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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. A cord fastened around the neck with an ornamental clasp and worn as a necktie.
8. A drug combination found in some over-the-counter headache remedies (Aspirin and Phenacetin and Caffeine).
11. Any of various primates with short tails or no tail at all.
12. South American armadillo with three bands of bony plates.
13. Of or relating to a member of the Buddhist people inhabiting the Mekong river in Laos and Thailand.
14. Having leadership guidance.
15. A Mid-Atlantic state.
16. An indehiscent fruit derived from a single ovary having one or many seeds within a fleshy wall or pericarp.
18. Any of a number of fishes of the family Carangidae.
20. A white metallic element that burns with a brilliant light.
22. Any of numerous local fertility and nature deities worshipped by ancient Semitic peoples.
23. A radioactive element of the actinide series.
25. A master's degree in business.
28. A federal agency established to regulate the release of new foods and health-related products.
33. A Chadic language spoken south of Lake Chad.
37. A coffee cake flavored with orange rind and raisins and almonds.
39. Submerged aquatic plant having narrow leaves and small flowers.
45. Slender bristlelike appendage found on the bracts of grasses.
46. According to the Old Testament he was a pagan king of Israel and husband of Jezebel (9th century BC).
50. Wild and domestic cattle.
51. A small cake leavened with yeast.
52. Type genus of the family Myacidae.
53. In or of the month preceding the present one.
54. Any culture medium that uses agar as the gelling agent.
55. A flexible container with a single opening.
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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. Having undesirable or negative qualities.
5. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
6. A white soft metallic element that tarnishes readily.
7. Someone who engages in arbitrage (who purchases securities in one market for immediate resale in another in the hope of profiting from the price differential).
8. Type genus of the Alcidae comprising solely the razorbill.
9. Large burrowing rodent of South and Central America.
10. Fossil fuel consisting of carbonized vegetable matter deposited in the Carboniferous period.
17. The elementary stages of any subject (usually plural).
19. An official prosecutor for a judicial district.
21. Title for a civil or military leader (especially in Turkey).
24. A radioactive transuranic element.
26. A soft silvery metallic element of the alkali earth group.
27. A highly unstable radioactive element (the heaviest of the halogen series).
29. A young woman making her debut into society.
30. A constellation in the southern hemisphere near Telescopium and Norma.
31. A heavy odorless colorless gas formed during respiration and by the decomposition of organic substances.
32. Half the width of an em.
34. A loose sleeveless outer garment made from aba cloth.
35. The blood group whose red cells carry both the A and B antigens.
36. A Kwa language spoken by the Yoruba people in southwestern Nigeria.
38. Jordan's port.
39. Someone who engages in arbitrage (who purchases securities in one market for immediate resale in another in the hope of profiting from the price differential).
40. Absent without permission.
41. In or of the present month.
42. A Chadic language spoken south of Lake Chad.
43. Common Indian weaverbird.
44. (informal) Exceptionally good.
47. An ugly evil-looking old woman.
48. A room or establishment where alcoholic drinks are served over a counter.
49. The executive agency that advises the President on the federal budget.
50. A white metallic element that burns with a brilliant light.
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