| ACROSS
1. Using speech rather than writing.
5. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
8. The products of human creativity.
11. British writer of short stories (1870-1916).
12. The federal agency that insures residential mortgages.
13. The longer of the two telegraphic signals used in Morse code.
14. Essential oil or perfume obtained from flowers.
15. A river in north central Switzerland that runs northeast into the Rhine.
16. A lyric poem with complex stanza forms.
17. Cubes of meat marinated and cooked on a skewer usually with vegetables.
20. The blood group whose red cells carry both the A and B antigens.
21. A flat wing-shaped process or winglike part of an organism.
22. A light strong brittle gray toxic bivalent metallic element.
24. A river in north central Switzerland that runs northeast into the Rhine.
28. A soft silvery metallic element of the alkali earth group.
29. A software system that facilitates the creation and maintenance and use of an electronic database.
30. One of the most common of the five major classes of immunoglobulins.
32. (sports) The chief official (as in boxing or American football) who is expected to ensure fair play.
33. United States anarchist (born in Italy) who with Bartolomeo Vanzetti was convicted of murder and in spite of world-wide protest was executed (1891-1927).
35. Not only so, but.
38. (astronomy) An indistinct surface feature of Mars once thought to be a system of channels.
41. Belonging to or on behalf of a specified person (especially yourself).
45. (astronomy) The angular distance of a celestial point measured westward along the celestial equator from the zenith crossing.
46. Electronic equipment that provides visual images of varying electrical quantities.
47. A male monarch or emperor (especially of Russia prior to 1917).
49. Large brownish-green New Zealand parrot.
50. (of persons) Highest in rank or authority or office.
51. A loose sleeveless outer garment made from aba cloth.
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DOWN
1. Port city on southern Honshu on Osaka Bay.
2. Nocturnal badger-like carnivore of wooded regions of Africa and southern Asia.
3. Jordan's port.
4. The basic unit of money on Malta.
5. A master's degree in fine arts.
6. Title for the former hereditary monarch of Iran.
7. A room or establishment where alcoholic drinks are served over a counter.
8. A rapid bustling commotion.
9. Measuring instrument in which the echo of a pulse of microwave radiation is used to detect and locate distant objects.
10. 100 thebe equal 1 pula.
18. Any of various units of capacity.
19. Light informal conversation for social occasions.
23. Armor plate that protects the chest.
25. American professional baseball player who hit more home runs than Babe Ruth (born in 1934).
26. United States writer (born in Poland) who wrote in Yiddish (1880-1957).
27. Title for a civil or military leader (especially in Turkey).
31. Harmony of people's opinions or actions or characters.
34. A white metallic element that burns with a brilliant light.
36. A republic consisting of 26 of 32 counties comprising the island of Ireland.
37. Small buffalo of the Celebes having small straight horns.
38. A self-funded retirement plan that allows you to contribute a limited yearly sum toward your retirement.
39. According to the Old Testament he was a pagan king of Israel and husband of Jezebel (9th century BC).
40. A Tibetan or Mongolian priest of Lamaism.
42. Last or greatest in an indefinitely large series.
43. The compass point midway between east and southeast.
44. The cry made by sheep.
48. An official prosecutor for a judicial district.
49. A colorless and odorless inert gas.
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