Previous solution

Across: 1. Gaining 5. Moped 8. Opportunities 9. Mar 10. Toboggans 12. Doubts 13. Covers 15. Embodying 16. Ebb 18. Substantiates 20. Dread

21. Reforms.

Down: 1. Gloom 2. Imperturbable 3. Irritated 4. Grubby 5. Moi 6. Private sector 7. Desists 11. Good grief 12. Dressed 14. Winner 17. Basis 19. Tad.