| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. West Indian tree having racemes of fragrant white flowers and yielding a durable timber and resinous juice.
10. A master's degree in business.
13. Any of various primates with short tails or no tail at all.
14. Avoiding waste.
15. A river in north central Switzerland that runs northeast into the Rhine.
16. Having leadership guidance.
17. Spicy fruit of the cubeb vine.
19. A fraudulent business scheme.
21. A light strong brittle gray toxic bivalent metallic element.
22. Wild ginger.
24. With rapid movements.
26. An associate degree in nursing.
27. German musician who developed a system for teaching music to children (1895-1982).
30. Unknown god.
31. Proceeding from or ordered by or subject to a pope or the papacy regarded as the successor of the Apostles.
35. A person of Polish descent.
38. A member of a seafaring group of North American Indians who lived on the Pacific coast of British Columbia and southwestern Alaska.
39. The 7th letter of the Greek alphabet.
40. A former agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States.
43. A rotating disk shaped to convert circular into linear motion.
44. Alternatively, a member of the family Nymphaeaceae.
46. An angular shape characterized by sharp turns in alternating directions.
48. An official prosecutor for a judicial district.
49. A pointed instrument used to prod into motion.
50. Mild yellow Dutch cheese made in balls.
51. Any of numerous local fertility and nature deities worshipped by ancient Semitic peoples.
57. Genus of erect herbs of the Middle East having showy flowers.
59. Lacking a bib.
62. Flower arrangement consisting of a circular band of foliage or flowers for ornamental purposes.
63. African tree having an exceedingly thick trunk and fruit that resembles a gourd and has an edible pulp called monkey bread.
66. A licensed medical practitioner.
67. A doctor's degree in education.
68. The superior of a group of nuns.
69. A doctor's degree in preventive medicine.
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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. A fluorocarbon with chlorine.
5. A popular island resort in the Netherlands Antilles.
6. A city in northwestern Germany and an important Baltic port.
7. How long something has existed.
8. A small cake leavened with yeast.
9. A silvery ductile metallic element found primarily in bauxite.
10. A flat-bottomed volcanic crater that was formed by an explosion.
11. Used as a Hindi courtesy title.
12. The biblical name for ancient Syria.
18. The capital and largest city of Yemen.
20. A Chadic language spoken south of Lake Chad.
23. A person who lacks good judgment.
25. The sense organ for hearing and equilibrium.
28. (Roman Catholic Church) The supreme ecclesiastical tribunal for cases appealed to the Holy See from diocesan courts.
29. Loose or flaccid body fat.
32. A form of entertainment that enacts a story by a sequence of images giving the illusion of continuous movement.
33. (Babylonian) God of storms and wind.
34. A Tibetan or Mongolian priest of Lamaism.
36. Fabric dyed with splotches of green and brown and black and tan.
37. Cubes of meat marinated and cooked on a skewer usually with vegetables.
41. Someone who is morally reprehensible.
42. (Old Testament) King of Judah who abolished idolatry (715-687 BC).
43. A silvery ductile metallic element found primarily in bauxite.
45. Look at with amorous intentions.
47. A Gaelic-speaking Celt in Ireland or Scotland or the Isle of Man.
52. On or toward the lee.
53. Harsh or corrosive in tone.
54. A French abbot.
55. A program under which employees regularly accumulate shares and may ultimately assume control of the company.
56. United States writer (born in Poland) who wrote in Yiddish (1880-1957).
58. A loose sleeveless outer garment made from aba cloth.
60. (computer science) A computer that is running software that allows users to leave messages and access information of general interest.
61. A doctor's degree in education.
64. The blood group whose red cells carry both the A and B antigens.
65. A Russian river.
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