I think there have actually been two different (perhaps understandably) "K sub L" minor loss coefficients put forth for a "Cross". One is for "Line flow" and one for "Branch flow" through the cross (where the flow must change direction). Haestad/Bentley's "Advanced Water Distribution Modeling..." reference puts thos coefficients at 0.5 and 0.75 respectively. That being said, if you took the previous advice I don't think you'd be far off from a practical standpoint!