| ACROSS
1. Owed and payable immediately or on demand.
4. A bet that you can pick the first and second finishers in the right order.
10. A barrier constructed to contain the flow or water or to keep out the sea.
13. The sign language used in the United States.
14. A member of a Caddo people formerly living in north central Texas.
15. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
16. A Russian prison camp for political prisoners.
18. A local and well-defined elevation of the land.
19. The airforce of Great Britain.
20. Material used to daub walls.
23. Report or maintain.
26. An artistic form of nonverbal communication.
27. A state in midwestern United States.
30. A nucleic acid consisting of large molecules shaped like a double helix.
33. A magnetic tape recorder for recording (and playing back) TV programs.
35. An undergarment worn by women to support their breasts.
36. An elaborate representation of scenes from history etc.
40. An ugly evil-looking old woman.
42. The blood group whose red cells carry both the A and B antigens.
43. A soft silvery metallic element of the alkali earth group.
44. An organ in its earliest stage of development.
46. Weight to be borne or conveyed.
49. Fictitious land described in the novel Erewhon by Samuel Butler.
50. English scholastic philosopher and assumed author of Occam's Razor (1285-1349).
52. Lower in esteem.
55. (informal) Of the highest quality.
56. The capital and largest city of Ghana with a deep-water port.
60. English essayist (1775-1834).
61. A port in southern Lebanon on the Mediterranean Sea.
62. The world's largest desert (3,500,000 square miles) in North Africa.
64. Canadian hockey player (born 1948).
65. Someone who engages in arbitrage (who purchases securities in one market for immediate resale in another in the hope of profiting from the price differential).
66. A port city in southwestern Iran.
67. A colloid in a more solid form than a sol.
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DOWN
1. (Irish) Chief god of the Tuatha De Danann.
2. Occurring or encountered or experienced or observed frequently or in accordance with regular practice or procedure.
3. The twelfth month of the civil year.
4. A graphical recording of the cardiac cycle produced by an electrocardiograph.
5. Being one more than ten.
6. A dull persistent (usually moderately intense) pain.
7. The third month of the civil year.
8. The basic unit of money in Western Samoa.
9. Aromatic bulb used as seasoning.
10. English theoretical physicist who applied relativity theory to quantum mechanics and predicted the existence of antimatter and the positron (1902-1984).
11. An Arabic speaking person who lives in Arabia or North Africa.
12. A Chadic language spoken south of Lake Chad.
17. In bed.
21. The force of workers available.
22. The cry made by sheep.
24. Mentally or physically infirm with age.
25. Small voraciously carnivorous freshwater fishes of South America that attack and destroy living animals.
28. (informal) Exceptionally good.
29. A very young child (birth to 1 year) who has not yet begun to walk or talk.
31. A silvery soft waxy metallic element of the alkali metal group.
32. A soft white precious univalent metallic element having the highest electrical and thermal conductivity of any metal.
34. A wad of something chewable as tobacco.
37. Tropical starchy tuberous root.
38. The compass point that is one point east (clockwise) of due north.
39. Pacific newts.
41. The 3rd planet from the sun.
45. (electronics) Of a circuit or device having an output that is proportional to the input.
47. Come to pass.
48. Sour or bitter in taste.
51. An independent group of closely related Chadic languages spoken in the area between the Biu-Mandara and East Chadic languages.
53. A title of address formerly used for a man of rank and authority.
54. A British peer ranking below a Marquess and above a Viscount.
57. A compartment in front of a motor vehicle where driver sits.
58. A unit of absorbed ionizing radiation equal to 100 ergs per gram of irradiated material.
59. A constellation in the southern hemisphere near Telescopium and Norma.
63. An associate degree in nursing.
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