1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. A highly polished convex-cut but unfaceted gem.
12. A flat wing-shaped process or winglike part of an organism.
15. Any of various primates with short tails or no tail at all.
16. Rule against.
17. A conspicuous disparity or difference as between two figures.
18. Having leadership guidance.
19. Having a flat circular shape.
20. An amino acid that is found in the central nervous system.
21. Any of a number of fishes of the family Carangidae.
23. Lacking motor coordination.
25. (British) A waterproof raincoat made of rubberized fabric.
26. 4-wheeled motor vehicle.
28. An ester of carbamic acid.
30. (geology) A rise of land to a higher elevation (as in the process of mountain building).
33. A toxic nonmetallic element related to sulfur and tellurium.
34. (Akkadian) God of wisdom.
35. A sheltered and secluded place.
36. A unit of absorbed ionizing radiation equal to 100 ergs per gram of irradiated material.
38. The seventh month of the civil year.
42. A chock or bar wedged under a wheel or between the spokes to prevent a vehicle from rolling down an incline.
44. A white soft metallic element that tarnishes readily.
47. Thickening of tissue in the motor tracts of the lateral columns and anterior horns of the spinal cord.
48. A highly unstable radioactive element (the heaviest of the halogen series).
50. A small cake leavened with yeast.
52. Small ornamental ladies' bag for small articles.
53. A Muslim or Hindu mendicant monk who is regarded as a holy man.
55. Any culture medium that uses agar as the gelling agent.
56. A collection of facts from which conclusions may be drawn.
57. A trivalent metallic element of the rare earth group.
58. Marked by or showing unaffected simplicity and lack of guile or worldly experience.
60. The blood group whose red cells carry both the A and B antigens.
62. Having any of numerous bright or strong colors reminiscent of the color of blood or cherries or tomatoes or rubies.
64. A soft silver-white or yellowish metallic element of the alkali metal group.
65. A summary that repeats the substance of a longer discussion.
68. United States composer (born in Italy) of operas (born in 1911).
71. Title for a civil or military leader (especially in Turkey).
72. Highly excited.
76. American prizefighter who won the world heavyweight championship three times (born in 1942).
77. One or more large merchant ships.
79. Small genus of Eurasian aquatic perennial herbs.
80. The shape of a raised edge of a more or less circular object.
81. A wind instrument.
83. The median ridge on the breastbone of birds that fly.
84. A plant hormone promoting elongation of stems and roots.
85. A tricyclic antidepressant (trade names Imavate and Tofranil) used to treat clinical depression.
86. Type genus of the Alcidae comprising solely the razorbill.

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. Payment due by the recipient on delivery.
5. Someone who operates an aircraft.
6. The act of conferring an honor or presenting a gift.
7. Predatory black-and-white toothed whale with large dorsal fin.
8. Any of numerous low-growing plants of the genus Crocus having slender grasslike leaves and white or yellow or purple flowers.
9. Edible body of any of numerous oysters.
10. A song that was formerly popular.
11. A colorless odorless gaseous element that give a red glow in a vacuum tube.
12. Small terrestrial lizard of warm regions of the Old World.
13. Hungarian choreographer who developed Labanotation (1879-1958).
14. With rapid movements.
22. The capital and largest city of Bangladesh.
24. Comb-plate or locomotor organ consisting of a row of strong cilia whose bases are fused.
27. An ancient city of Sumer located on a former channel of the Euphrates River.
29. (often used in combination) Having hair as specified.
31. Soft light-colored nondurable wood of the poplar.
32. Large edible marine fish of northern coastal waters.
37. A Chadic language spoken south of Lake Chad.
39. A stringed instrument of India.
40. (medicine) Having or experiencing a rapid onset and short but severe course.
41. Submerged aquatic plant having narrow leaves and small flowers.
43. (Greek mythology) Goddess of the earth and mother of Cronus and the Titans in ancient mythology.
45. A loose sleeveless outer garment made from aba cloth.
46. A percussion instrument consisting of a pair of hollow pieces of wood or bone (usually held between the thumb and fingers) that are made to click together (as by Spanish dancers) in rhythm with the dance.
49. (medieval legends) The nephew of King Mark of Cornwall who fell in love with his uncle's bride (Iseult) after they mistakenly drank a love potion that left them eternally in love with each other.
51. Youthful appearance in an old person.
54. (prefix) Within.
59. Goddess of the heavens and married love.
61. A soft silvery metallic element of the alkali earth group.
63. (Jungian psychology) The inner self (not the external persona) that is in touch with the unconscious.
66. A republic in northeastern Africa known as the United Arab Republic until 1971.
67. A kind of heavy jacket (`windcheater' is a British term).
69. English essayist (1775-1834).
70. A sock with a separation for the big toe.
73. A Gaelic-speaking Celt in Ireland or Scotland or the Isle of Man.
74. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
75. Offering fun and gaiety.
78. An oral poliovirus vaccine (containing live but weakened poliovirus) that is given to provide immunity to poliomyelitis.
82. The branch of engineering science that studies the uses of electricity and the equipment for power generation and distribution and the control of machines and communication.