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1. A state-chartered savings bank owned by its depositors and managed by a board of trustees.
4. A long thin fluffy scarf of feathers or fur.
7. (physics and chemistry) The smallest component of an element having the chemical properties of the element.
11. Any of various primates with short tails or no tail at all.
12. A pointed tool for marking surfaces or for punching small holes.
13. Plant with an elongated head of broad stalked leaves resembling celery.
14. Having leadership guidance.
15. Not only so, but.
17. A logarithmic unit of sound intensity equal to 10 decibels.
18. Someone who works (or provides workers) during a strike.
20. Any plant of the genus Erica.
22. A loose sleeveless outer garment made from aba cloth.
24. An associate degree in applied science.
25. Any of a number of fishes of the family Carangidae.
28. Measure of the US economy adopted in 1991.
32. Japanese ornamental tree with fragrant white or pink blossoms and small yellow fruits.
33. A soft white precious univalent metallic element having the highest electrical and thermal conductivity of any metal.
37. A particular geographical region of indefinite boundary (usually serving some special purpose or distinguished by its people or culture or geography).
43. A Chadic language spoken south of Lake Chad.
44. The deep vascular inner layer of the skin.
46. Bulky grayish-brown eagle with a short wedge-shaped white tail.
49. A river in north central Switzerland that runs northeast into the Rhine.
50. A unit of length of thread or yarn.
51. A small cake leavened with yeast.
52. The federal agency that insures residential mortgages.
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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. (used of animals especially a horse) Of a moderate reddish-brown color n 1.
5. Be obliged to pay or repay.
6. A flat wing-shaped process or winglike part of an organism.
7. An associate degree in nursing.
8. A sock with a separation for the big toe.
9. An organization of countries formed in 1961 to agree on a common policy for the sale of petroleum.
10. The arch of bone beneath the eye that forms the prominence of the cheek.
16. A collection of objects laid on top of each other.
19. Having undesirable or negative qualities.
21. An intensely radioactive metallic element that occurs in minute amounts in uranium ores.
23. Title for a civil or military leader (especially in Turkey).
26. A ductile gray metallic element of the lanthanide series.
27. The branch of computer science that deal with writing computer programs that can solve problems creatively.
29. 1/10 gram.
30. A public promotion of some product or service.
31. A white metallic element that burns with a brilliant light.
34. A soft silvery metallic element of the alkali earth group.
35. The cry made by sheep.
36. A genus of Ploceidae.
37. An associate degree in nursing.
38. Not widely known.
39. An inactive volcano in Sicily.
40. The content of cognition.
41. A woman hired to suckle a child of someone else.
42. God of death.
45. The airforce of Great Britain.
46. An international organization of European countries formed after World War II to reduce trade barriers and increase cooperation among its members.
47. A small pellet fired from an air rifle or BB gun.
48. The blood group whose red cells carry both the A and B antigens.
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