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Across 3. items used to produce goods and services (natural, human, etc) 6. money set aside for future use 7. Spending-and-savings plan covering a specific time period 9. Study of how people, firms, and societies choose to allocate scarce resources and alternative uses 12. when wants exceed the capacity of available resources 14. Money put into a financial account 15. payments earned by households for selling or renting their productive resources 18. Financial institution that provides checking and saving accounts, loans, and currency exchange 19. desires that can be satsifed by consuming or using a good or service 20. Decision made or course of action taken when faced with an issue

Down 1. payments for labor services directly tied to time worked 2. amount of output produced per unit of input 4. the quantity and quality of human effort available to produce goods and services 5. reward or benefit that motivates people to do something 8. "gifts of nature" used to produce goods and services 10. places where or by means of which goods or services are exchanged 11. people employed to do work, producing goods and services 13. Resources and goods made and used to produce other goods and services. 16. Amount that must be paid or spent to buy or obtain something. 17. anything accepted as final payment for goods and services