| ACROSS
1. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
4. A landlocked desert republic in north-central Africa.
9. Large burrowing rodent of South and Central America.
13. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
16. A fractional monetary unit of Japan and Indonesia and Cambodia.
17. Avoid or try to avoid, as of duties, questions and issues.
18. A feeling of strong eagerness (usually in favor of a person or cause).
19. A river in north central Switzerland that runs northeast into the Rhine.
20. The act of slowing down or falling behind.
21. Any of various spiny trees or shrubs of the genus Acacia.
23. Summer cypress.
25. An island consisting of a circular coral reef surrounding a lagoon.
28. A state in the Rocky Mountains.
29. Baby bed with high sides.
31. (of a young animal) Abandoned by its mother and raised by hand.
32. Physical discomfort (as mild sickness or depression).
34. Being ten more than one hundred ninety.
35. An informal term for a father.
37. The capital and largest city of Jordan.
42. Being or moving higher in position or greater in some value.
44. A United Nations agency created to assist developing nations by loans guaranteed by member governments.
47. A very poisonous metallic element that has three allotropic forms.
48. Greenwich Mean Time updated with leap seconds.
49. On the positive side or higher end of a scale.
51. A city and port in northern Jutland.
54. Savory jelly based on fish or meat stock used as a mold for meats or vegetables.
56. A fluid product of inflammation.
57. The large trunk artery that carries blood from the left ventricle of the heart to branch arteries.
58. East Indian annual erect herb.
59. A blue dye obtained from plants or made synthetically.
60. Rich in decorative detail.
63. Resinlike substance secreted by certain lac insects.
64. A drop of the clear salty saline solution secreted by the lacrimal glands.
65. Author of satirical attacks on medieval scholasticism (1494-1553).
67. Small space in a tissue or part such as the area between veins on a leaf or an insect's wing.
70. Extreme mental retardation.
72. Being one more than fifty.
73. A federal agency established to regulate the release of new foods and health-related products.
75. (British) A waterproof raincoat made of rubberized fabric.
79. (astronomy) The angular distance of a celestial point measured westward along the celestial equator from the zenith crossing.
81. A Russian river.
82. An amino acid that is found in the central nervous system.
85. A major European river carrying more traffic than any other river in the world.
86. A strategically located monarchy on the southern and eastern coasts of the Arabian Peninsula.
88. Pain in the gums.
90. (of complexion) Blemished by imperfections of the skin.
93. Cubes of meat marinated and cooked on a skewer usually with vegetables.
94. A small zodiacal constellation in the northern hemisphere.
96. Tree bearing large brown nuts containing e.g. caffeine.
97. Assist or encourage, usually in some wrongdoing.
99. A Tibetan or Mongolian priest of Lamaism.
102. A small lump or protuberance.
103. A quantity of no importance.
104. Having the slant of a bevel.
105. Very dark black.
106. A flat wing-shaped process or winglike part of an organism.
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DOWN
1. Muslims collectively and their civilization.
2. A long noosed rope used to catch animals.
3. A republic in southwestern Africa on the Atlantic Ocean.
4. A brittle silver-white metalloid element that is related to selenium and sulfur.
5. A sudden loss of consciousness resulting when the rupture or occlusion of a blood vessel leads to oxygen lack in the brain.
6. A large estate in Spanish-speaking countries.
7. (Babylonian) God of storms and wind.
8. The last (12th) month of the year.
9. Sweet juicy gritty-textured fruit available in many varieties.
10. A silvery ductile metallic element found primarily in bauxite.
11. An esoteric or occult matter that is traditionally secret.
12. (Irish) Mother of the ancient Irish gods.
13. An independent group of closely related Chadic languages spoken in the area between the Biu-Mandara and East Chadic languages.
14. Being the one previously mentioned or spoken of.
15. (Scotland) A slope or hillside.
22. A federal agency that supervises carriers that transport goods and people between states.
24. The act of scanning.
26. An oral antifungal drug (trade name Lamisil) used to treat cases of fungal nail disease.
27. One of the jointed appendages of an animal used for locomotion or grasping.
30. An agency of the United Nations affiliated with the World Bank.
33. A town in west central Florida on the Gulf of Mexico.
36. Make unable to perform a certain action.
38. Hoary alyssum.
39. Normal relaxed breathing.
40. In a stingy manner.
41. Pregnancy resulting from gestation elsewhere than in the uterus.
43. Involving two dimensions.
45. On a ship, train, plane or other vehicle.
46. On the left-hand side of a vessel or aircraft when facing forward.
50. An agency of the United Nations responsible for programs to aid education and the health of children and mothers in developing countries.
52. An island of central Hawaii.
53. A rare silvery (usually trivalent) metallic element.
55. The activity of persuading someone to buy.
61. A rare heavy polyvalent metallic element that resembles manganese chemically and is used in some alloys.
62. Make amends for.
66. The capital and largest city of Ghana with a deep-water port.
68. Dragonflies and damselflies.
69. A workplace for the conduct of scientific research.
71. An iconic mental representation.
74. A member of the Siouan people formerly inhabiting the Black Hills of western South Dakota.
75. An informal term for a father.
76. Relating to or characteristic of or occurring on the sea or ships.
77. A metallic tapping sound.
78. Type genus of the Annonaceae.
79. A resource.
80. Naked freshwater or marine or parasitic protozoa that form temporary pseudopods for feeding and locomotion.
83. American professional baseball player who hit more home runs than Babe Ruth (born in 1934).
84. A bachelor's degree in literature.
87. In bed.
89. A small island.
91. The twelfth month of the civil year.
92. A Chadic language spoken south of Lake Chad.
95. The United Nations agency concerned with international maritime activities.
98. Date used in reckoning dates before the supposed year Christ was born.
100. The blood group whose red cells carry both the A and B antigens.
101. An associate degree in nursing.
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