Mysterious English EUR

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Across
  1. 1. staff of an organization
  2. 2. the part of a pencil that writes
  3. 4. an official insurance representative
  4. 7. nothing, zero, a place to start from
  5. 9. what you do to an insurance claim
  6. 11. destroy, make useless
  7. 12. government employee (2)
  8. 14. engaging in armed conflict
  9. 17. fluctuations (3)
  10. 18. find a very sensitive area, esp. speaking (3)
Down
  1. 1. a unit of insurance
  2. 3. repeat what you did (2)
  3. 5. changes in personnel or product stock
  4. 6. a trip on a ship, rhymes with "lose"
  5. 8. a person who visits
  6. 10. ______ leave = time off not compensated
  7. 13. ______ and responsibilities
  8. 15. a conceptual structure to work in
  9. 16. how much you have to do