Thanks to Brummie. I enjoyed this, lots of good clues.
Was moving along quickly but stalled out on (14, 15, 22), so solving time wound up very near Prize norm.
FOI 1d, LOI 14.
COD has to be 19. Other contenders 26, 25, 5, 15, 7, 23, 2, 9, 16 and 12, indicating a solid puzzle.
Yes, I groaned at 20 and found it a bit weak. 27 and 28 I only guessed from crossers: am familiar with 27 but 28 a new usage for me. 3 is a usage I only learned in a recent contest (probably PR or WPR) thread.