1. a large, flat, thin case for carrying loose papers or drawings or maps; usually leather

3. matters of personal concern

5. a person authorized to conduct religious worship

6. English botanist who accompanied Captain Cook on his first voyage to the Pacific Ocean (1743-1820)

9. a self-constituted organization to promote something

10. a reserve of money set aside for some purpose

2. using the minimum of time or resources necessary for effectiveness

4. an obligation to pay or do something

7. protection against future loss

8. a statement of recent transactions and the resulting balance

11. engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit etc.

12. set or determine the amount of (a payment such as a fine)