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Across 3. The quantity and quality of human effort availableto produce goods and services. 5. Disposable income minus consumption spending. 6. Keep money for future use; divert money from currrent spending to savings account:savings account, or other investment. 8. Payments for labor services directly tied to time worked, or to the number of units of output produced. 9. People employed to do work, producing goods and services. 11. Money put into a financial account. Also, to place money in a financial account. 12. Something a person or organization plans to acheive in the future; an aim or desired results. 14. Money paid regularly, at a particular rat, for the use of borrowed money. 17. Study og how people, firmsfirms and societies choose to allocate scarce resources. 18. Persons who desire to conserve their monetary funds to the best of their ability. 19. Amount of output produced per unit of imput used. 20. Use money now to buy goods and services.

Down 1. Money set asidefor future use in easily-accessed accounts: savings accounts, certificate of deposit. 2. Decision made or course of action taken when faced with a set of alternatives. 4. Payments for goods and services. 7. To buy and use a good or service. 10. A piece of work usually done on order at an agreed-upon rate. Also a paid position or regular employment. 13. Reward or benefit, such as money, advantage or good feeling, that motivates people to do something. 15. Money paid regularly to a person, often parent to a child; sometimes in compensation for services tendered. 16. A conclusion reached after considering alternatives and their results.