| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Small terrestrial lizard of warm regions of the Old World.
9. A fine grained mineral having a soft soapy feel and consisting of hydrated magnesium silicate.
13. (British) Tavern consisting of a building with a bar and public rooms.
16. South American wood sorrel cultivated for its edible tubers.
17. Anchovy pear tree.
18. A state in the western United States.
19. An extension at the end and at right angles to the main building.
20. A sharp hand gesture (resembling a blow).
21. Someone who rows a boat.
23. An esoteric or occult matter that is traditionally secret.
25. The third compartment of the stomach of a ruminant.
27. Cubes of meat marinated and cooked on a skewer usually with vegetables.
28. The iridescent internal layer of a mollusk shell.
29. A set of tags and rules (conforming to SGML) for using them in developing hypertext documents.
30. A rare heavy polyvalent metallic element that resembles manganese chemically and is used in some alloys.
32. A peninsula in southwestern Europe.
35. 1 species.
40. The act of preventing the opposition from scoring (in sports).
41. Support resembling the rib of an animal.
44. Used of a single unit or thing.
45. A primeval personification of air and breath.
47. A ball of yarn or cord or thread.
48. A metal urn with a spigot at the base.
51. A loud bombastic declamation expressed with strong emotion.
52. A small railroad car propelled by hand or by a small motor.
54. An African river that flows northwest into Lake Chad.
55. The compass point that is one point east (clockwise) of due north.
56. The universal time coordinated when an event is received on Earth.
57. An island of central Hawaii.
59. Canadian writer noted for his analyses of the mass media (1911-1980).
62. The second largest of the Hawaiian Islands.
64. A period of the year marked by special events or activities in some field.
66. A town in central Belgium.
67. (Islam) The man who leads prayers in a mosque.
68. Primitive chlorophyll-containing mainly aquatic eukaryotic organisms lacking true stems and roots and leaves.
69. A public promotion of some product or service.
70. At or within a short distance in space or time or having elements near each other.
71. A high-crowned black cap (usually made of felt or sheepskin) worn by men in Turkey and Iran and the Caucasus.
75. Fragrant resin obtain from trees of the family Burseraceae and used as incense.
77. A town of Denmark in north central Jutland.
82. The longest river of Asia.
85. Of deserts of northern Africa and southern Asia.
87. Tropical starchy tuberous root.
89. Lean white flesh of fish similar to but smaller than cod.
91. Having winglike extensions.
93. A river in north central Switzerland that runs northeast into the Rhine.
94. A flat wing-shaped process or winglike part of an organism.
95. (anatomy) Of or relating to the ilium.
97. Make reference to.
98. A nucleic acid consisting of large molecules shaped like a double helix.
99. A doctor's degree in education.
100. In a dim indistinct manner.
101. German naturalist whose speculations that plants and animals are made up of tiny living `infusoria' led to the cell theory (1779-1851).
102. Annual grass of Europe and North Africa.
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DOWN
1. A magic power or magic spell.
2. A fraudulent business scheme.
3. A small cake leavened with yeast.
4. Agile long-legged rabbit-sized rodent of Central and South America and West Indies.
5. Studies of the formation of basic linguistic units.
6. Relating to or characteristic of or occurring in the air.
7. A covering to disguise or conceal the face.
8. The capital of Eritrea.
9. Tropical American flat-jointed prickly pear.
10. A highly unstable radioactive element (the heaviest of the halogen series).
11. Resinlike substance secreted by certain lac insects.
12. Malevolent aspect of Devi.
13. The state prevailing during the absence of war.
14. (Norse mythology) One of the Aesir known for his beauty and skill with bow and skis.
15. (Scottish) Bluish-black or gray-blue.
22. In bed.
24. A shop where a variety of goods are sold.
26. Marked by practical hardheaded intelligence.
31. North American republic containing 50 states - 48 conterminous states in North America plus Alaska in northwest North America and the Hawaiian Islands in the Pacific Ocean.
33. Elder brother of Krishna.
34. Expected to follow in the indefinite future from causes already operating.
36. Rock that in its molten form (as magma) issues from volcanos.
37. Take away the weapons from.
38. An industrial region in the Ukraine.
39. An informal alliance between countries.
42. Jewish republic in southwestern Asia at eastern end of Mediterranean.
43. A soft silvery metallic element of the alkali earth group.
46. The state of being a man.
49. Small shrubby African tree having compound leaves and racemes of small fragrant green flowers.
50. A midwestern state in north central United States in the Great Lakes region.
53. A region of northeastern France famous for its wines.
58. Small genus of Asian evergreen trees having columnar crowns and distinguished by leaves lacking a midrib.
60. A workman who laces shoes or footballs or books (during binding).
61. The amount that a container (as a wine bottle or tank) lacks of being full.
63. Be imminent or about to happen.
65. A silvery soft waxy metallic element of the alkali metal group.
72. Of or resembling algae.
73. Rounded like an egg.
74. Any fungus of the family Boletaceae.
76. United States neoclassical architect (1847-1909).
78. Small tropical American tree bearing edible plumlike fruit.
79. A dyed fabric.
80. A city in southern Turkey on the Seyhan River.
81. A unit of weight for precious stones = 200 mg.
83. Exhibiting or restored to vigorous good health.
84. (Babylonian) God of storms and wind.
86. Full of zest or vigor.
88. Panel forming the lower part of an interior wall when it is finished differently from the rest.
90. A user interface in which you type commands instead of choosing them from a menu or selecting an icon.
92. The habitation of wild animals.
96. A silvery ductile metallic element found primarily in bauxite.
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