Words are fun!

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Across
  1. 3. Funds pledged as security for repayment of a loan and that will be forfeited in the event of a default
  2. 5. Our President and CEOs last name
  3. 9. A preset format used so that the format does not have to be recreated each time it is used
  4. 10. Our AVPs last name
  5. 11. The theory and practice of teaching
  6. 14. To enroll as a voter, student or active member
  7. 15. A tendency to change quickly and unpredictably; fluctuation
  8. 16. A sum of money paid to someone each year for a period of time
  9. 19. Sign up process for our participants
  10. 20. A payment of money, also known as a distribution
  11. 21. A savings account used in conjunction with a high-deductible health insurance policy that allows users to save money tax-free against medical expenses (abbreviation)
  12. 22. An instance of buying or selling something; a business deal
  13. 24. A website that combines information (such as news stories or websites) from various Internet sources; another name for common remitter
Down
  1. 1. To give support or aid
  2. 2. A payment into an account
  3. 4. Our VPs last name
  4. 6. Something that causes difficulty or suffering
  5. 7. The end of something
  6. 8. A person who gains financial advantage from something (a trust, will, or life insurance policy)
  7. 12. The process of establishing the truth, accuracy, or validity of identity
  8. 13. Sport played by Webb Simpson
  9. 17. The point at which the participant possesses ownership of funds
  10. 18. A percentage of a contribution assigned to a particular fund
  11. 23. Guidance or recommendations offered