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Im struggling with the top part of todays crossword. Cannot get 1a. Can anyone help please?
Big business retaining shy, engaging, penny-pinching man (7,7)
h---i-- / ---p-n-

Wondered if it was holding company but could see why

It is holding company but I do not know why.

Yes that's correct - coy around man and p

COY, MAN AND P FOR PENNY

many thanks. I can see why now.

just 2 to go
13a Conditions when I never take risks -Yuletide primarily ??N?R? (6)
4d Bitter dispute arising over land borders? And how! ?O??? / ??r (5,3)

Wondered if 13a was venery but that would leave v?r - I don't think so.

I've put wintry and world war

Thanks Jazz - you are correct, Ive worked out why now!