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Across 3. The sale of one's time, skills, or expertise 6. An expense 8. Payment for the use of someone else's money 10. Something made and sold on the market 12. Person who organizes and manages a business 13. Person who volunteers time and expertise to help a business owner 15. Money received from sale of products and services

Down 1. Something of value 2. Total of all products and services sold before expenses 4. Cost of doing business 5. On-going cost of operating a business 6. Money or property owned by the business 7. Person or business who buys products and services for its own use 9. Money earned by sale of products and services 10. Exclusive right to produce, use, and sell invention or process 11. Group of people interested in a product or service 14. Percent of business income used to support public services