Hello all.
Dear old gal,sorry to hear you had to spend time in hospital,but glad to hear they're still caring for you,you don't sound like a lady who'll fall at the first hurdle!
Re 21ac I've been trying to put this well for the last few hours,maybe not,but I'll try. It's a word I use,usually regarding persons with a lot of money. Having read Navigators post I looked it up in my dictionary and was surprised not to find it there!
From a person bad at setting clues,the best I can do is....first 4 letters, something you'd keep your gardening tools in,usually in the garden+lots of them.
Hope that helps! Sorry if that no help at all!
P.S Nice to hear from you Wee Jock,hope your keeping well.
Best to all Karenxx