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Can anyone answer ?
"tu es" French for "you are"
art (poetical word for are)

Yes, I could have answered Cerasus!

Hi, Rusty!
Goodness, I have had to do a lot of looking up today!
BACS stands for "Bankers Automated Clearing Services!!
I had never heard of that!
"Nore" is a sandbank at the mouth of the Thames estuary; there was a mutiny there in May 1797.
Now 21d.........
As I see it..."art" refers to "are".
You art /are = tu es, in French
So French art is "es"?
Now I need help , please , with parsing 13d.
I have "apartments" for "rooms" (def)
art men - male painters
apt - suitable
But the "s"?
Where does "quarter" fit in?
Could "S" be a dollar sign?
But even then, I don't get it?

Thank you, all, for the French "es".
It is something else I learned!
Elle, "S" is the quarter. South on a compass.
Have a look in your Chambers.
It should have quarters as regards compass pints.
Thank you again, Cerasus and Pigale!

Hello, again, Elle!
I see BACS regularly on my bank statement
But, I did not know the meaning.
But it confirmed "scab" for me.
I had not heard of Nore.
Quite a good puzzle tpday!

Hello Elle and Rusty!

A strange week without Le Tour! Withdrawal symptoms?
Still, not too long to La Vuelta; I need to look at the route
in detail, but they seem to be riding along the Pyrenees?
Quite a few mountainous stages?

Are you missing Wimbledon Elle?

Weather dull here too.

Hi, Rusty!
Yes, the 15 x 15 wasn't too bad once I got going!
I got on a roll once I had passed a difficult bit!
I am stuck though, now, on parsing one in the QC........
I know you do not do this puzzle , so will give you the clue......
1D: Contracts minor illness and has financial difficulties (7,1, 4)
I have "catches a cold" ?
But apart from the obvious "minor illness" definition, I cannot explain the remainder of the clue?
What do "financial difficulties" have to do with it?

Hello, Pigale!
Nice to hear from you!
I have not seen the route for La Vuelta yet.
I hope there are plenty mountainous stages in it!
The Clasica San Sebastian is on this Saturday.
Hope it is good!

Elle, 'catch cold (at) ' is in our old friend, Chambers - to suffer a financial or other misfortune (as a result of making an unwise investment, etc)'.

Hello, Pigale!
Sorry, your post to us crossed with mine to Rusty!
"Traffic" on the forum is suddenly busy!
Yes, I feel bereft without my tennis!
And Wimbledon is my favourite tournament!
But not long now till the Athletics World Championships!
I am looking forward to that!
How is your mobility progressing?