Economics and choice

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Across
  1. 3. The amount of money a person has available after paying for needs and wants
  2. 5. The degree of financial responsibility for any losses incurred by a business or individual
  3. 6. A spending and saving plan
  4. 10. An agreement between two parties
  5. 11. An intangible good that is provided by an individual or organisation
Down
  1. 1. Luxury or non-essential goods and services
  2. 2. Selling the rights to use a business name, image or management system
  3. 4. Funds available to finance spending on a day-to-day basis
  4. 7. An item which is tangible. It can be seen or touched
  5. 8. Anyone who buys goods and services
  6. 9. Goods essential to our survival, such as food, water, shelter and clothing