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Across
  1. 3. Penny
  2. 7. Dinosaurs
  3. 8. Pension
  4. 11. Oxen
  5. 13. Career
  6. 14. Cultivate
  7. 15. Pale
  8. 16. Greek
  9. 17. Luggage
  10. 18. Italy
  11. 20. Beat
Down
  1. 1. Palette
  2. 2. Insurance
  3. 4. Tunisia
  4. 5. Employee
  5. 6. History
  6. 9. Salary
  7. 10. Sequel
  8. 12. Elephant
  9. 19. Lava