Borrowers and Lenders

a cryptic puzzle by Emily Cox and Henry Rathvon

Solution
Each diagram entry borrows one letter from its clue or lends one letter to its clue. For example, if an answer were STEW and its clue were "Wild West dish" (anagram), the answer might borrow an S from its clue (leaving the clue to read "Wild wet dish"), with the diagram entry becoming SSTEW, STSEN, STESW, or STEWS, or STEW might lend an E to its clue (making the clue read "Wield West dish"), with the diagram entry becoming STW: Half the diagram entries (18) are borrowers and half are lenders. Clue answers include three proper nouns.

Across

  • 1.
    After 100, irrational addition sign
  • 7.
    Loesser musical's beginning in Oregon
  • 10.
    Note pretty Dotty Hoyle embracing male
  • 11.
    Nuts mar clear candy
  • 12.
    Middle of bench has mild crack
  • 13.
    Spilled teas covering tie, say
  • 15.
    Amid check for mortar
  • 16.
    Hero's mean, lean German article
  • 18.
    Almost naked, niece gets tavern job
  • 19.
    On piles, lose letter
  • 25.
    Head of France relaxes in zoos
  • 26.
    Scattered, partial insect bites
  • 28.
    Bring, for example, whale back to one river
  • 29.
    Desert was wet, strangely
  • 30.
    Plead about wanderer's wise expression
  • 31.
    Singe most of sofa
  • 32.
    Said song is grating when rendered backwards by error
  • 33.
    Tres grotesque, Charles

Down

  • 1.
    Heard task is hot in middle
  • 2.
    Maine environment can produce a cone
  • 3.
    Sort of aid for a woman's heart in love
  • 4.
    Family fat kept secret
  • 5.
    "Slim-O-Tram" exercises for people who never diet
  • 6.
    Greek character interrupts gangster's gun sale
  • 7.
    State criminal weirdly given to smothering
  • 8.
    New Jersey basketball players' ears
  • 9.
    Salt fed to Communist's sows
  • 14.
    Sick madmen improve
  • 16.
    Ape lord shot at
  • 17.
    Fiend's secret writing about weapon recoiling
  • 20.
    Bone, for one, held by osteopath
  • 21.
    Rascal on train makes dive
  • 22.
    Copper cried out
  • 23.
    Remit half of debt on organ
  • 24.
    Scottish lad's low resistance
  • 27.
    Aboard ship, villain doodles