3d. 8 letters. railroad speculator has to meditate no end. H-l-d-z-. 13a. 9 letters. piece of geometry teacher covered a month earlier. E-----g-n. 6d. 2 words. 2.4. united keep clubs on the spot. A- ----. 11a. 5 letters. branch is more friendly when head leaves. --i-r.