CLM-1

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Across
  1. 5. Cheeky drop in rent (4)
  2. 6. Inmate has it in form of drug (13)
  3. 9. A number of bonds for one’s old age? (8)
  4. 10. Sounds out of your depth here – on that you can count ! (8)
  5. 11. Capital consists of mainly loose change (4)
  6. 16. Establishment of business with another in the country (12)
  7. 17. A fixer in the London suburbs (6)
  8. 18. Cash called for in crash (5)
  9. 21. Part of suit, not VAT returnable (6)
  10. 23. Lied about head not moving a muscle (8)
  11. 25. Its student becomes expert in time(8)
  12. 27. Possesses heroin first, and pot (4)
  13. 28. Plea to be happily employed (10)
  14. 29. Nothing to support emergency call ? That’s not very good (2-2)
  15. 32. Taking money out for retirement ? (10)
  16. 35. A pound added to the share out would be reasonable (8)
  17. 36. Be half sedated, perhaps, in this cot (8)
  18. 37. If investments show it, there’s gratitude (12)
  19. 38. Outgoing CO is not very competent (8)
Down
  1. 1. Training for work in valuation (8)
  2. 2. Skin treatment works (9)
  3. 3. Crop is to get an incorrect forecast (13)
  4. 4. Cause to arose, but aids sleep if upset(9)
  5. 7. I tried to become less slovenly (6)
  6. 8. Always in smart surroundings, being a director (8)
  7. 12. Told to find more work (8)
  8. 13. Woman in taxi is after a possible CLM drug project (8)
  9. 14. Swinging bars ! (8)
  10. 15. Issue ten new lines (5)
  11. 19. Capital A followed by S ? (6)
  12. 20. Study loss involved in securities (7)
  13. 22. Spot doctor at work (4)
  14. 24. Hard working boss has financial liabilities (8)
  15. 26. Companies hard hit (4)
  16. 30. Well organised assistant (7)
  17. 31. Made money initially out of being erudite (6)
  18. 33. Medics hear about the man from Bath(10)
  19. 34. Fastidious individual (10)