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Across 3. Decision made or course of action taken when faced with a set of alternatives. 5. Something a person or organization plans to achieve in the future. 9. Arrangement by which a bank holds funds on behalf of a depositor. (2 Words) 11. To buy or use a good or service. 13. The basic kinds of resources used to produce goods and services 15. Use money now to buy goods and services. 16. Keep money for future use. 17. Desires that can be satisfied by consuming or using a good or service. 18. A piece a work usually done on order at an agreed-upon rate.

Down 1. People employed to do work, producing goods and services. 2. Money set aside for future use in easily-accessed accounts. 4. Study of how people, firms and societies choose to allocate scarce resources with alternative uses. 6. Money put into a financial account. 7. Payments for goods and services. 8. Amount that must be paid or spent to buy or obtain something. 10. Money paid regularly to a person. 12. The quantity and quality of human effort available to produce goods and services. 14. "Gifts of nature" that can be used to produce goods and services. 15. Disposable income(income after taxes) minus consumption spending. 17. Payments for labor services directly tied to time worked.