Lincoln Deng

2. the action of spending funds
5. a legally binding agreement
7. a proposal
9. items you can see or touch
11. disposable income that is not spent on current consumption or expenses, but is instead set aside for future use
14. when the offeree agrees to the proposal
16. the person who writes and signs a cheque
17. the swapping or exchanging of one good for another
18. what remains after all business expenses are deducted from sales revenue
19. a massive, one-stop retail facility combining a supermarket and department store
20. a busieness that sells products directly to consumers

1. the person who is to receive the money from a cheque
3. electronic funds transfer at point of sale
4. the extra money you have to pay back when borrowiing money
6. an independent, free, and impartial official who investigates complaints about government agencies, businesses, or public service providers
8. he preoccupation of society with the acquisition of consumer goods.
10. a term meaning: let the buyer beware
12. things that are necessary for survival, such as water and food
13. a product fit for purpose, acceptable in appearance and finish, free from defects, safe and durable
15. to set right
21. money received on a regular basis from work, property, business, investment or wellfare payments