Economics and choice

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Across
  1. 3. Funds available to finance spending on a day-to-day basis
  2. 5. Selling the rights to use a business name, image or management system
  3. 8. The amount of money a person has available after paying for needs and wants
  4. 9. Anyone who buys goods and services
  5. 11. An item which is tangible. It can be seen or touched
Down
  1. 1. The degree of financial responsibility for any losses incurred by a business or individual
  2. 2. A spending and saving plan
  3. 4. Luxury or non-essential goods and services
  4. 6. An agreement between two parties
  5. 7. An intangible good that is provided by an individual or organisation
  6. 10. Goods essential to our survival, such as food, water, shelter and clothing