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Wow what a toughie!
The one annoying me the most is 31ac
Be not totally penniless reportedly, after power failure?
5-4-4
Light?

44d
Stop and figure it out? Not at first. 7, beginning with S

Thanks for any help you can give

31 Might Have Been,f ailure. (and you might have some money if you have a bean!)

Might = power
Have been - sounds like Have bean, not totally penniless.


44 Station, stop.

station
anagram : not at 1st

I guess I have 21d wrong.
Settler? That’s why I thought light...
Thanks

Settler is definitely wrong - it's Incomer. It's always good to give the clue, those without a copy can help then.

Thanks Malone
I had worked out the correction by the time I saw your reply, and hadn’t actually expected one. Bonus!