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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Native to eastern Asia.
9. Voluntary contributions to aid the poor.
13. The compass point that is one point west of due south.
16. Any of various primates with short tails or no tail at all.
17. Large west African tree having large palmately lobed leaves and axillary cymose panicles of small white flowers and one-winged seeds.
18. (Greek mythology) Goddess of the earth and mother of Cronus and the Titans in ancient mythology.
19. An implement used to propel or steer a boat.
20. Having leadership guidance.
21. An ambitious and aspiring young person.
23. A small bottle that contains a drug (especially a sealed sterile container for injection by needle).
25. Singing jazz.
27. A hard malleable ductile silvery metallic element that is resistant to corrosion.
28. A step in walking or running.
30. (Norse mythology) Ruler of the Aesir.
31. A meeting for boat races.
33. A unit of magnetic flux density equal to one weber per square meter.
35. Type genus of the Majidae.
38. The 1st letter of the Hebrew alphabet.
40. Course consisting of a large landscaped area for playing golf.
43. Harsh or corrosive in tone.
44. More or less flat-topped cluster of flowers in which the central or terminal flower opens first.
46. (Akkadian) God of wisdom.
47. A highly unstable radioactive element (the heaviest of the halogen series).
48. That is to say.
49. A genus of tuberous-rooted vines of the family Dioscoreaceae.
51. The blood group whose red cells carry both the A and B antigens.
53. The capital and largest city of Lithuania.
55. Any of several tall tropical palms native to southeastern Asia having egg-shaped nuts.
56. Connected with or belonging to or used in a navy.
59. An Indian unit of length having different values in different localities.
60. A person eating a meal (especially in a restaurant).
61. Type genus of the Aceraceae.
62. An official prosecutor for a judicial district.
63. A district in southwestern Manhattan noted for its shops and restaurants and galleries and artist's lofts.
64. Used of a single unit or thing.
65. 1/10 gram.
67. A former agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States.
69. A soft white precious univalent metallic element having the highest electrical and thermal conductivity of any metal.
71. A device for creating a current of air by movement of a surface or surfaces.
72. Harass with persistent criticism or carping.
74. Toward the mouth or oral region.
77. The branch of computer science that deal with writing computer programs that can solve problems creatively.
79. Lower in esteem.
81. Relating to or like or divided into areolae.
84. (Arthurian legend) The most virtuous knight of the Round Table.
86. The government (political and military) of the Soviet Union.
89. A wheeled vehicle adapted to the rails of railroad.
91. Any plant of the genus Amorpha having odd-pinnate leaves and purplish spicate flowers.
92. Flat blade-like projection on the arm of an anchor.
93. Extremely robust.
97. Moderate or restrain.
98. Common house and field crickets.
101. Eurasian perennial bulbous herbs.
102. Fertility goddess in ancient Greek mythology.
103. Malignant neoplasm of blood-forming tissues.
105. The sediment from fermentation of an alcoholic beverage.
106. Earn on some commercial or business transaction.
107. (legend) Chalice used by Christ at the last supper.
108. Type genus of the Alcidae comprising solely the razorbill.
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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. Legal document setting forth rules governing a particular kind of activity.
5. Large long-armed ape of Borneo and Sumatra having arboreal habits.
6. A narrow headband or strip of ribbon worn as a headband.
7. A large vase that usually has a pedestal or feet.
8. Largest city in Washington.
9. American novelist (1909-1955).
10. A white soft metallic element that tarnishes readily.
11. English economist noted for his studies of international trade and finance (born in 1907).
12. A guided missile fired from shipboard against an airborne target.
13. A republic in northeastern Africa on the Red Sea.
14. An island in Indonesia east of Java.
15. English architect who designed more than fifty London churches (1632-1723).
22. (Scotland) A slope or hillside.
24. Social relations involving authority or power.
26. Speak unfavorably about.
29. Essential oil or perfume obtained from flowers.
32. An alloy of copper and zinc (and sometimes arsenic) used to imitate gold in cheap jewelry and for gilding.
34. Speaking a Slavic language.
36. Mites and ticks.
37. Spanish lyric poet (1881-1958).
39. A deep prolonged sound (as of thunder or large bells).
41. The capital of the Democratic Republic of the Congo on the Congo river opposite Brazzaville.
42. Aged or processed.
45. A member of an extinct North American Indian people who lived in the Pit river valley in northern California.
50. A deep orange-red variety of chalcedony.
52. A river in north central Switzerland that runs northeast into the Rhine.
54. The dried fibrous part of the fruit of a plant of the genus Luffa.
57. Included seven times in every 19 years.
58. The cry made by sheep.
66. United States army officer and engineer who supervised the construction of the Panama Canal (1858-1928).
68. A white metallic element that burns with a brilliant light.
70. Offering fun and gaiety.
73. Of or relating to or characteristic of Zaire or its people.
74. Legal document setting forth rules governing a particular kind of activity.
75. A skin disease of adults (more often women) in which blood vessels of the face enlarge resulting in a flushed appearance.
76. A silvery ductile metallic element found primarily in bauxite.
78. An Eskimo hut.
80. Bushy plant of Old World salt marshes and sea beaches having prickly leaves.
81. A republic in northeastern Africa on the Red Sea.
82. Informal abbreviation of `representative'.
83. One of several parallel sloping beams that support a roof.
84. A unit of force equal to the force exerted by gravity.
85. Any organic compound formed by adding alcohol molecules to aldehyde molecules.
86. Before noon.
87. A member of the Siouan people formerly living in the Missouri river valley in NE Nebraska.
88. A citizen who has a legal right to vote.
90. Tropical American tree grown in southern United States having a whitish pink-tinged fruit.
94. The basic unit of money in Cambodia.
95. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
96. An independent agency of the United States government responsible for aviation and spaceflight.
99. A member of a nomadic people who invaded Europe in the 4th century.
100. A graphical recording of the cardiac cycle produced by an electrocardiograph.
104. A state in midwestern United States.
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