MERRY CHRISTMAS

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Across
  1. 3. RFID
  2. 5. First day of 2019
  3. 6. Responsible for employee resources
  4. 8. Firecrackers
  5. 10. Three wise men
  6. 14. ... Christmas!
  7. 17. Foreign national registration
  8. 18. The 25th
  9. 20. Margins group subsidiaries
  10. 21. Day/evening before a holiday
  11. 22. Under Margins Group,without delay
  12. 23. City Ghanacard registration started
  13. 24. Season of giving and love
Down
  1. 1. Christmas delicacy in Ghana
  2. 2. Margins CFO
  3. 4. Jingle..
  4. 5. New year countdown begins
  5. 7. Yuletide ornament
  6. 9. ...New year!
  7. 11. Christmas songs
  8. 12. U.S is to Winter whereas Ghana is to...
  9. 13. Day after Christmas
  10. 15. ..Days of christmas
  11. 16. Margins Pronto location
  12. 19. Margins executive director name inverted