| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Excessively fat.
9. A Chadic language spoken south of Lake Chad.
13. The bill in a restaurant.
16. South American wood sorrel cultivated for its edible tubers.
17. Someone who drives racing cars at high speeds.
18. (Old Testament) In Judeo-Christian mythology.
19. Title for a civil or military leader (especially in Turkey).
20. Tag the base runner to get him out.
21. The craniometric point at the junction of the anterior border of the lacrimal bone with the frontal bone.
23. Reserved in advance.
25. A member of the Siouan people formerly living in the Missouri river valley in NE Nebraska.
27. A tall upright megalith.
28. Avoid or try to avoid, as of duties, questions and issues.
29. Aromatic bulb used as seasoning.
32. A wooden peg that is used to fasten timbers in shipbuilding.
36. (of securities) Not quoted on a stock exchange.
38. Of or relating to the wrist.
42. Tear or be torn violently.
43. Being one more than two.
46. A Chadic language spoken south of Lake Chad.
47. A river in central Europe that arises in northwestern Czechoslovakia and flows northward through Germany to empty into the North Sea.
48. A fence or screen (as behind home plate in baseball).
51. Fast-growing herbaceous evergreen tree of South America having a broad trunk with high water content and dark green oval leaves.
52. The granite-like rocks that form the outermost layer of the earth's crust.
53. A pocket-size case for holding papers and paper money.
54. (in golf) The standard number of strokes set for each hole on a golf course, or for the entire course.
55. Committee formed by a special-interest group to raise money for their favorite political candidates.
57. Lower in esteem.
60. A member of the Circassian people living east of the Black Sea.
62. East Indian tart yellow berrylike fruit.
63. An oil port in southern Iraq.
64. Having a smooth, gleaming surface.
66. A bivalent and trivalent metallic element of the rare earth group.
67. A silvery ductile metallic element found primarily in bauxite.
68. A highly unstable radioactive element (the heaviest of the halogen series).
69. In a sedate manner.
74. (usually followed by `to') Having the necessary means or skill or know-how or authority to do something.
76. Widely distributed genus of annual or perennial and often climbing herbs.
78. A very young child (birth to 1 year) who has not yet begun to walk or talk.
81. Suffering from a partial loss of memory.
83. Type genus of the Alcidae comprising solely the razorbill.
86. A flat wing-shaped process or winglike part of an organism.
88. A sharp hand gesture (resembling a blow).
90. An angular shape characterized by sharp turns in alternating directions.
91. System of measurement based on centimeters and grams and seconds.
92. The fur of an otter.
94. Black tropical American cuckoo.
95. Headdress that protects the head from bad weather.
96. Smelling of beer.
97. In bed.
98. The corporate executive responsible for the operations of the firm.
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DOWN
1. (electronics) Designating sound transmission or recording or reproduction over a single channel.
2. A fraudulent business scheme.
3. A small cake leavened with yeast.
4. Order by virtue of superior authority.
5. The cry made by sheep.
6. Electronic warfare undertaken to insure effective friendly use of the electromagnetic spectrum in spite of the enemy's use of electronic warfare.
7. (used especially of vegetation) Having lost all moisture.
8. Any plant of the genus Eryngium.
9. A starch made by leaching and drying the root of the cassava plant.
10. A public promotion of some product or service.
11. Extremely pleasing.
12. Naked freshwater or marine or parasitic protozoa that form temporary pseudopods for feeding and locomotion.
13. The basic unit of money in Bangladesh.
14. Advanced in years.
15. A Chadic language spoken in northern Nigeria.
22. A midwestern state in north central United States in the Great Lakes region.
24. Do something to an excessive degree.
26. A prolific German composer noted for his oratorios (1685-1759).
30. German philosopher and mathematician who thought of the universe as consisting of independent monads and who devised a system of the calculus independent of Newton (1646-1716).
31. Erect leafless flower stalk growing directly from the ground as in a tulip.
33. Worthy of reliance or trust.
34. Unsupported by other people.
35. The dynasty that ruled much of Manchuria and northeastern China from 947 to 1125.
37. Of or relating to or characteristic of Tuscany or its people.
39. The vast grassy plains of northern Argentina.
40. Of or having to do with or belonging to an abbey or abbot, or abbess.
41. Worthy of the greatest honor or distinction.
44. Of or relating to a seizure or convulsion.
45. The capital and largest city of Dominica.
49. Cubes of meat marinated and cooked on a skewer usually with vegetables.
50. Adornment consisting of a bunch of cords fastened at one end.
56. The female or generative principle.
58. A loose sleeveless outer garment made from aba cloth.
59. When dried yields a hard substance used e.g. in golf balls.
61. An upward movement (especially a rhythmical rising and falling).
65. The weather in some location averaged over some long period of time.
66. (used especially of vegetation) Having lost all moisture.
70. A card game for 2 players.
71. Someone who gives a strong sudden pull.
72. (heraldry) An ordinary consisting of a broad horizontal band across a shield.
73. The face or front of a building.
75. French novelist.
77. The seventh month of the Moslem calendar.
79. Primitive chlorophyll-containing mainly aquatic eukaryotic organisms lacking true stems and roots and leaves.
80. Strong woody fibers obtained especially from the phloem of from various plants.
82. Suggestive of the supernatural.
84. A stick that people can lean on to help them walk.
85. A fee charged for exchanging currencies.
87. A former monetary unit in Great Britain.
89. Having undesirable or negative qualities.
93. An official prosecutor for a judicial district.
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