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Across 3. voluntary association formed to carry out some kind of economic activity that will benefit its members 5. owner is personally and fully responsible for all losses and debts of the business 7. noncash charge the firm takes for the general wear and tear on its capital goods 9. financial organization that accepts deposits from and makes loans to employees of a particular company or government agency 11. business owned and run by a single individual 13. written promise to repay the amount borrowed at a later date 14. combination of two or more businesses to form a single firm 16. investors that own part of a company 17. stock of finished goods and parts in reserve 18. government document that gives permission to create a corporation 24. nonprofit organization sponsored by local businesses 25. negotiates with management over issues such as pay, working hours, health care coverage, vacations, and other job related matters 28. corporation that has manufacturing or service operations in a number of different countries 30. ownership certificate 32. report showing a business's sales, expenses, net income, and cash flows for a period of time 33. price paid for the use of another's money 34. firms that produce the same kind of product join forces 35. municipal or investor-owned companies that offer products such as water, sewage, and electric service to the public

Down 1. business that is jointly owned by two or more persons 2. people in a specialized occupation interested in improving the working conditions, skill levels, and public perception of the profession 4. amount borrowed for a bond 6. at least one partner is not active in the daily running of the business 8. firm legally ceases to exist when the owner dies, quits, or sells the business 10. funds left over after all of the firm's expenses, including taxes, are subtracted from its sales 12. nonvoting ownership shares of a corporation 15. works in a businesslike way to promote the collective interests of its members rather than seek financial gain for its owners 18. organization that promotes promotes the welfare of its member businesses 19. all partners are equally responsible for the management and financial obligations of the business 20. basic ownership in a coprporation 21. stockholder dividends are taxed twice 22. organization of workers formed to represent its members' interests in various employment matters 23. companies involved in different stages of manufacturing or marketing join together 26. firm that has at least 4 businesses 27. form of business organization recognized by law as a separate legal entity with all the rights of an individual 29. sum of net income and noncash charges 31. check that transfers a portion of corporate earnings to each stockholder