Agree 8D is a terrific PDM, but I fear you have to be a VERY experienced crossworder to arrive at the answer from the clue alone, so perhaps it's not particularly suited to an Everyman puzzle. I also had to use this site's fill in the blanks to get LOI 13D. And I've never heard of 10A, which made it even less likely that 8D would come to mind without assistance, (Also, 'city' seems a bit of a stretch!) All in all, another tough one for me. (But it did come the morning after a good day at the Guineas, so I'm mostly blaming that!)