This term refers to written material or literature that is not a part of a main body of files, but is required as an information source.

People whose opinions, values, attitudes, preferences, behaviors and beliefs are used by a person as the basis for their judgment. One does not have to be a member of a reference group

This term refers to a letter, figure symbol used in indicating a cross-reference, or referring to a foot or endnote. The most common reference marks are asterisk, dagger, and double dagger.

This term refers to the strategy in which a product is sold at a price just below its main competing brand.

This term refers to the influence over others that is acquired from being respected and well-liked by them.

This term refers to the recommendation by a patients primary care doctor that they see an additional doctor, usually a specialist.

A referral provider is the health care provider, usually a specialist, that the patient has been referred to.

This is the period which is used to take advantage of lower interest rates, borrowers replace old debt with new debt.

This term refers to acquiring a new, larger loan that retires an older, smaller loan over a longer term, using the same assets as collateral.

This term refers to gold, osmium, iridium, palladium, rhodium, platinum, ruthenium, silver at least ‘999 Fine’ in forms such as bars, foils, leaves, powder, sheets, solutions, and wire. See also fineness.

A facility where a semi-finished substance such as oil or metal is refined and turned into a higher grader product through electrolysis or distillation.

This term refers to the converting or retooling a facility or plant to handle a different product and/or process. See also: back fitting

This term refers to the intentional acceleration of economic activity by a government, usually by using inflationary and public spending measures, to reverse deflationary trends.

A monetary policy aimed at boosting the level of the economy, usually through inflationary means such as reducing the taxation level or public spending.

Propensity of free and open markets to routinely return to a balanced state through price mechanisms, following attempts to maintain an unnaturally high or low price.

This term refers to the measure of bending a ray of light as it passes from one object or medium to another.

Materials that can tolerate extremely high temperatures without degrading or softening. Refractory materials include certain ceramics and super alloys, and are found in furnaces, jet and rocket engines, and the shuttle.

A short-term course that is aimed at the reinforcement and recall of previously acquired skills and knowledge.

A specially made chemical used in cooling mechanisms including refrigerators and air conditioners. This chemical acts as the heat carrier and changes from liquid to gas.

The process of keeping an item below room temperature by storing the item in a system or substance designed to cool or freeze. A refrigerator is the most commonly used storage item.