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Across 3. mutual funds that buy short-term bonds 8. loans payable over a long period of time 9. voluntary insurance that individuals and companies pay to cover unexpected losses 10. savings in a bank for a specified amount of money over a specific amount of time 12. set up by the federal government in 1935 to protect against old age, disability, and unemployment 16. deducting the interest on a loan in advance by a bank 19. money paid for insurance 21. loans payable over a short period of time 22. a system of spreading risks over large numbers of people 23. rate of interest charged by the Federal Reserve to member banks 24. a large number of stocks or other investment items managed by in investment professional

Down 1. created to help people to purchase homes 2. property used to guarantee repayment of a loan 4. where stocks are bought and sold 5. the person named in the policy to receive the money when the policyholder dies 6. government programs that are meant to protect individuals from future hardships 7. regulates banks by requiring that they keep a certain amount of money in reserve 11. people who are owed money 13. a financial institution owned by it's members 14. a legal declaration that a person or business can not pay debts owed 15. people who work for a brokerage house 17. federal health insurance program to help U.S. citizens who are 65 and older 18. another term for coins and paper money 20. program designed to provide health care for low income people