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3. the act of paying back money to someone who has spent it for you or lost it because of you, or the amount that is paid back
6. a good knowledge of something, or the fact that you know it so well
8. a person who formally requests something, especially a job, or to study at a college or university
11. an official record showing that you have finished a training course or have the necessary skills
12. (an) amount or level of something
13. If an activity resumes, or if you resume it, it starts again after a pause
14. the companies and activities involved in the process of producing goods for sale, especially in a factory or special area
15. an ability to do an activity or job well, especially because you have practised it

1. the act of believing that something is true without having any proof
2. a helpful or good effect, or something intended to help
4. the process of teaching or learning, especially in a school or college, or the knowledge that you get from this
5. the control and organization of something
7. an occasion or situation that makes it possible to do something that you want to do or have to do, or the possibility of doing something
9. teaching, especially when given to a small group or one person, such as in a college or university
10. a particular amount of money that is paid, usually every week, to an employee, especially one who does work that needs physical skills or strength, rather than a job needing a college education