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Across 1. formal legal papers drawn up to specify arrangements between partners (3 Words) 5. when the union negotiates with management over issues such as pay, working hours, healthcare coverage, vacations, and other job related matters (2 Words) 6. ownership certificates in the firm 9. the funds left over after all of the firm's expenses, including taxes, are subtracted from its sales (2 Words) 15. an organization of workers formed to represent its members; interests in various employment mattters (2 Words) 16. a corporation that has manufacturing or service operations in a number of different countries 17. stockholder dividends are taxed twice (2 Words) 20. a nonprofit organization sponsored by local businesses (3 Words) 22. the price paid for the use of another's money 23. all partners are responsible for the managment and financial obligations of the business (2 Words) 24. represents nonvoting ownership shares of the corporation (2 Words) 27. at least one partner is not active in the daily running of the business (2 Words) 31. an organization that promotes the welfare of its member businesses (3 Words) 32. the owner is personally and fully responsible for all losses and debts of the business (2 Words) 34. the ammount borrowed 35. a financial organization that accepts deposits from and makes loans to employees of a particular company or government agency (2 Words) 36. a voluntary association formed to carry on some kind of economic activity that will benefit its members 37. a form of business organization recognized by law as a separate legal entity with all the rights of an individual

Down 2. works in a business like way to promote the collective interests of its members rather than to seek financial gain for others (2 Words) 3. consists of people in a specialized occupation interested in improving the working conditions, skill levels, and public perception of the profession (2 Words) 4. takes place when firms that produce the same kind of product join forces (2 Words) 7. the sum of net income and noncash charges, such as depreciation--is the bottom line, a more comprehensive measure of profits (2 Words) 8. a businesses that is jointl owned by two or more persons 10. municipal r investor owned compaines that offer products such as water, sewerage, and electric service to the public (2 Words) 11. a firm that has a least four businesses, each making unrelted products and none responsible for a majority of its sales 12. represents basic ownership of a corporation (2 Words) 13. helps members promote or sell their products (2 Words) 14. a government document that gives permission to create a corporation 18. when companies involve in different stages of manufacturing or marketing join together (2 Words) 19. a report showing a business's sales, expenses, net income, and cash flows for a period of time (2 Words) 21. a business owned by one person (2 Words) 25. a combination of two or more businesses to form a single firm 26. a check that transfers a portion of the corporate earnings to each shareholder 27. firm legally ceases to exist when the owner dies, quits, or sells the business (2 Words) 28. a stock of finished goods and parts in reserve 29. shareholders 30. a noncash charge the firm takes for the general wear and tear on its capital goods 33. a written probise to repa the amount borrowed at a later date