1  2  3 

1  _  _  _

2  _  _  _

3  _  _  _


ACROSS
1)  a master's degree in business
2)  the month following august and preceding october
3)  the new year in vietnam; observed for three days after the first full moon after january 20th


DOWN
1)  standard time in the 7th time zone west of greenwich, reckoned at the 105th meridian west; used in the mountain states of the united states
2)  any of numerous hairy-bodied insects including social and solitary species
3)  (usually followed by `to') naturally disposed toward

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mba
sep
tet