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Across 4. Something a person or organization plans to achieve in the future; an aim or desired result. 6. To buy and use a good or service. 7. The basic kinds of resources used to produce goods and services: land or natural resources, human resources (including labor and entrepreneurship), and capital. 8. Second-best alternative (or value of that alternative) that must be given up when scarce resources are used for one purpose vs. another. (2 Words) 12. Payments for goods and services. 13. Money paid regularly, at a particular rate, for the use of borrowed money. 14. Money set aside for future use in easily-accessed accounts: savings accounts, certificates of deposit. 16. Desires that can be satisfied by consuming or using a good or service. Economists do not differentiate between wants and needs. 17. Persons who desire to conserve their monetary funds to the best of their ability. 18. A piece of work usually done on order at an agreed-upon rate. Also a paid position of regular employment.

Down 1. Decision made or course of action taken when faced with a set of alternatives. 2. Keep money for future use; divert money from current spending to savings account or other investment. 3. Amount of output (goods and services) produced per unit of input (productive resources) used. 5. Reward or benefit, such as money, advantage or good feeling, that motivates people to do something. 9. Money put into a financial account. Also, to place money in a financial account. 10. Financial institution that provides various products and services to its customers, including checking and savings accounts, loans and currency exchange. 11. People who employed to do work, producing goods and services. 14. Use money now to buy goods and services. 15. The quantity and quality of human effort available to produce goods and services. 16. Payments for labor services directly tied to time worked, or to the number of units of output produced.