CRYPTIC CROSSWORD

Across

1. How to get a cold — but there's a snag (5)

4. Hard to make out in writing how grumpy one was (7)

8. Reduction in insurance premium with club mason is on (2-6,5)

10. Get prepared for the series of coaches (5) 11. Direction to remove starter in banquet (4) 12. Ponder over it being where the sweat breaks out (4)

16. As wide-ranging as life, in person (5) 17. I'd suit invalid like this if he acts with independence (13)

19. They are not suited to their lifestyle (7) 20. Leads out of the valleys in the North (5)

Down

▶

1. With careful thought, a payment may be made (13)

2. Twitch of a muscle observed in sciatica (3)

3. A toast it's good to enjoy if one is well (6)

4. Fighting mob turned when Tom was around (6)

5. Is breaking bail on turning up with a colourless character (6) 6. Marsupial can bid, too, if it's put out (9) 7. It is danger set it out, and it falls to pieces (13)

9. Taken to court when about to use money, was held over (9)

13. Works very hard and manages to put by about a pound (6)

14. Slopes one arranges according to category (6)

15. Recompense one for service when draughtsman turns up (6)

18. It is not well from forty-nine to fifty (3)