Penniless!

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Across
  1. 7. Proposed laws
  2. 8. A careful guess based on information
  3. 10. Advice
  4. 11. Money that must be accepted
  5. 12. Pictures, words, or designs pressed onto a coin
  6. 13. Having no money at all
  7. 14. Related to the past or history
  8. 17. A gray metal
  9. 18. People who gather and keep special items
Down
  1. 1. When money is being used and passed around by people.
  2. 2. Stores or businesses that sell things directly to customers
  3. 3. At the present time
  4. 4. The act of creating or starting something
  5. 5. Groups of people or businesses that work together
  6. 6. Steps
  7. 9. An exchange where money is used
  8. 12. What something is made of
  9. 15. A Greek letter
  10. 16. Sold to the person who offers the highest price
  11. 19. People in the United States who create national laws