1. 
   Effective margin (EM)
   Used with SAT performance measures, the amount equaling the net earned spread, or margin, of income on the assets in excess of financing costs for a given interest rate and prepayment rate scenario.
   Found op http://www.nytimes.com/library/financial/glossary/bfglose.htm
   
   
2. 
   Effective margin (EM)
   Used with SAT performance measures, the amount equal to the net earned spread, or margin of income, on assets in excess of financing costs for a given interest rate and prepayment rate scenario.
   Found op http://www.duke.edu/~charvey/Classes/wpg/bfglose.htm
   
   
3. 
   Effective Margin (EM)
   The amount equal to the margin of income on assets in excess of financing costs for a specified interest rate and prepayment rate situation. Discover What It`s Like to Live Easy With EquiTrend
   Found op http://www.equitrend.com/glossary1073.xhtml
   
   

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