| ACROSS
1. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
4. A short sleeveless outer tunic emblazoned with a coat of arms.
10. (Judaism) Sacred chest where the ancient Hebrews kept the two tablets containing the Ten Commandments.
13. The habitation of wild animals.
14. Any of various deciduous or evergreen ornamental shrubs of the genus Abelia having opposite simple leaves and cymes of small white or pink or purplish flowers.
15. Extinct flightless bird of New Zealand.
16. A needle-like part or structure of a plant or animal or crystal.
18. In such a manner as could not be otherwise.
20. An indication of radiant light drawn around the head of a saint.
21. An international organization of European countries formed after World War II to reduce trade barriers and increase cooperation among its members.
23. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
24. Belonging to some prior time.
26. A hard malleable ductile silvery metallic element that is resistant to corrosion.
27. Restrain or bind with chains.
30. Cubes of meat marinated and cooked on a skewer usually with vegetables.
33. (sports) Not offside.
36. A British peer ranking below a Marquess and above a Viscount.
40. (Welsh) Corresponds to Iris Ler.
41. A constellation in the southern hemisphere near Telescopium and Norma.
42. A salt of any halogen acid.
44. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
48. Large crested fish-eating diving duck having a slender hooked bill with serrated edges.
51. A sheet or band of fibrous connective tissue separating or binding together muscles and organs etc.
53. American novelist (1909-1955).
54. (Babylonian) God of storms and wind.
57. Any of various small biting flies.
58. Plants with sword-shaped leaves and erect stalks bearing bright-colored flowers composed of three petals and three drooping sepals.
59. The Fate who spins the thread of life.
60. Being here now.
61. (British) An open river valley (in a hilly area).
62. A Christian holiday celebrating the birth of Christ.
63. The sixth month of the civil year.
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DOWN
1. A state in the Rocky Mountains.
2. A summary that repeats the substance of a longer discussion.
3. Of or like a feeble old woman.
4. The 19th letter of the Greek alphabet.
5. (usually followed by `to') Having the necessary means or skill or know-how or authority to do something.
6. A fire (usually on a hill or tower) that can be seen from a distance.
7. A silvery ductile metallic element found primarily in bauxite.
8. A state in New England.
9. Of or relating to Dante Alighieri or his writings.
10. A stock exchange in New York.
11. French sculptor noted for his renderings of the human form (1840-1917).
12. A river of southwestern Africa that rises in central Angola and flows east and then north (forming part of the border between Angola and Congo) and continuing northwest through Congo to empty into the Congo River on the border between Congo and Republic of the Congo.
17. Of or relating to or near the coccyx.
19. (Akkadian) God of wisdom.
22. A condition in which little or no bile is secreted or the flow of bile into the digestive tract is obstructed.
25. A state in southeastern United States.
28. A small island.
31. The sense organ for hearing and equilibrium.
32. An undergarment worn by women to support their breasts.
34. A trivalent metallic element of the rare earth group.
35. A trivalent metallic element of the rare earth group.
37. Any of the bones (or phalanges) of the fingers or toes.
38. The dignity or rank or position of an earl or countess.
39. Fermented alcoholic beverage similar to but heavier than beer.
43. Excessively fat.
45. (of complexion) Blemished by imperfections of the skin.
46. A crown-like jewelled headdress worn by women on formal occasions.
47. Someone who consumes food for nourishment.
49. A city in northern India.
50. French philosopher (1909-1943).
52. Title for a civil or military leader (especially in Turkey).
55. (Irish) Mother of the ancient Irish gods.
56. Any of several small ungulate mammals of Africa and Asia with rodent-like incisors and feet with hooflike toes.
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