| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Stout-bodied insect with large membranous wings.
10. 10 hao equal 1 dong.
13. Any of various primates with short tails or no tail at all.
14. Regarded with deep or rapturous love (especially as if for a god).
15. The sense organ for hearing and equilibrium.
16. Any federal law-enforcement officer.
17. A member of a legation.
18. Electrical conduction through a gas in an applied electric field.
19. An early French settler in the Maritimes.
21. Greek mythology.
23. A flat wing-shaped process or winglike part of an organism.
26. French impressionist painter (1840-1926).
30. (computer science) A kind of computer architecture that has a large number of instructions hard coded into the cpu chip.
35. An absence of emotion or enthusiasm.
36. Lighted up by or as by fire or flame.
37. Having leadership guidance.
40. Counting the number of white and red blood cells and the number of platelets in 1 cubic millimeter of blood.
41. A fraudulent business scheme.
43. Fiddler crabs.
45. Half the width of an em.
48. English theoretical physicist who applied relativity theory to quantum mechanics and predicted the existence of antimatter and the positron (1902-1984).
52. A physician who is not a specialist but treats all illnesses.
56. Title for a civil or military leader (especially in Turkey).
57. Naked freshwater or marine or parasitic protozoa that form temporary pseudopods for feeding and locomotion.
60. The elementary stages of any subject (usually plural).
61. A caustic detergent useful for removing grease.
62. South American plant cultivated for its large fragrant trumpet-shaped flowers.
63. Resinlike substance secreted by certain lac insects.
64. The quality of a color as determined by its dominant wavelength.
65. A severe or trying experience.
66. A loose sleeveless outer garment made from aba cloth.
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DOWN
1. A Chadic language spoken south of Lake Chad.
2. A detailed description of design criteria for a piece of work.
3. English monk and scholar (672-735).
4. City in southwestern Colombia in a rich agricultural area.
5. The content of cognition.
6. High quality grape brandy distilled in the Cognac district of France.
7. A constellation in the southern hemisphere near Telescopium and Norma.
8. A serve that strikes the net before falling into the receiver's court.
9. Chief port of Yemen.
10. A collection of objects laid on top of each other.
11. A river in north central Switzerland that runs northeast into the Rhine.
12. Predatory black-and-white toothed whale with large dorsal fin.
20. Having relatively few calories.
22. A state in northwestern North America.
24. Of a pale purple color.
25. A very poisonous metallic element that has three allotropic forms.
27. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
28. A quantity of no importance.
29. A doctor's degree in theology.
31. Someone who is morally reprehensible.
32. A tax on employees and employers that is used to fund the Social Security system.
33. 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).
34. The last (12th) month of the year.
38. Resembling fungi.
39. An ugly evil-looking old woman.
42. A master's degree in business.
44. A hospital unit staffed and equipped to provide intensive care.
46. Cubes of meat marinated and cooked on a skewer usually with vegetables.
47. An indehiscent fruit derived from a single ovary having one or many seeds within a fleshy wall or pericarp.
49. An Eskimo hut.
50. Tear down so as to make flat with the ground.
51. Fabric dyed with splotches of green and brown and black and tan.
53. A Chinese breed of small short-legged dogs with a long silky coat and broad flat muzzle.
54. Any of numerous local fertility and nature deities worshipped by ancient Semitic peoples.
55. The basic unit of money in Western Samoa.
58. The month following February and preceding April.
59. A long thin fluffy scarf of feathers or fur.
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