20a He needs a different grade for capital cover (8) H - - - - a -
16a Setting the bait for half an hour with fish around (6) L - - - n -
18a Its bound to be one in four (4, 4 ) - e - p - e - r
17d Does he keep his accounts in a scrap-book? (6) - - - - a -
21d Sounds like a meadow on the sheltered side (4) - - e -