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Have come back to this last one again - want to complete before bed....
12ac: Got ring? Badly in debt again, at first (8)
Have I made some errors somewhere? I have O?T?I?E?

Any help appreciated.

Obtained -Got


Anag - In Debt + O (ring) + A (again at first)

Oh! Of course it is. I got fixated on it beginning OUT....

Thanks again for rescuing me, Mamya. I can hopefully get some sleep now.

Night night.