A calf is a young cow. A young female cow, especially one that has not yet had a calf, is called a heifer: H-E-I-F-E-R.

VOA: special.2009.07.21

But I.M.F.chief Dominique Strauss-Kahn said Friday that Sri Lanka clearly needs help.

VOA: special.2009.05.16

As recently as January, the I.M.F.had predicted growth of one-half percent.

VOA: special.2009.03.13