| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Plants closely allied to the genera Satureja and Calamintha.
10. A Turkish unit of weight equal to about 2.75 pounds.
13. Any of various primates with short tails or no tail at all.
14. A republic on the Isthmus of Panama.
15. Nut of any of several trees of the genus Corylus.
16. Having leadership guidance.
17. An obvious truth.
18. A user interface in which you type commands instead of choosing them from a menu or selecting an icon.
19. A fraudulent business scheme.
21. Any of various strong liquors distilled from the fermented sap of toddy palms or from fermented molasses.
23. (of complexion) Blemished by imperfections of the skin.
26. Capital and largest city of Iraq.
30. A member of the Semitic speaking people of northern Ethiopia.
35. (Hinduism and Buddhism) The effects of a person's actions that determine his destiny in his next incarnation.
36. A small pellet fired from an air rifle or BB gun.
37. Fermented alcoholic beverage similar to but heavier than beer.
38. 30 to 300 gigahertz.
39. Alternatively, a member of the family Nymphaeaceae.
44. United States liquid unit equal to 4 quarts or 3.785 liters.
45. The dialect of Malay used as the national language of the Republic of Indonesia or of Malaysia.
48. (Greek mythology) One of the three Graces.
52. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
53. Large brownish-green New Zealand parrot.
56. An Arabic speaking person who lives in Arabia or North Africa.
57. A sock with a separation for the big toe.
58. Cubes of meat marinated and cooked on a skewer usually with vegetables.
61. An acute inflammatory disease occurring in the intestines of premature infants.
62. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
63. Small terrestrial lizard of warm regions of the Old World.
64. An association of countries in the western hemisphere.
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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. (usually followed by `to') Naturally disposed toward.
5. South American palm yielding a wax similar to carnauba wax.
6. cause to accept or become hardened to.
7. Submerged aquatic plant having narrow leaves and small flowers.
8. A city in the Asian part of Russia.
9. A guided missile fired from shipboard against an airborne target.
10. English scholastic philosopher and assumed author of Occam's Razor (1285-1349).
11. A member of a formerly tribal people now living in south central India.
12. A promontory in northern Morocco opposite the Rock of Gibraltar.
20. A woman of refinement.
22. Capital city of the Apulia region on the Adriatic coast.
24. The capital and largest city of Venezuela.
25. A canvas or leather bag for carrying game (especially birds) killed by a hunter.
27. A woman hired to suckle a child of someone else.
28. A releasing factor that accelerates the secretion of growth hormone by the anterior pituitary body.
29. A public promotion of some product or service.
31. The elementary stages of any subject (usually plural).
32. The most common computer memory which can be used by programs to perform necessary tasks while the computer is on.
33. A white linen liturgical vestment with sleeves.
34. A unit of length of thread or yarn.
40. Title for a civil or military leader (especially in Turkey).
41. Leaf or strip from a leaf of the talipot palm used in India for writing paper.
42. A sheet or band of fibrous connective tissue separating or binding together muscles and organs etc.
43. A dialect of Chinese spoken in southeastern China.
46. South American armadillo with three bands of bony plates.
47. (Greek mythology) The goddess of youth and spring.
49. A river in central Italy rising in the Apennines and flowing through Florence and Pisa to the Ligurian Sea.
50. The United Nations agency concerned with atomic energy.
51. The elementary stages of any subject (usually plural).
54. A graphical record of electrical activity of the brain.
55. A loose sleeveless outer garment made from aba cloth.
59. Before noon.
60. A soft silvery metallic element of the alkali earth group.
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