People as resource

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Across
  1. 5. Ability to read and write HEALTH. State of body and mind
  2. 7. System of money and work
  3. 8. Spending for future benefit
  4. 9. Special ability to do something
Down
  1. 1. Half of the population
  2. 2. Hidden type of unemployment
  3. 3. Process of learning
  4. 4. No job, but wants to work
  5. 6. Skills and knowledge of people