Puzzle 4

Nuggets of wisdom; oyster gems.

Soft fabric sheets for drying yourself.

Rubs out pencil marks.

Hillsides down which skiers travel.

Changes, makes different.

Tiddlywinks are this shape.

Small, like Red Riding Hood.

Fantasy fire-breathing reptile.

Found to be legally at fault.

Facial openings, with teeth inside.

__ money, small sum given regularly to children.

World's largest desert.

Put money into an account or an enterprise.