| ACROSS
1. An island in Indonesia east of Java.
5. The federal agency that insures residential mortgages.
8. An honorary degree in science.
11. In bed.
12. A river in north central Switzerland that runs northeast into the Rhine.
13. A plant hormone promoting elongation of stems and roots.
14. Relating to or accompanying birth.
15. The (prehensile) extremity of the superior limb.
16. The residue that remains when something is burned.
19. A unit of length of thread or yarn.
20. An accidental hole that allows something (fluid or light etc.) to enter or escape.
22. A river in northern England that flows southeast through West Yorkshire.
23. City in northern Austria on the Danube.
27. 1/10 gram.
28. The cry made by sheep.
30. A compartment in front of a motor vehicle where driver sits.
32. A logarithmic unit of sound intensity.
38. The sense organ for hearing and equilibrium.
42. Suggestive of the supernatural.
43. A loose sleeveless outer garment made from aba cloth.
44. Resinlike substance secreted by certain lac insects.
45. Something causes misery or death.
46. An informal term for a father.
47. A master's degree in business.
48. (Roman mythology) God of love.
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DOWN
1. Obvious and dull.
2. Lower in esteem.
3. Of an instrument of certain death.
4. An agency of the United Nations affiliated with the World Bank.
5. The syllable naming the fourth (subdominant) note of the diatonic scale in solmization.
6. A state in the United States in the central Pacific on the Hawaiian Islands.
7. A colorless and odorless inert gas.
8. The granite-like rocks that form the outermost layer of the earth's crust.
9. A stick that people can lean on to help them walk.
10. An informal term for a father.
17. A Chadic language spoken south of Lake Chad.
18. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
21. Cubes of meat marinated and cooked on a skewer usually with vegetables.
24. Tag the base runner to get him out.
25. A soft silvery metallic element of the alkali earth group.
26. A nonmetallic largely pentavalent heavy volatile corrosive dark brown liquid element belonging to the halogens.
29. Naked freshwater or marine or parasitic protozoa that form temporary pseudopods for feeding and locomotion.
31. The blood group whose red cells carry both the A and B antigens.
33. A small cake leavened with yeast.
34. Type genus of the Alcidae comprising solely the razorbill.
35. A large quantity of written matter.
36. A river in central Italy rising in the Apennines and flowing through Florence and Pisa to the Ligurian Sea.
37. Someone whose job is to dye cloth.
39. A unit of absorbed ionizing radiation equal to 100 ergs per gram of irradiated material.
40. An advanced law degree.
41. A light touch or stroke.
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