| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. (of complexion) Blemished by imperfections of the skin.
9. Obscene terms for penis.
13. An awkward stupid person.
16. Any of various primates with short tails or no tail at all.
17. English monk and scholar (672-735).
18. A Kwa language spoken in Ghana and the Ivory Coast.
19. 100 pyas equal 1 kyat.
20. Having leadership guidance.
21. Large swift fly the female of which sucks blood of various animals.
22. A small cake leavened with yeast.
23. The sense organ for hearing and equilibrium.
24. Any of a number of fishes of the family Carangidae.
26. A deposit of personal property as security for a debt.
28. Any member of Athapaskan tribes that migrated to the southwestern desert (from Arizona to Texas and south into Mexico).
30. A federal agency established to coordinate programs aimed at reducing pollution and protecting the environment.
32. American professional baseball player who hit more home runs than Babe Ruth (born in 1934).
34. Of or relating to Slavic languages.
38. Born out of wedlock.
43. Ash-colored or anemic looking from illness or emotion.
47. Something unusual -- perhaps worthy of collecting.
48. A radioactive element of the actinide series.
50. A constitutional monarchy in a tiny enclave on the French Riviera.
51. Affected manners intended to impress others.
53. Not accepting reservations.
54. Being ten more than one hundred ninety.
56. (of a musical instrument) Intermediate between alto and baritone or bass.
57. Forceful and extreme and rigorous.
59. British poet (born in the United States) who won the Nobel prize for literature (1888-1965).
62. (computer science) A coding system that incorporates extra parity bits in order to detect errors.
63. Belonging to or on behalf of a specified person (especially yourself).
64. A loose sleeveless outer garment made from aba cloth.
65. Carnivorous or bloodsucking aquatic or terrestrial worms typically having a sucker at each end.
67. Someone who works (or provides workers) during a strike.
69. Beyond what is natural.
71. A trap for birds or small mammals.
72. A radioactive transuranic element produced by bombarding plutonium with neutrons.
73. Perceive sound.
74. Relating to or affecting the infant during the first month after birth.
76. A small shelter for domestic animals (as sheep or pigeons).
78. The 7th letter of the Greek alphabet.
79. (used of count nouns) Every one considered individually.
81. Cubes of meat marinated and cooked on a skewer usually with vegetables.
84. An antianxiety agent (trade name Xanax) of the benzodiazepine class.
88. The friend of Phintias who pledged his life that Phintias would return (4th century BC).
91. (Babylonian) God of storms and wind.
94. A river that rises in western New Mexico and flows westward through southern Arizona to become a tributary of the Colorado River.
96. A constellation in the southern hemisphere near Telescopium and Norma.
97. Not reflecting light.
98. The scum formed by oxidation at the surface of molten metals.
99. A complex red organic pigment containing iron and other atoms to which oxygen binds.
100. Primitive predaceous North American fish covered with hard scales and having long jaws with needle-like teeth.
101. A woman hired to suckle a child of someone else.
102. Offering fun and gaiety.
103. Type genus of the Anatidae.
104. A doctor's degree in education.
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DOWN
1. A master's degree in library science.
2. A detailed description of design criteria for a piece of work.
3. English monk and scholar (672-735).
4. The elementary stages of any subject (usually plural).
5. A high-crowned black cap (usually made of felt or sheepskin) worn by men in Turkey and Iran and the Caucasus.
6. French physicist noted for research on magnetism (born in 1904).
7. At or constituting a border or edge.
8. (Irish) Chief god of the Tuatha De Danann.
9. A heavy wooden pole (such as the trunk of a young fir) tossed as a test of strength (in the Highlands of Scotland).
10. A Turkish unit of weight equal to about 2.75 pounds.
11. A small tent used as a dressing room beside the sea or a swimming pool.
12. Strike sharply.
13. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
14. An Indian nursemaid who looks after children.
15. An agenda of things to do.
25. An inclination or desire.
27. Type genus of the Gavidae.
29. Adjust or accustom to.
31. Inflammation of the female pelvic organs (especially the Fallopian tubes) caused by infection by any of several microorganisms (chiefly gonococci and chlamydia).
33. A Russian river.
35. Deep-rooted coarse-textured plant native to the Mediterranean region having blue flowers and pinnately compound leaves.
36. The eleventh month of the civil year.
37. Deciduous or evergreen shrubs and shrubby trees of temperate and subtropical North America, South Africa, eastern Asia and northeastern Australia.
39. A native or inhabitant of Scotland.
40. A genus of orb-weaving spiders including common garden spiders and barn spiders.
41. A glancing rebound.
42. The frame that supports a door.
44. Small toucan.
45. A body of troops arranged in a line.
46. Belonging to times long past especially of the historical period before the fall of the Western Roman Empire.
49. The apse of a Christian church that contains the bishop's throne.
52. The capital and largest city of Yemen.
55. Made from baking chocolate or cocoa powder and milk and sugar.
58. A hard gray lustrous metallic element that is highly corrosion-resistant.
60. A chronic inflammatory collagen disease affecting connective tissue (skin or joints).
61. A holder attached to the gunwale of a boat that holds the oar in place and acts as a fulcrum for rowing.
66. Joint capital (with Riyadh) of Saudi Arabia.
68. An ability to understand a broad range of topics.
69. The elementary stages of any subject (usually plural).
70. Having a common axis.
71. (Irish) Chief god of the Tuatha De Danann.
75. Slender bristlelike appendage found on the bracts of grasses.
77. The ohmic resistance of a conductor.
80. American Revolutionary patriot.
82. Mild yellow Dutch cheese made in balls.
83. A Chadic language spoken south of Lake Chad.
85. Primitive chlorophyll-containing mainly aquatic eukaryotic organisms lacking true stems and roots and leaves.
86. Title for a civil or military leader (especially in Turkey).
87. A city of central China.
88. (Irish) Mother of the ancient Irish gods.
89. Toward the mouth or oral region.
90. An aromatic ointment used in antiquity.
92. White crystalline compound used as a food additive to enhance flavor.
93. A flat wing-shaped process or winglike part of an organism.
95. A unit of length of thread or yarn.
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