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ACROSS
1)  a condensed but memorable saying embodying some important fact of experience that is taken as true by many people
2)  the chief solid component of mammalian urine; synthesized from ammonia and carbon dioxide and used as fertilizer and in animal feed and in plastics
3)  armor plate that protects the chest; the front part of a cuirass
4)  a prominent rock or pile of rocks on a hill


DOWN
1)  hard fat around the kidneys and loins in beef and sheep
2)  formerly a large constellation in the southern hemisphere between canis major and the southern cross; now divided into carina and pyxis and puppis and vela
3)  a low dam built across a stream to raise its level or divert its flow
4)  an impudent or insolent rejoinder

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