Vertical
1. the basic structure or features of a system or organization
2. act or preside as chair, as of an academic department in a university
5. a person authorized to conduct religious worship
6. an act of economizing; reduction in cost
7. conformity with rules or standards
Horizontal
2. a storage compartment for clothes and valuables; usually it has a lock
3. set or determine the amount of (a payment such as a fine)
4. anything of material value or usefulness that is owned by a person or company
8. charge against a citizen's person or property or activity for the support of government
9. a commercial or industrial enterprise and the people who constitute it
10. involving financial matters
11. a short note recognizing a source of information or of a quoted passage