| ACROSS
1. The federal agency that insures residential mortgages.
4. Resinlike substance secreted by certain lac insects.
7. Distinctive and stylish elegance.
11. A former agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States.
12. A bachelor's degree in theology.
13. A member of an Iroquoian people formerly living on the south shore of Lake Erie in northern Ohio and northwest Pennsylvania and western New York.
14. The most common computer memory which can be used by programs to perform necessary tasks while the computer is on.
15. (British) A waterproof raincoat made of rubberized fabric.
16. The season when the leaves fall from the trees.
17. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
20. A radioactive element of the actinide series.
23. Having a specified kind of border or edge.
24. Of or like a cecum.
29. Title for a civil or military leader (especially in Turkey).
30. The chief solid component of mammalian urine.
33. The blood group whose red cells carry both the A and B antigens.
35. The capital of Croatia.
40. Above average in size or number or quantity or magnitude or extent.
41. A Chadic language spoken south of Lake Chad.
44. The 7th letter of the Greek alphabet.
45. A nucleic acid consisting of large molecules shaped like a double helix.
47. Primitive predaceous North American fish covered with hard scales and having long jaws with needle-like teeth.
48. A river in north central Switzerland that runs northeast into the Rhine.
49. Taking place over public roads.
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DOWN
1. A card game in which players bet against the dealer on the cards he will draw from a dealing box.
2. A collection of objects laid on top of each other.
3. The highest level or degree attainable.
4. Your general store of remembered information.
5. According to the Old Testament he was a pagan king of Israel and husband of Jezebel (9th century BC).
6. Counting the number of white and red blood cells and the number of platelets in 1 cubic millimeter of blood.
7. Mar or spoil the appearance of.
8. An Arabic speaking person who lives in Arabia or North Africa.
9. A fabric made from the fine threads produced by certain insect larvae.
10. Goddess of the dead and queen of the underworld.
18. Conqueror of Gaul and master of Italy (100-44 BC).
19. The cry made by sheep.
21. Being one hundred more than three hundred.
22. Someone who works (or provides workers) during a strike.
25. A compartment in front of a motor vehicle where driver sits.
26. A soft white precious univalent metallic element having the highest electrical and thermal conductivity of any metal.
27. A white soft metallic element that tarnishes readily.
28. A small tent used as a dressing room beside the sea or a swimming pool.
31. An Indian side dish of yogurt and chopped cucumbers and spices.
32. Moth having nonfunctional mouthparts as adults.
34. The district occupied entirely by the city of Washington.
36. Tropical starchy tuberous root.
37. A soft silvery metallic element of the alkali earth group.
38. A small cake leavened with yeast.
39. (computer science) A data transmission rate (bits/second) for modems.
42. A room or establishment where alcoholic drinks are served over a counter.
43. The United Nations agency concerned with international maritime activities.
46. A state in northwestern United States on the Pacific.
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