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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. A benevolent aspect of Devi.
7. Greenish-yellow pear.
11. Any of various primates with short tails or no tail at all.
12. Someone who is morally reprehensible.
13. (prefix) Indicating difference or variation.
14. Having leadership guidance.
15. A resource.
16. A small ball with a hole through the middle.
17. A fraudulent business scheme.
20. Naked freshwater or marine or parasitic protozoa that form temporary pseudopods for feeding and locomotion.
22. A flat-bottomed volcanic crater that was formed by an explosion.
25. A unit of surface area equal to 100 square meters.
28. (Old Testament) The second patriarch.
30. A public promotion of some product or service.
31. A compartment in front of a motor vehicle where driver sits.
32. Someone who works (or provides workers) during a strike.
34. A unit of magnetomotive force equal to 0.7958 ampere-turns.
36. The blood group whose red cells carry both the A and B antigens.
37. A river in southeastern Australia that flows generally northwest to join the Darling River.
41. A small piece of cloth.
43. A flat wing-shaped process or winglike part of an organism.
46. Plant with an elongated head of broad stalked leaves resembling celery.
47. The elementary stages of any subject (usually plural).
48. A workplace for the conduct of scientific research.
49. On or toward the lee.
50. The cry made by sheep.
51. Title for a civil or military leader (especially in Turkey).
52. 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. Fiddler crabs.
5. South American plant cultivated for its large fragrant trumpet-shaped flowers.
6. A condition (mostly in boys) characterized by behavioral and learning disorders.
7. A coffee cake flavored with orange rind and raisins and almonds.
8. Evergreen trees and shrubs having oily one-seeded fruits.
9. Block consisting of a thick piece of something.
10. The closing section of a musical composition.
18. A percussion instrument consisting of a pair of hollow pieces of wood or bone (usually held between the thumb and fingers) that are made to click together (as by Spanish dancers) in rhythm with the dance.
19. In bed.
21. A period marked by distinctive character or reckoned from a fixed point or event.
23. A very poisonous metallic element that has three allotropic forms.
24. An associate degree in applied science.
26. An official prosecutor for a judicial district.
27. A small pellet fired from an air rifle or BB gun.
29. An esoteric or occult matter that is traditionally secret.
33. The capital and largest city of Yemen.
35. A small cake leavened with yeast.
38. A public area set aside as a pedestrian walk.
39. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
40. The United Nations agency concerned with atomic energy.
42. Aircraft landing in bad weather in which the pilot is talked down by ground control using precision approach radar.
44. The act of slowing down or falling behind.
45. A loose sleeveless outer garment made from aba cloth.
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