1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. The condition of having no arms.
12. A doctor's degree in dental surgery.
15. A flat wing-shaped process or winglike part of an organism.
16. Talking idly or incoherently.
17. Electrical conduction through a gas in an applied electric field.
18. A midnight meeting of witches to practice witchcraft and sorcery.
20. The immature free-living form of most invertebrates and amphibians and fish which at hatching from the egg is fundamentally unlike its parent and must metamorphose.
21. The cry made by sheep.
22. American novelist (1909-1955).
23. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
25. A person forced to flee from home or country.
29. Type genus of the Aphididae.
32. A member of the Siouan people inhabiting the valleys of the Platte and Missouri rivers in Nebraska.
33. Imperial moths.
37. The mother-in-law of Ruth whose story is told in the Book of Ruth in the Old Testament.
38. A silvery soft waxy metallic element of the alkali metal group.
40. Having a horizontal surface in which no part is higher or lower than another.
41. (astronomy) A measure of time defined by Earth's orbital motion.
44. A medieval steel helmet.
46. Form a mental image of something that is not present or that is not the case.
49. A state in northwestern North America.
51. Cast again, in a different role.
52. A high-crowned black cap (usually made of felt or sheepskin) worn by men in Turkey and Iran and the Caucasus.
53. A quantity of no importance.
55. Water frozen in the solid state.
56. (Hindu) A manner of sitting (as in the practice of Yoga).
60. A state in northwestern United States on the Pacific.
61. The United Nations agency concerned with atomic energy.
64. Small beads made from polished shells and formerly used as money by native Americans.
67. Perennial mountain rice native to Mediterranean region and introduced into North America.
69. A detested person.
73. (Irish) Ancient Irish god (probably a god of the sun).
74. Of or relating to the pleura or the walls of the thorax.
77. An Arabic speaking person who lives in Arabia or North Africa.
78. The compass point midway between east and southeast.
79. The fleshy pendulous part of the external human ear.
80. Someone who works (or provides workers) during a strike.
81. Being one more than nine.
82. A line drawn on a map connecting points of equal height.
83. A river in north central Switzerland that runs northeast into the Rhine.

1. An independent group of closely related Chadic languages spoken in the area between the Biu-Mandara and East Chadic languages.
2. The scum formed by oxidation at the surface of molten metals.
3. A very young child (birth to 1 year) who has not yet begun to walk or talk.
4. A loose sleeveless outer garment made from aba cloth.
5. Moderate or restrain.
6. A soft silvery metallic element of the alkali metal group.
7. A vowel whose quality or length is changed to indicate linguistic distinctions (such as sing sang sung song).
8. Loud and clear.
9. A person responsible for hiring workers.
10. March aggressively into another's territory by military force for the purposes of conquest and occupation.
11. Title for a civil or military leader (especially in Turkey).
12. A Chadic language spoken south of Lake Chad.
13. Lacking in liveliness or charm or surprise.
14. A narcotic that is considered a hard drug.
19. Make difficult to perceive by sight.
24. (thermodynamics) Conforming to the Carnot cycle.
26. A unit of pressure.
27. A cord fastened around the neck with an ornamental clasp and worn as a necktie.
28. A mistake resulting from inattention.
30. A genus of Ploceidae.
31. A building where travelers can pay for lodging and meals and other services.
34. An island of central Hawaii.
35. Romanian violinist and composer (1881-1955).
36. One who sets written material into type.
39. The blood group whose red cells carry both the A and B antigens.
42. A summary that repeats the substance of a longer discussion.
43. The capital and largest city of Yemen.
45. A constellation in the southern hemisphere near Telescopium and Norma.
47. Strike with disgust or revulsion.
48. A hard gray lustrous metallic element that is highly corrosion-resistant.
50. Any of several herbivorous leaping marsupials of Australia and New Guinea having large powerful hind legs and a long thick tail.
54. An official prosecutor for a judicial district.
57. Mark as different.
58. The money risked on a gamble.
59. The dialect of Malay used as the national language of the Republic of Indonesia or of Malaysia.
62. Occupy in an agreeable, entertaining or pleasant fashion.
63. German chemist who did research on high-speed chemical reactions (born in 1927).
65. 100 halers equal 1 koruna.
66. Type genus of the Percidae.
68. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
70. (Babylonian) God of wisdom and agriculture and patron of scribes and schools.
71. A flat-bottomed volcanic crater that was formed by an explosion.
72. A French abbot.
75. Of or relating to a member of the Buddhist people inhabiting the Mekong river in Laos and Thailand.
76. In or of the month preceding the present one.