Word: costs
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Banks began charging interchange fees in the 1960s to cover the cost of processing credit-card transactions. "But even as technology has dropped that cost dramatically, banks and credit-card companies have pushed swipe fees higher and higher, turning it into a cash cow," the report notes. "For many businesses, swipe fees are now their single highest non-labor operating cost...
...merchants contend that if interchange fees are lowered, they would pass on the cost savings to consumers through lower prices for goods - at least that's the theory...
...light of the current economic climate, the university has done an admirable job of tying the goals of sustainability with cost-cutting imperatives. The heating decrease of two degrees implemented last year within residential suites not only represented an energy-conscious move but also helped the university significantly cut its budget deficit for this fiscal year...
Energy and cost-saving measures are at the heart of Harvard’s new Green Building Guidelines, which govern the construction of buildings costing over $5 million to insure they meet a set of sustainability benchmarks. Harvard now has 20 building projects certified by the U.S. Green Building Council’s Leadership in Energy and Environmental Design rating systems, the most of any institution of higher education in the world. Three have also gone on to earn the highest distinction of a special Platinum certification in recognition of their superior sustainability standards...
Educational institutions currently have two ways to offer federal loans to students. In the Federal Family Education Loan (FFEL, pronounced "fell") program, the government pays subsidies to banks and lenders to dole out money to borrowers and reimburses companies up to 97% of the cost of any loan that is not paid back. The second way is the direct-loan program, created in 1993 as an alternate option, in which the government cuts out the middle man, lends money directly and gets all the profits. If the Student Aid and Fiscal Responsibility Act (SAFRA) passes both houses of Congress...