Newbie questions about "terminal master's"

[caviar]

First of all, how can I tell if an MS program is "terminal" if the school's website doesn't explicitly say? Can anyone list which top schools have a terminal MS program?

Secondly, what type of people is a terminal master's most suitable for? Can I apply for those programs straight out of undergrad, or is it better to work a few years?

Lastly, my impression was that people going for a terminal master's are generally not as interested in research/academia. Does it mean these programs are easier to get in to than a regular MS or PhD program? What are the pros/cons of doing a terminal Master's (besides the fact that you don't go on to get a PhD)?

Thanks!