Hi everyone
Started even later than usual (not down to events in London -I've been avoiding them), but my daughter came to visit and we needed to compose a letter to her housing association, which took some time.
I started by thinking it was easy as there are so many anagrams, but soon found it much harder and can't parse a couple, including 17ac and 23ac. I can't see the modern art in the latter.
I have an answer to 9d, but am not sure of it. I haven't got many in the NE corner including 11ac and 5ac. I've tried to find the anagram in 11ac with the three first letters, but it eludes me. I also have two options for 20d and have no idea which to opt for. Please can I have some hints for 11ac and 5ac and for the parsing for 20d. I'll worry about the others later.