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Across 1. on-the-job training program for practical jobs such as plumbing or carpentry 3. a type of account where money is kept for a fixed period of time in return for a fixed rate of interest 5. a card that allows you to borrow money to pay for transactions 7. an account with a bank that pays interest on money deposited 13. money placed in a bank account 14. benefits of producing larger quantities 15. things we would like rather than need (e.g. an MP3 player) 16. a formal allegation that a person has committed an offence 17. an amount of money paid regularly to someone during retirement by the government, a former employer or a fund 18. an unlawful action for which a legal penalty is imposed debit card a card that allows you to withdraw funds from your account immediately. If there are insufficient funds in your account, the transaction cannot be completed.

Down 1. paying close attention to a speaker, responding to or questioning them to ensure their message is understood 2. a regular payment made by the government to people who are entitled to receive it 4. amount of money banks charge to cover their costs of operating your account 6. movement of money, labour, other resources, and goods and services between sectors 8. an amount of money taken out of a bank account 9. a person who hires employees 10. he party bringing a criminal action against the accused 11. money received on a regular basis from work, business, property rentals or welfare payments 12. Technical and Further Education college 13. financial obligation to repay money owed