09a Only close up and personal you'll know them for what they are! (10) ??o?a?i?e?
03d What keeps cruciverbalists going leads to completion. (5) ???e?
20a ...owing to the doctor, in short (4) ?e?t. ~ I think this have to do with the previous question in the crossword which is 18a 0-oh...its pain I last out for this recourse...(15) Hospitalisation. so I am thinking the answer may be Cert, short for certification.