

Across
1 Most human adults have 12
7 Union concern
11 Men of Man
15 Turf protector
19 This is far out
20 Gold ___
21 Seed covering
22 Miracle Met Tommie
23 Situated at the back
24 “Love all, trust ___”: Shakespeare
25 Wedding shower?
26 Staying power
27 Random inspection
28 Puts in a box, perhaps
30 Event of interest
31 Give a political speech
33 Athenian lawmaker
34 Sylphlike
36 Act of derring-do
39 A meter reader
41 Goddess of horses
43 Franciscan, e.g.
44 ____ Ball, Olympic medalist in beach volleyball
46 West of Hollywood
48 In a frugal manner
50 Dakota resident in a Beatles tune
52 1988 Olympics site
54 Grandma’s exhortation
55 “Ars Gratia Artis” studio
58 11 digits
60 Call from North, South, East or West
61 American falcon
63 Freckle
67 Messi, to many fans
69 “___ Mananitas” (traditional Mexican birthday song)
70 Crease near the hip
71 Heron’s kin
73 Went for
74 Sister from another mister
75 Got warm
76 Flintlock musket
77 “The Hurt Locker” hazard, for short
79 Chip maker
81 Pandora alternative
82 It can get you high
84 Agent
86 Go on the lam
88 “For example,…”
89 Jupiter, to Saturn
90 Red tape, often
92 After-school workers?
97 Not always
99 Chrome display
101 Flat fixer
102 Cantina offering
105 Look at the books
107 Pitching statistic
109 Quarter halves
110 Frankincense and myrrh
112 Became prevalent
114 Neat and tidy
116 Long ago, long ago
117 Freeze out
120 Motorist’s concern
124 Go up against
125 “Under the Bridge” bassist
126 Euphoric leaf
127 More obsequious
128 Asian unit of weight
129 Type of tale
130 Cocktail garnish
131 Spring-blooming bulb
132 Threat ender
133 Present time, briefly
134 That certain something
135 In a reasonable manner
Down
1 Rufus T. Firefly portrayer
2 Vienna-based cartel
3 Reluctant (var.)
4 Rustic
5 Do a spit take
6 Siberian native
7 Struck
8 ___au lait
9 Better
10 Obey a caveat
11 County in 12 down
12 State where 11 down is found
13 Mediterranean port
14 Pristine
15 Art mart
16 Venerable
17 Rescind
18 Canadian who discovered kerosene
29 Ran out
32 Didn’t suffer quietly
35 Appliance rating
36 Where achievers go
37 Lee Zeldin agcy.
38 ___ lamp
40 “We’ll ___ a cup o’ kindness yet”: Burns
42 Fields of study
45 Parliament head
47 Creator of hits?
49 Canal site
51 Tending to business
53 ___ d’agneau (lamb dish)
55 “Haka” dancer
56 Annoying criticism
57 Berlin song
59 Thoughtful
61 Mt. Shasta locale
62 Genus of curassows
63 Hotel offerings
64 Throat doctor’s concern
65 Inquisitive
66 First century year in Pompeii
68 Eye-opener
69 Type of suit
72 Pliable protein
75 “Such heavenly touches ___ touch’d earthly faces”: Shakespeare
77 Ancient Greek colony
78 Not ‘neath
80 Coffeehouse freebie
83 Anne Geddes subject
84 Bilingual Muppet
85 Parliament heads
87 FEMA national public warning system
90 Union soldiers
91 Reunion attendee
93 Antibiotic similar to bacitracin
94 Adrenaline, informally
95 Macerate, as flax
96 Campus VIPs
97 Kinda
98 Weasel or ferret
100 Relax a bit
102 Bring to life
103 Shampoo descriptor
104 Personal problems
106 Amuse greatly
108 Make an impression on
111 Achilles’ heel
113 It’s literally nothing
115 Fold of skin
118 Lambaste
119 Punic War battleground
121 African flower
122 Secluded spot
123 Cavity detector
Solutions may be emailed to puzzles@actuary.org. In order to make
the solver list, your solutions must be received by August 1, 2025.
Previous Puzzle: You Can Count On It

Solvers: Steve Altschuld, Dean Apps, K Baker, Jared Dashoff, Todd Dashoff, Ken Kudrak, George Levine, Will Lynch, Jim Muza, Ray Niswander, Wendy Windsor, Madhumathi Windon. Apologies to Ken Kudrak, Madhumathi Windon, and Steve Altschuld for accidentally not including them as solvers to the previous puzzle.