1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. South African term for `boss'.
8. Decapod having eyes on short stalks and a broad flattened carapace with a small abdomen folded under the thorax and pincers.
12. An Arabic speaking person who lives in Arabia or North Africa.
16. Any of various primates with short tails or no tail at all.
17. A message received and understood that reduces the recipient's uncertainty.
18. (Greek mythology) The goddess of youth and spring.
19. A tax on employees and employers that is used to fund the Social Security system.
20. Having leadership guidance.
21. A microchip that uses tiny strands of DNA to latch onto and quickly recognize thousands of genes at a time.
23. (of a ship) So weakened as to sag at each end.
24. Singing jazz.
26. (physics and chemistry) The simplest structural unit of an element or compound.
28. Swift timid long-eared mammal larger than a rabbit having a divided upper lip and long hind legs.
29. Made warm or hot.
31. God of wealth and love.
33. (anatomy) Opposite to or away from the mouth.
36. A colloid in a more solid form than a sol.
38. Generator consisting of a coil (the armature) that rotates between the poles of an electromagnet (the field magnet) causing a current to flow in the armature.
42. Having a pair of equal and opposite charges.
46. Laborer who works in a mine.
47. Of or relating to near the ear.
49. A compartment in front of a motor vehicle where driver sits.
51. A condition (mostly in boys) characterized by behavioral and learning disorders.
52. Any of numerous small pigeons.
53. A former agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States.
54. Tropical evergreen trees or shrubs.
57. The compass point midway between northeast and east.
59. An American doctorate usually based on at least 3 years graduate study and a dissertation.
62. United States singer who appeared in several musical comedies (1909-1984).
64. Any of a class of organic compounds that contain the divalent radical -CONHCO-.
66. Any of various edible seeds of plants of the family Leguminosae.
67. The branch of engineering science that studies the uses of electricity and the equipment for power generation and distribution and the control of machines and communication.
73. One who helps or encourages or incites another.
75. Small terrestrial lizard of warm regions of the Old World.
77. English scholastic philosopher and assumed author of Occam's Razor (1285-1349).
79. Leaf or strip from a leaf of the talipot palm used in India for writing paper.
80. A succulent orange-sized tropical fruit with a thick rind.
82. The sound made by a cat (or any sound resembling this).
84. A Tibetan or Mongolian priest of Lamaism.
88. A room equipped with toilet facilities.
89. A landlocked desert republic in north-central Africa.
92. The capital of Western Samoa.
94. The month following February and preceding April.
95. A period marked by distinctive character or reckoned from a fixed point or event.
96. A member of a people in India living in Orissa and neighboring areas.
97. French physicist noted for research on magnetism (born in 1904).
98. A master's degree in fine arts.
99. Syndrome resulting from a serious acute (sometimes fatal) infection associated with the presence of staphylococcus.
100. Arm again.
101. Someone who works (or provides workers) during a strike.
102. Consisting of or made of wood of the oak tree.

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. Top part of an apron.
5. Of the appetites and passions of the body.
6. Traveling by foot.
7. A plain plinth that supports a wall.
8. Elegant and stylish.
9. A political system in which the supreme power lies in a body of citizens who can elect people to represent them.
10. The blood group whose red cells carry both the A and B antigens.
11. Cut the head of.
12. Of or relating to or characteristic of Afghanistan or its people.
13. Port city that is the capital and largest city of Latvia.
14. Type genus of the Aceraceae.
15. A Chadic language spoken in northern Nigeria.
22. Evasively worded in order to avoid an unqualified statement.
25. A region and ancient country in the east of the Balkan Peninsula north of the Aegean Sea.
27. A gonadotropic hormone that is secreted by the anterior pituitary.
30. The sense organ for hearing and equilibrium.
32. Athletic facility equipped for sports or physical training.
34. (of a heraldic cross) Having a cluster of three buttons or knobs at the end of each arm.
35. United States jazz musician who influenced the style of Louis Armstrong (1885-1938).
37. Military action involving the use of electromagnetic energy to determine or exploit or reduce or prevent hostile use of the electromagnetic spectrum.
39. A metrical unit with unstressed-unstressed-stressed syllables.
40. Reflect deeply on a subject.
41. A cleric who ordains.
43. The short weak cry of a young bird.
44. (used of count nouns) Every one considered individually.
45. In some classifications considered a genus of subfamily Melinae.
48. A soft silvery metallic element of the alkali earth group.
50. A sequence of 8 bits (enough to represent one character of alphanumeric data) processed as a single unit of information.
55. A chronic inflammatory collagen disease affecting connective tissue (skin or joints).
56. Of or relating to an orbit.
58. A white metallic element that burns with a brilliant light.
60. English theoretical physicist who applied relativity theory to quantum mechanics and predicted the existence of antimatter and the positron (1902-1984).
61. Either of two folds of skin that can be moved to cover or open the eye.
63. A member of the extinct Algonquian people formerly living in northern Indiana and southern Michigan.
65. A woman of refinement.
68. Type genus of the Psophiidae.
69. The elementary stages of any subject (usually plural).
70. (computer science) The smallest discrete component of an image or picture on a CRT screen (usually a colored dot).
71. Heavy closely woven fabric (used for clothing or chairs or sails or tents).
72. Any of numerous carnivorous birds that hunt and kill other animals.
74. Small genus of tropical African perennial bulbous herbs with deciduous twining stems.
76. Wheelwork consisting of a connected set of rotating gears by which force is transmitted or motion or torque is changed.
77. An official prosecutor for a judicial district.
78. How a result is obtained or an end is achieved.
81. A unit of area (4840 square yards) used in English-speaking countries.
83. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
85. Projectiles to be fired from a gun.
86. A Chadic language spoken south of Lake Chad.
87. Any of various strong liquors distilled from the fermented sap of toddy palms or from fermented molasses.
90. A port in southwestern Scotland.
91. A barrier constructed to contain the flow or water or to keep out the sea.
93. A white linen liturgical vestment with sleeves.
94. Black tropical American cuckoo.