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1. A joint account at the bank needs part of it.[4] ?N?E
2. Returns without having made any deductions.[5.8]?R?E? ????????
3. Ship`s officer about to prepare a book to make one think.M???T???
4. Withdraw a direction to surrender.[6] S?????

1, Knee, in clue.

3, Meditate.

4, Secede.

Gross earnings, if you have an error?

Many thanks rusty.