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NCUA: The abbreviation for National Credit Union Administration, which is the Federal government entity responsible for chartering and regulating credit unions. It plays a similar role for credit unions that the Comptroller of the Currency and the Federal Home Loan Bank have historically played for banks and savings and loan associations.

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FREE-RIDER PROBLEM

A problem underlying the provision of public goods that occurs when a person consumes or benefits from a good without making payment. The free-rider problem is the primary reason that public goods are produced by governments. Because public goods are characterized by the inability to exclude nonpayers, once a public good is produced anyone, everyone, can consume without making payment, that is, get a "free ride." Voluntary payments like those occurring in markets will not provide enough revenue to pay production costs. The only way to finance public goods is to force free-riders, and everyone else, to pay through government taxes. The free-rider problem also applies to common-property goods.

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BROWN PRAGMATOX
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Today, you are likely to spend a great deal of time at a flea market looking to buy either a genuine down-filled pillow or one of those "hang in there" kitty cat posters. Be on the lookout for strangers with large satchels of used undergarments.
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In the early 1900s around 300 automobile companies operated in the United States.
"Look at everything as though you were seeing it either for the first or last time. Then your time on earth will be filled with glory."

-- Betty Smith, Novelist

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