Neil the goat

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Across
  1. 5. Legally binding agreement
  2. 7. What’s left after business expenses
  3. 9. The act of buying and selling between individuals or businesses
  4. 10. Institution that processes cheques
  5. 11. Fit, safe, defect-free product
  6. 13. Rights for faulty products/services
  7. 16. Person who writes the cheque
  8. 20. Extra money paid on loans
  9. 24. Giving something of value
  10. 27. One who makes goods
  11. 28. Written order to pay money
  12. 29. Essential for survival, like water
  13. 30. Trader-run charge account
  14. 31. An organisation that sells goods/services for profit
  15. 33. Card payment tech at checkout
  16. 34. Expected income and spending list
  17. 36. Online store operator
  18. 39. Moving money via phone or internet
  19. 40. act Unreasonable and often illegal selling
  20. 41. The one receiving money
  21. 42. Token with agreed payment value
Down
  1. 1. Employed and unemployed aged 15+
  2. 2. Latin for “let the buyer beware”
  3. 3. Nice to have, but not essential
  4. 4. Buys in bulk from manufacturers
  5. 6. To make things right again
  6. 8. trickery
  7. 12. Contacting sellers for best deal
  8. 14. or swindling
  9. 15. Things done for you by others
  10. 17. Amount offered in exchange for a product
  11. 18. Buying via catalogue, delivered by post
  12. 19. Purchasing goods via internet
  13. 21. Swapping goods directly
  14. 22. Purchase made without much thought
  15. 23. A proposal in contract
  16. 25. Regularly received money from work or investments
  17. 26. A person who buys goods or services
  18. 32. Business selling straight to consumers
  19. 35. How a product reaches customers
  20. 37. Tangible items you can see or touch
  21. 38. Agreement to a proposal