| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Title for a civil or military leader (especially in Turkey).
7. A Chadic language spoken south of Lake Chad.
11. Any of various primates with short tails or no tail at all.
12. Extremely pleasing.
13. A small nail.
14. Having leadership guidance.
15. An accidental hole that allows something (fluid or light etc.) to enter or escape.
17. The 7th letter of the Greek alphabet.
18. Singing jazz.
20. A sweetened beverage of diluted fruit juice.
21. A river in north central Switzerland that runs northeast into the Rhine.
22. A monarchy in northwestern Europe occupying most of the British Isles.
24. A loose sleeveless outer garment made from aba cloth.
26. A white metallic element that burns with a brilliant light.
28. A white soft metallic element that tarnishes readily.
29. Small tree of dry open parts of southern Africa having erect angled branches suggesting candelabra.
33. A Christian Bishop who translated the Bible from Greek into Gothic (311-382).
36. The elementary stages of any subject (usually plural).
37. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
38. The United Nations agency concerned with atomic energy.
44. An insecticide that is also toxic to animals and humans.
48. A federal agency established to coordinate programs aimed at reducing pollution and protecting the environment.
49. Fallow deer.
50. A master's degree in business.
51. The sign language used in the United States.
52. Lacking in liveliness or charm or surprise.
53. Light informal conversation for social occasions.
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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 federation of North American labor unions that merged with the Congress of Industrial Organizations in 1955.
5. (Greek mythology) Goddess of the earth and mother of Cronus and the Titans in ancient mythology.
6. A port city in southwestern Iran.
7. A logarithmic unit of sound intensity.
8. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
9. A Chadic language spoken south of Lake Chad.
10. The sixth month of the civil year.
16. Cubes of meat marinated and cooked on a skewer usually with vegetables.
19. Eurasian perennial bulbous herbs.
23. Informal terms for money.
25. The blood group whose red cells carry both the A and B antigens.
27. A silvery ductile metallic element found primarily in bauxite.
30. An awkward stupid person.
31. A Russian river.
32. One million periods per second.
34. Of or relating to a fetus.
35. A radioactive element of the actinide series.
39. A system of one or more computers and associated software with common storage.
40. A Tibetan or Mongolian priest of Lamaism.
41. According to the Old Testament he was a pagan king of Israel and husband of Jezebel (9th century BC).
42. A small cake leavened with yeast.
43. An Arabic speaking person who lives in Arabia or North Africa.
45. A condition (mostly in boys) characterized by behavioral and learning disorders.
46. The month following February and preceding April.
47. A graphical record of electric currents associated with muscle contractions.
48. A hard gray lustrous metallic element that is highly corrosion-resistant.
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