Across
- 3. express or state clearly
- 7. intellectually productive
- 8. making an insurance in written form
- 10. list of things to be discussed
- 11. paid advertisement on radio or tv
- 12. legal or official approval
- 13. incapable of being avoided
- 15. marked by sound judgement
Down
- 1. business plan
- 2. set of tools
- 4. official punishment
- 5. abnormally enlarged
- 6. something of crucial importance
- 9. local office or shop of a company
- 14. general idea of value