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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. An analytic or interpretive literary composition.
9. The seventh month of the Hindu calendar.
13. An American doctorate usually based on at least 3 years graduate study and a dissertation.
16. South American wood sorrel cultivated for its edible tubers.
17. An ordered reference standard.
18. Made of or resembling lace.
19. A plant hormone promoting elongation of stems and roots.
20. A local computer network for communication between computers.
21. A military trainee (as at a military academy).
22. Wild goat of mountain areas of Eurasia and North Africa having large recurved horns.
23. (astronomy) A measure of time defined by Earth's orbital motion.
24. A mechanical device that prevents a vessel from moving.
26. (Old Testament) The second patriarch.
28. Goddess of the dead and queen of the underworld.
30. A painful emotion resulting from an awareness of inadequacy or guilt.
32. A soft silver-white ductile metallic element (liquid at normal temperatures).
34. A light touch or stroke.
35. The administration of a strong electric current that passes through the brain to induce convulsions and coma.
38. A native or inhabitant of Afghanistan.
42. A foot traveler.
47. A warm dry wind that blows down the northern slopes of the Alps.
48. A European river.
49. Living quarters reserved for wives and concubines and female relatives in a Muslim household.
50. A medieval helmet with a visor and a neck guard.
51. Having nine hinged bands of bony plates.
53. Edible starchy tuberous root of taro plants.
54. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
56. Tree of low-lying coastal areas of southeastern United States having glossy leaves and racemes of fragrant white flowers.
58. Provide with clothes or put clothes on.
59. A midwestern state on the Great Plains.
62. Harsh or corrosive in tone.
64. (Akkadian) God of wisdom.
65. An esoteric or occult matter that is traditionally secret.
67. One of the evil spirits of traditional Jewish and Christian belief.
69. Liquor and water with sugar and lemon or lime juice.
71. An international organization of European countries formed after World War II to reduce trade barriers and increase cooperation among its members.
72. Any unwholesome or desperate condition.
73. A silvery ductile metallic element found primarily in bauxite.
77. A state in New England.
78. Larval salamander of mountain lakes of Mexico that usually lives without metamorphosing.
82. Mammary gland of bovids (cows and sheep and goats).
85. A Loloish language.
89. A castrated tomcat.
90. An ability to understand a broad range of topics.
92. A city in western Germany near the Dutch and Belgian borders.
94. 10 hao equal 1 dong.
95. Any plant of the genus Inula.
96. Lacking sufficient water or rainfall.
98. The products of human creativity.
99. Used of a single unit or thing.
100. Relating to or accompanying birth.
101. Informal terms for money.
102. The compass point that is one point east (clockwise) of due north.
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DOWN
1. Among the largest bony fish.
2. The act of scanning.
3. (law) The seat for judges in a courtroom.
4. Large snake mackerel with rings like spectacles around its eyes.
5. Scarabaeid beetle considered divine by ancient Egyptians.
6. Experiencing or showing sorrow or unhappiness.
7. Fermented alcoholic beverage similar to but heavier than beer.
8. Large hairy humanoid creature said to live in the Himalayas.
9. A name that has been assumed temporarily.
10. A region of Malaysia in northeastern Borneo.
11. A mass of ice and snow that permanently covers a large area of land (e.g., the polar regions or a mountain peak).
12. (Greek mythology) Greek goddess of the night.
13. (Middle East) Usually small round bread that can open into a pocket for filling.
14. A pilgrimage to Mecca.
15. A collection of facts from which conclusions may be drawn.
25. Old World woody vines.
27. An area where many people go for recreation.
29. A holy war by Muslims against unbelievers.
31. A Chadic language spoken south of Lake Chad.
33. Of or relating to the stars or constellations.
36. Large edible mackerel of temperate United States coastal Atlantic waters.
37. A drug (trade name Trental) used to treat claudication.
39. A localized swelling filled with blood.
40. Any of numerous carnivorous dinosaurs of the Triassic to Cretaceous with short forelimbs that walked or ran on strong hind legs.
41. The process of an individual organism growing organically.
43. Cubes of meat marinated and cooked on a skewer usually with vegetables.
44. The wife of a sheik.
45. A tricycle (usually propelled by pedalling).
46. Italian violin maker in Cremona.
52. (computer science) A kind of computer architecture that has a relatively small set of computer instructions that it can perform.
55. A state in midwestern United States.
57. Severe diabetes mellitus with an early onset.
60. Of or relating to the kidneys.
61. In bed.
63. Belonging to or prescribed for celiac disease.
66. (zoology) Lacking a tail or taillike appendage.
68. A river in north central Switzerland that runs northeast into the Rhine.
70. A colorless protein obtained by removing heme from hemoglobin.
74. A member of the people inhabiting the Aleutian Islands and western Alaska.
75. An insecticide that is also toxic to animals and humans.
76. A ductile gray metallic element of the lanthanide series.
79. A city of central China.
80. A slender double-reed instrument.
81. The form of RNA that attaches the correct amino acid to the protein chain that is being synthesized at the ribosome of the cell (according to directions coded in the mRNA).
83. East Indian tree bearing a profusion of intense vermilion velvet-textured blooms and yielding a yellow dye.
84. A barrier consisting of a horizontal bar and supports.
86. An inn in some Eastern countries with a large courtyard that provides accommodation for caravans.
87. A plant lacking a permanent woody stem.
88. (prefix) In front of or before in space.
91. A flat wing-shaped process or winglike part of an organism.
93. A sweetened beverage of diluted fruit juice.
97. An intensely radioactive metallic element that occurs in minute amounts in uranium ores.
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