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ACROSS
1)  a federally chartered corporation that purchases mortgages
2)  an advantage held by a competitor in a race
3)  (often followed by `for') ardently or excessively desirous
4)  a close friend who accompanies his buddies in their activities


DOWN
1)  any broad thin and limber covering attached at one edge; hangs loose or projects freely
2)  a river in northwestern russia flowing generally west into the gulf of finland
3)  the bags of letters and packages that are transported by the postal service
4)  a condition (mostly in boys) characterized by behavioral and learning disorders

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