| ACROSS
1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. Smallest merganser and most expert diver.
8. (usually followed by `to') Naturally disposed toward.
11. Any of various primates with short tails or no tail at all.
12. United States writer (born in Poland) who wrote in Yiddish (1880-1957).
13. A unit of length of thread or yarn.
14. Having leadership guidance.
15. A visual presentation showing how something works.
16. A gradual decline (in size or strength or power or number).
17. Someone who works (or provides workers) during a strike.
19. A white soft metallic element that tarnishes readily.
21. The branch of computer science that deal with writing computer programs that can solve problems creatively.
22. A soft silvery metallic element of the alkali earth group.
24. A doctor's degree in education.
26. (Irish) Mother of the ancient Irish gods.
29. The cry made by sheep.
32. 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).
35. Offering fun and gaiety.
37. A white linen liturgical vestment with sleeves.
38. Having undesirable or negative qualities.
39. Any culture medium that uses agar as the gelling agent.
42. A metallic element of the rare earth group.
44. A state in northwestern North America.
49. An ugly evil-looking old woman.
51. A radioactive element of the actinide series.
53. (Babylonian) A demigod or first man.
54. The elementary stages of any subject (usually plural).
55. A flexible container with a single opening.
57. A notable achievement.
58. A plant hormone promoting elongation of stems and roots.
59. A loose sleeveless outer garment made from aba cloth.
60. Type genus of the Alcidae comprising solely the razorbill.
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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. Experiencing or showing sorrow or unhappiness.
5. One thousandth of a second.
6. Electronic warfare undertaken to prevent or reduce an enemy's effective use of the electromagnetic spectrum.
7. Including all components without exception.
8. Fermented alcoholic beverage similar to but heavier than beer.
9. Having nine hinged bands of bony plates.
10. A sock with a separation for the big toe.
18. A small pellet fired from an air rifle or BB gun.
20. A public promotion of some product or service.
23. The blood group whose red cells carry both the A and B antigens.
25. A light touch or stroke.
27. A silvery soft waxy metallic element of the alkali metal group.
28. A flat wing-shaped process or winglike part of an organism.
30. A river in north central Switzerland that runs northeast into the Rhine.
31. A silvery ductile metallic element found primarily in bauxite.
33. An intensely radioactive metallic element that occurs in minute amounts in uranium ores.
34. A bachelor's degree in religion.
36. Title for a civil or military leader (especially in Turkey).
40. Jordan's port.
41. A genus of Ploceidae.
42. Fermented alcoholic beverage similar to but heavier than beer.
43. A small cake leavened with yeast.
45. An official prosecutor for a judicial district.
46. A Gaelic-speaking Celt in Ireland or Scotland or the Isle of Man.
47. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
48. A quantity of no importance.
50. Aircraft landing in bad weather in which the pilot is talked down by ground control using precision approach radar.
52. A compartment in front of a motor vehicle where driver sits.
56. A rare silvery (usually trivalent) metallic element.
57. A chronic inflammatory collagen disease affecting connective tissue (skin or joints).
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