Crossword Clue:

to form in the mind

AnswerCrossword Clue
EMAILField added to the I.R.S.'s Form 1040 in 2019
ORALLike instructions you have to hold in your mind
PONZISchemer called to mind by the Madoff swindle
OHIOThe Allegheny and Monongahela join to form it
UPNIt merged with the WB to form the CW
WITA pun is said to be the lowest form of this
CANDYCANEChristmas tree decoration ... or a hint to what the circled letters form