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Across 2. Effort applied to achieve a purpose or result,often for pay 3. Income received for entrepreneurial skills and risk taking 5. Payments for goods and service 6. Quantity and quality of human effort available to produce goods and service 8. Amount that must be paid or spent to buy or obtain something 9. Anything generally accepted as final payment for goods and service 10. A conclusion reached after considering alternatives and their results 11. Context of credit transactions, 3Cs of credit 13. a piece of work usually done on order at an agreed-upon rate 15. Economy that relies on a system of interdependent market prices to allocate goods,service,and productive resources 16. Use money now to buy goods and service

Down 1. Spending-and-savings plan, based on income and expenses 2. People employed to do work 4. Person or organization plans to achieve in the future 5. Study of how people, firms and societies choose to allocate scarce resources 7. money paid regularly to a persoM 8. Decision made or course of action taken when faced with set of alternatives 10. Money put into financial account 12. Include salaries,wages,interest and dividends 14. Keep money for future use