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More civil work coming back literally, colleague resigns. (7) P???N?R

With little hesitation clots make an upfront payment (4,3) ??M? S?M

I think the second is lump sum but that gives me a letter L for the third letter of the first!

I think POLITER fits the first clue. This fits with L being the third letter, but would make the N wrong. Hope this helps...

Lump Sum for the clots one??

Thanks ...i think if i change overdrawn to overdraft it will all fit nicely!