Thanks Jono and Chrise
I finally worked out why my answer for 16d was correct and finally got 8d (Doh!!) Chrise, thanks for where the the bank came from for 21ac. Jono I had thought of different card players for 24ac. The only one I really can't see despite the earlier hint about it is 12ac. I can fit any of six words in to this 5 letter answer and cannot see why any of them would be right. So I'm just going to guess at one of them.
Chrise, I only have a small garden, but I still need to cut lots back. Much of it can wait until Spring. I also need to take the last of the tomatoes, aubergines and cucumbers out of the green house and put it to bed for winter so I can put my tender plants in. Once the greenhouse is sorted (usually the last week in October), I shall retire for winter. No digging for me.