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28a. insurance scheme with clan could be continental. I have t?n?i?e. A little stymied to say the least.

tontine?

Yes, tontine + clan = continental!

Thank you elle, that was REALLY clever of you,Iwould never have thought of taking the letters of clan away from continental and obtaining tontine, a type of scheme which originated in Vienna or somewhere like that

Also Bernie, many thanks.

I think it's known as a subtractive anagram!

Bernie, that is a good descriptive term. I am now leaving to study and place some wagers on horses, I may find a winner with a tontine contract !!!!!!!!.

Let's hope they're are not subtractive wagers!

Did you win anything?!