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abbreviation for
(Commerce) free on rail
Collins English Dictionary – Complete and Unabridged, 12th Edition 2014 © HarperCollins Publishers 1991, 1994, 1998, 2000, 2003, 2006, 2007, 2009, 2011, 2014
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The household financial obligation ratio suggests that households that put off large purchases during the recession are in a better position to make those purchases now.
One measure we can examine to gauge if consumer credit growth is sustainable going forward is the household financial obligation ratio. The household financial obligation ratio measures the amount of debt service--including auto lease payments, rental payments on tenant-occupied property, homeowners' insurance, and property tax payments--relative to disposable income.
Since the recession began in 2007, the mortgage financial obligation ratio has declined 97 basis points, from 11.3 percent to 10.3 percent.

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