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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Any of various finches of Europe or America having a massive and powerful bill.
12. Wild and domestic cattle.
15. Any of various primates with short tails or no tail at all.
16. Small pointed ridge on the exoskeleton of an arthropod.
17. A drug combination found in some over-the-counter headache remedies (Aspirin and Phenacetin and Caffeine).
18. Having leadership guidance.
19. The brightest star in Ursa Minor.
20. A logarithmic unit of sound intensity equal to 10 decibels.
21. Singing jazz.
23. A fleshy fruit (apple or pear or related fruits) having seed chambers and an outer fleshy part.
24. A sharp abrupt noise as if two objects hit together.
26. A spread made chiefly from vegetable oils and used as a substitute for butter.
28. Of a moderate orange-yellow color.
30. 100 stotinka equal 1 lev.
34. Belonging to or on behalf of a specified person (especially yourself).
37. God of love and erotic desire.
38. English essayist (1775-1834).
41. The younger brother of Edwy who became king of Northumbria when it renounced Edwy.
43. Norwegian mathematician (1802-1829).
45. A narrow gorge with a stream running through it.
46. Provide with clothes or put clothes on.
48. Country of southeastern Asia that extends southward along the isthmus of Kra to the Malay peninsula.
50. Legal document setting forth rules governing a particular kind of activity.
51. An implement used to erase something.
53. A member of the Iroquoian people formerly living between Lake Chaplain and the Saint Lawrence River.
56. An intensely radioactive metallic element that occurs in minute amounts in uranium ores.
57. Consisting of or made of wood of the oak tree.
58. Half the width of an em.
59. (South African) A camp defended by a circular formation of wagons.
63. Any of numerous local fertility and nature deities worshipped by ancient Semitic peoples.
65. Essential oil or perfume obtained from flowers.
68. A Chadic language spoken south of Lake Chad.
72. Resinlike substance secreted by certain lac insects.
76. Electrical conduction through a gas in an applied electric field.
77. A cut of pork ribs with much of the meat trimmed off.
79. The 7th letter of the Greek alphabet.
80. A beverage made by steeping tea leaves in water.
81. Low stingless nettle of Central and South America having velvety brownish-green toothed leaves and clusters of small green flowers.
82. An associate degree in applied science.
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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. Measure of the US economy adopted in 1991.
5. Open again or anew.
6. Someone who looks on.
7. (linguistics) The form of a word after all affixes are removed.
8. A dry cold north wind in SE France.
9. The administration of a strong electric current that passes through the brain to induce convulsions and coma.
10. A flat wing-shaped process or winglike part of an organism.
11. A square scarf that is folded into a triangle and worn over the head or about the neck.
12. An imaginary elephant that appears in a series of French books for children.
13. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
14. The clock time given by a clock carried on board a spacecraft.
22. Constituting the full quantity or extent.
25. United States tennis player (born in Czechoslovakia) who won several singles championships.
27. Being one more than fifty.
29. A white metallic element that burns with a brilliant light.
31. A city in central Tanzania.
32. The ending of a series or sequence.
33. By bad luck.
35. The occurrence of a change for the worse.
36. Existing or belonging to a time before a war.
39. The craniometric point that is the most prominent point at the back of the head (at the occipital protuberance).
40. A Kwa language spoken in Ghana and the Ivory Coast.
42. A Russian prison camp for political prisoners.
44. A kind of heavy jacket (`windcheater' is a British term).
47. Massive plantigrade carnivorous or omnivorous mammals with long shaggy coats and strong claws.
49. Designating a solution containing 1 mole of solute per 1000 grams of solvent.
52. The state of being covered with unclean things.
54. Tag the base runner to get him out.
55. (Irish) Chief god of the Tuatha De Danann.
60. The capital and largest city of Bangladesh.
61. A drug (trade names Calan and Isoptin) used as an oral or parenteral calcium blocker in cases of hypertension or congestive heart failure or angina or migraine.
62. An island (part of Campania) in the Bay of Naples in southern Italy.
64. A river in north central Switzerland that runs northeast into the Rhine.
66. A three-tone Chadic language.
67. Be teeming, be abuzz.
69. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
70. A wine bottle made of leather.
71. Type genus of the Anatidae.
73. Of southern Europe.
74. A health resort near a spring or at the seaside.
75. A loose sleeveless outer garment made from aba cloth.
78. Being nine more than ninety.
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