Thanks bunty.
I had Munich in mind for 31d.
Did not know FA means nothing.
I guess F is a bad word and A is all?
My 40d must be wrong. I have Bishop (Rev) in reverse over N.
Cannot find Vern. It must be Take Bishop over N giving three letters and R missing?
If 1d has a missing letter, I cannot figure it out.
I have 13 missing letters.
I have 4 in across and 9 in down clues.