1  2  3 

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2  _  _  _

3  _  _  _


ACROSS
1)  informal terms for a difficult situation
2)  a tool with a flat blade attached at right angles to a long handle
3)  the fleshy part of the human body that you sit on


DOWN
1)  the federal agency in the department of housing and urban development that insures residential mortgages
2)  (greek mythology) a maiden seduced by zeus; when hera was about to discover them together zeus turned her into a white heifer
3)  a colorless odorless inert gaseous element occurring in the earth's atmosphere in trace amounts

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fix
hoe
ass