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Across 2. Examine thoroughly and in great depth 5. Something set aside for an unforeseen emergency 6. Taking into consideration all possible circumstances and consequences before acting 9. A disposition to be friendly and approachable 11. An absence or loss of good will, faith, or loyalty towards something 13. Consideration in dealing with others, and avoiding giving offence 15. Defying expression or description 17. Habitually reserved and uncommunicative 18. Fond of the pleasure of good company 19. A self-proclaimed expert with little real understanding 20. Reluctant to draw attention to oneself

Down 1. Causing internal conflict within a group 3. Lacking a conscience 4. Express a negative opinion of 7. Having many aspects 8. A feeling or display of animosity 10. A feeling of ill will, arousing active hostility 12. Concise and full of meaning 14. Containing or implying a slight or showy prejudice 16. Anyone who submits to the belief that they are powerless to change their destiny