something is niggling me about this clue and the answers given - should the answer not be half-seas-oWer? I`m saying this because of the clue to 20 across - Bottle Banker; to which I think the answer is Wessel, not Vessel (there is no River Vessel unless we`re taking the German pronounciation of W as V). W would fit because ower is the Scots alternative to over - just a thought.