CONGENITAL
(a) Compulsory
(b) Dating from birth
(c) Official
(d) Pertaining to commerce

REPRISAL
(a) Surprise
(b) Award
(c) Revision
(d) Retaliation

CELERITY
(a) Grace
(b) Fame
(c) Slipperiness
(d) Speed

QUAGMIRE
(a) Rugged cliff
(b) Lacking in morals
(c) Quizzical
(d) Whirlpool

FRUGAL
(a) Quiet
(b) Economical
(c) Shy
(d) Generous

BANAL
(a) Hostile
(b) Commonplace
(c) Forbidden
(d) Genial

RETICENCE
(a) Modesty
(b) Caution
(c) Cognizance
(d) Tendency to keep silent

PREMONITION
(a) Sadness
(b) Strength
(c) Warning
(d) Advice

EFFRONTERY
(a) Affirmation
(b) Commentary
(c) Rudeness
(d) Compliance

PHLEGMATIC
(a) Thin
(b) Even-tempered
(c) Worldly
(d) Huge

SEMANTIC
(a) Mild-mannered
(b) Pertaining to financial matters
(c) Pertaining to meaning of words
(d) Tenable