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Across 4. Financial institution that provides various products and services to its customers. 6. To buy and use a good or service. 7. People employed to do work. 9. The condition that exists because human wants exceed the capacity of available resources to satisfy those wants. 10. Spending and savings plan. 11. Amount that must be paid or spent to buy or obtain something. 12. Economic regulation - prescription of price + output for a specific industry. 14. Places that can be used to produce goods and services. 15. Anything accepted as final payment for goods and services. 16. Payments for labor services directly tied to time worked. 18. Second best alternative that must be given up when scarce resources are used for one purpose vs. another. (2 Words) 19. Amount of output prodused per unit of input used.

Down 1. The quantity and quality of human effort available to make purchases. 2. Government activity in establishing a framework in economic life. (3 Words) 3. People who desire to conserve their monetary funds to the best of their ability. 5. Reward or benefit that motivates people to do something/ 8. An economic system that relies on a system of market prices to allocate goods, services, and resources. (2 Words) 11. Indicates how creditworthy a prospective borrower is likely to be as determined by the borrower's current financial assets and net worth. 13. Study of how people, firms, and societies choose to allocate scarce resources with alternative uses. 17. Work done on order at an agreed rate.