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don't be silly Terry - beard won't fit with the other letters that I didn't post.

Oh bugger.

Was not being dense I can see your reasoning, just going the easy route LOL

Well,I think it is trevor's own fault. Surely he knows by now that he should say how many letters and give us the ones he already has. Think I'll have a hissy fit.

MAMYA!!!
Have you been knitting marijuana again?

Could also be DEBRA.

(Name of my former PA and more likely to be the correct answer as she was a lazy loaf!)

PHILIP

Well, my Mother has a bus pass AND a beard (more of a 'tash really).
I think that ticks all the boxes.
Sorry - what was the question?

I'VE GOT IT. knead.

Thought I'd like to put things to right here. The clue to 9d which leads to pensioner is indicated in an introduction by the crossword setter, Tim Moorey. The puzzle has a hidden solution within the top and bottom rows; once solved there are shaded squares to substitute further letters. A clever crossword to have a go at. Of course my thread already had clues that were answered on Friday/ Saturday by trevor.

Thank you wombat,terry,mamya,philip - knead it is then(I love teamwork). I will send this little baby off with pride.