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Across 4. Payments for labor services directly yied to time worked, or to the number of units of output produced. 5. The quantity and quality of human effort available to produce goods and sevices 8. Money paid regularly at a particular rate for the use of borrowed money 9. Person who desire to conserve their monetary funds to the best of their ability 10. A conclusion reached after considering alternatives and their results 12. Economy that relies on a system of independent market prices to allocate goods (2 Words) 14. Study of how people firms and societies choose to allocate scarce resources with alternative uses 16. Payments for goods and services 17. Anything generally accepted as final payment for good or service 20. People employed to do work, producing good and service 21. Use money now to buy goods and services

Down 1. Second Best (2 Words) 2. Desires that can be satisfied by consuming or using a good or service 3. Keep money for future use 6. Gift of Nature 7. A Natural Monopoly 11. Income received for entrepreneurial skills and risk taking 13. To Buy and Use a good or service 15. Money put into a financial account 18. Decision made or course of action taken when faced with a set of alternatives 19. Efforts applied to achieve a purpose or result