Office of Thrift Supervision
UNMA — United Nations Mission in Angola
PKO — Peace-Keeping Operation
EMIF — Emerging Issues Task Force
STCG — Short-Term Capital Gain
DOBI — Department of Defense Instruction
PCNICC — Preparatory Commission for the International Criminal Court
CIFR — Committee on Improvements to Financial Reporting
SMF/LDC — Special Measures Fund for the Least Developed Countries
TAC — Technology Assessment Committee
JAIN — Joint American Indian Network
SE&I — Software Engineering & Integration
GPML — Global Programme Against Money Laundering
RA — Resident Alien
MSPA — Migrant and Seasonal Agriculture Worker Protection Act
IREA — Intermountain Rural Electric Association
USRPHC — U.S. real property hodling corporation
UNGIWG — United Nations Geographic Information Working Group
INWEH — United Nations University International Network on Water, Environment and Health
FUA — Federal Unemployment Account
SBLC — Small Business Legislative Council
NRET — Non-Resident Withholding Tax
VAAR — Department of Veterans Affairs Acquisition Regulation
EHLP — Emergency Homeowners Loan Program
UNSMA — United Nations Special Mission to Afghanistan
SEPHA — Special Emergency Programme for the Horn of Africa
VCL — Vacancy and collection losses
GLSO — Group Legal Services Organization
SPX — Standard and Poor’s Index
RDMHQ — Rapidly Deployable Mission Headquarters
NOIDA — New Okhla Industrial Development Authority

UNLTC — United Nations Military Liaison Team in Cambodia
GAGAS — Generally Accepted Government Accounting Standards
SOS — Switched On Schoolhouse
VWPX — Volume Weighted Price Uncrossing
NVC — National Veterans Conference
DUZ — Designated User
UNMOVIC — United Nations Monitoring, Verification and Inspection Commission
PATS — Planning, Architecture, Technology and Services
UNOL — United Nations Peace-Building Support Office in Liberia
PBSI — Performance Based Salary Increase
MGIC — Mortgage Guarantee Insurance Company
UNROAP — United Nations Regional Office for Asia and the Pacific
LBO — Limited Buyout
FROI — First Report of Injury
IBDOEI — Income before discontinued operations and extraordinary items
IUR — Insured Unemployment Rates
CUNA — Credit Union National Assocation
LR — Labor Relations
CSBU — Center for Small Business Utilization
HDRO — Human Development Report Office
BCUN — Business Council for the United Nations
UNARDOL — United Nations Assistance for the Reconstruction and Development of Lebanon
BSAD — Baseline System Architecture Document
ESOT — Employee Stock Ownership and Trust
MPPAA — Multiemployer Pension Plan Amendments Act
SOIR — Schaeffer Open Interest Ratio
WPOA — Wagner-Peyser Act
LOW — Lack of Work
POP — Premium-Only Plan
NCAER — National Council for Applied Economic Research
VEEP — Village Employment and Environment Programme
IPO — Incorporated to Provide
MVI — Mini Vacations Incorporated
SROI — Subsequent Report of Injury
POC — Pacific Operations Centre
ICDB — International Childrens' Day of Broadcasting
UNISTE — United Nations International Symposium on Trade Efficiency
ICFY — International Conference on the Former Yugoslavia
PPBD — Programme Planning and Budget Division
UNPF — United Nations Peace-Force
DSRSG — Deputy Special Representative of the Secretary-General
VPT — Volume Price Trend
VRP — Variable Rate Premium
RPO — Recruitment process outsourcing
DGAACS — Department of General Assembly Affairs and Conference Services
BLESS — Borrowing and Lending Securities Schemes
COBRA — Common Object Request Broker Architecture
OALC — Office of Acquisition, Logistics, and Construction
USITC — U.S. International Trade Commission
UFW — United Farm Workers

CT — Commercial Technology
EPRS — Emergency Preparedness and Response Section
TEUC — Temporary Extended Unemployment Compensation
ERCI — Employee Relocation Council Institute
SUTCDC — Special Unit for Technical Cooperation Among Developing Countries
PSR — Presentence report
JEEP — Joint Ethics Enforcement Plan
NYMEX — New York Metal Exchange
WOSB — Woman-Owned Small Business
PCPB — Post-Conflict Peace-Building
UNTMIH — United Nations Transitional Mission in Haiti
NAPAT — National Association for Private Annuity Trusts
COFO — Committee on Forestry
TSB — Targeted Small Business
SOPAC — South Pacific group of countries
RCNYO — United Nations Regional Commissions New York Office
UNSSOD — United Nations General Assembly's Special Session on Disarmament
UNOMA — United Nations Observer Mission in Angola
ULC — Uniform Law Commissioners
OCLA — Office of Congressional Legislative Affairs
EPAU — Evaluation and Policy Analysis Unit
NRV — Net recoverable value
VC — Veterans Center
IAPSO — Inter-Agency Procurement Services Office
NUSS — Nuclear Safety Standards
CORTS — Corporate-backed trust securities
UNASOG — United Nations Aouzou Strip Observer Group
CIMO — Commission for Methods of Observation
FOIA — Freedome of Information Act
TAC — Technology Acquisition Center
DM — Department of Management
UNREO — United Nations Rwanda Emergency Office
NSTA — National Securities Trade Association
OASG — Office of the Assistant Secretary-General
USERRA — Uniform Services Employment and Reemployment Rights Act
UNLB — United Nations Logistic Base
MRAM — Magnetic Random Access Memory
WPPDA — Welfare and Pension Plan Disclosure Act
SEPPAA — Single Employer Pension Plan Amendments Act
OAO — Office of Acquisition Operations
UNPA — United Nations Postal Administration
ITARP — IT Activity Resource Proposal
NVSBC — National Veterans Small Business Conference
POD — Professional & Organizational Development
XFRML — XML based Financial Reporting Markup Language
SLOB — Separate lines of business
CORBAIIOP — CORBA Internet Inter ORB Protocol
SARD — Sustainable Agriculture and Rural Development
NGLS — United Nations Non-Governmental Liaison Service
UNTAES — United Nations Transitional Administration for Eastern Slavonia, Baranja and Western Sirmium

UNAT — United Nations Administrative Tribunal
URLA — Uniform Residential Loan Application
VACO — VA Central Office
VOC-ED — Vocational Education
QANTAS — Queensland and Northern Territory Ariel Service
EPPG — Emergency Prevention and Preparedness Group
DC — Developed Countries
WRKR — Worker
EMROWHO — Regional Office for the Eastern Mediterranean
SERP — Systemwide Electronic Research Program
CIM — Corporate Information Model
PIRG — Public Interest Research Group
VBOP — Veterans Business Outreach Centers
USRPI — U.S. real property interest
UNRRA — United Nations Relief and Rehabilitation Agency
SEAROWHO — Regional Office for South-East Asia Region
EFAST — ERISA Filing Acceptance System
WWC — World Water Conferences
UNTAG — United Nations Transition Assistance Group
UNPOS — United Nations Political Office for Somalia
UNICPO — United Nations Open-ended Informal Consultative Process on Ocean Affairs
UNSC — United Nations Staff College
QPAM — Qualified Professional Asset Manager
UNGEGN — United Nations Group of Experts on Geographical Names
UNROD — United Nations Relief Operation in Dacca
SEES — Survey Evaluation Exam System
VETS — Veteran's Employment & Training Service
HEA — Health Enterprise Architecture
PEPPRA — Public Employee Pension Plan. Reporting and Accountability Act
UNAMA — United Nations Assistance Mission to Afghanistan
POS — Point-of-sale
ECLAC — Economic Commission for Latin America and the Carebbean
WOTC — Workforce Opportunity Tax Credit
UNTOP — United Nations Tajikistan Office for Peace-Building
POPIN — United Nations Population Information Network
OF — Office of Facilities
PPI — Division for Planning and Public Information
WFUNA — World Federation of UN Associations
VWPT — Value Weighted Price Trading
INMARSAT — Convention on the International Mobile Satellite Organization
STOLI — Stranger-originated life insurance
PIP — Peace Implementation Programme
JIU — Joint Inspection Union
UNPA — United Nations Protected Area
WDCD — Intergovernmental Committee for the World Decade for Cultural Development
UNCRO — United Nations Confidence Restoration Operation in Croatia
NVCA — National Venture Captial Association
UNTSO — United Nations Truce Supervision Organization
UNDOC — United Nations Documents Index
JUNIC — Joint UN Information Committee

UNHQ — United Nations Headquarters
VOC-REHAB — Vocational Rehabilitation
FSET — Federal State Employment Taxes
NPEP — National Poverty Eradication Plan
UNTPDC — United NationsTrade Point Development Centre
CIOFO — Chief Information Office Field Office
UNFICYP — United Nations Force in Cyprus
TOKTEN — Transfer of Knowledge through Expatriate Nationals
ITAAC — IT Acquisition Advisory Council
UNOV — United Nations Office at Vienna
BIMST-EC — Bangladesh India Myanmar Srilanka Thailand - Economic Council
KFOR — UN Kosovo Force
EUROWHO — Regional Office for Europe
SIGHTWHO — Summary Information on Global Health Trends
UNTACDA — United Nations Transport and Communications Decade in Africa
LLET — Limited Liability Entity Tax
NVSBE — National Veterans Small Business Engagement
UNCPCJP — United Nations Crime Prevention and Criminal Justice Programme
NTFO — Nationwide Tax Forums Online
BMVC — Baghdad Monitoring Verification Centre
QWI — Quarterly Workforce Indicators
UNJSPB — United Nations Joint Staff Pension Board
SRDC — Subregional Development Centre
UNGASS — Special Session of the General Assembly
UNSIA — United Nations System-wide Special Initiative on Africa
STD — Short-term Insurance
VIP — Veteran Information Pages

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