| ACROSS
1. The federal agency that insures residential mortgages.
4. An adjective used as a noun.
10. A unit of time equal to 60 seconds or 1/60th of an hour.
13. A former agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States.
14. Having or denoting a high range.
15. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
16. The most common computer memory which can be used by programs to perform necessary tasks while the computer is on.
17. Small black-headed European gull.
19. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
21. A legal document codifying the result of deliberations of a committee or society or legislative body.
22. An indirect suggestion.
23. A rounded thickly curled hairdo.
27. A river in northern Italy that flows southeast into the Adriatic Sea.
30. A Chadic language spoken south of Lake Chad.
31. The emotion of hate.
33. A soft silvery metallic element.
34. Having undesirable or negative qualities.
37. A sweetened beverage of diluted fruit juice.
41. A soft silvery metallic element of the alkali earth group.
42. A city in western India just off the coast of the Arabian Sea.
44. A Tibetan or Mongolian priest of Lamaism.
45. The blood group whose red cells carry both the A and B antigens.
46. A flat wing-shaped process or winglike part of an organism.
47. Nocturnal mouselike mammal with forelimbs modified to form membranous wings and anatomical adaptations for echolocation by which they navigate.
49. Any of a group of heavenly spirits under the god Anu.
54. A belief (or system of beliefs) accepted as authoritative by some group or school.
57. A river in north central Switzerland that runs northeast into the Rhine.
58. A genus of Ploceidae.
61. A master's degree in business.
62. Of a moderate orange-yellow color.
63. Using speech rather than writing.
64. A decree that prohibits something.
65. Plaything consisting of a child's toy bear (usually plush and stuffed with soft materials).
66. A small cake leavened with yeast.
67. A doctor's degree in religion.
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DOWN
1. A card game in which players bet against the dealer on the cards he will draw from a dealing box.
2. A collection of objects laid on top of each other.
3. The highest level or degree attainable.
4. A nucleotide derived from adenosine that occurs in muscle tissue.
5. Depressing in character or appearance.
6. United States astronomer (1835-1909).
7. A notice of someone's death.
8. In or of the month preceding the present one.
9. A colorless odorless gaseous element that give a red glow in a vacuum tube.
10. (British) A minicar used as a taxicab.
11. A native or inhabitant of Iran.
12. Italian chemist noted for work on polymers (1903-1979).
18. Stairway in India leading down to a landing on the water.
20. An enclosure made or wire or metal bars in which birds or animals are kept.
24. A heavy ductile magnetic metallic element.
25. A promontory in northern Morocco opposite the Rock of Gibraltar.
26. Alternatively, a member of the family Nymphaeaceae.
28. Panel forming the lower part of an interior wall when it is finished differently from the rest.
29. A distinct part that can be specified separately in a group of things that could be enumerated on a list.
32. Common Indian weaverbird.
35. A loose sleeveless outer garment made from aba cloth.
36. A light touch or stroke.
38. Tall palm of southern India and Sri Lanka with gigantic leaves used as umbrellas and fans or cut into strips for writing paper.
39. Combined or mixed together so that the constituent parts are indistinguishable.
40. The cry made by sheep.
43. A flexible container with a single opening.
48. A crown-like jewelled headdress worn by women on formal occasions.
49. Black tropical American cuckoo.
50. An amino acid that is found in the central nervous system.
51. A theocratic republic in the Middle East in western Asia.
52. A condition (mostly in boys) characterized by behavioral and learning disorders.
53. (used with singular count nouns) Colloquial for `not a' or `not one' or `never a'.
55. Someone who works (or provides workers) during a strike.
56. The arch of bone beneath the eye that forms the prominence of the cheek.
59. (informal) Of the highest quality.
60. A numbered compartment in a post office where mail is put to be called for.
61. A compartment in front of a motor vehicle where driver sits.
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