I was enjoying this one and am almost done, but a hint on the parsing of 4 down and 5 down would be warmly welcomed. 4 down is the bigger worry, as I can't get anything to fit with the other answers around it - but I'm sure they're all correct.
Suzannahj, in 4 the definition is the first word. Small sum is a five-letter word, small change/coins, with a three-letter word (in the clue, once you're removed a letter) inside (divided by).
If anyone is around! I have three empty cells, to achieve a full grid. They are in 25a and 35a. Please help. I suspect 25a changes in endgame but doesn’t help me right now.