5d Expert runner was first to embrace Learner (7)
1a Fifty in female group in NY community (6)
16a Reason in short supply-argument within becomes hardened (8)???F????...
12a plain area with lots of apartments? (8) -l-t-a-d 28a Demand esteem having changed course and dealt with financial difficulty (4,4,4) -a-e/-n-s/-e-t