Borrowers and Lenders

a cryptic puzzle by Emily Cox and Henry Rathvon

After each solution note, the correct form of the clue's altered word is given in square brackets.

Across

  • 1.
    CRAVING: C + RAVING [addiction]
  • 7.
    MINOR: M + IN + OR [lesser]
  • 10.
    HOMELY: HO(M)ELY (anag. + "m") [not]
  • 11.
    CARAMEL: CARAMEL (anag.) [ma]
  • 12.
    CHASM: CHASM (hidden) [as]
  • 13.
    STATE: STA(T)E (anag. + "t") [time
  • 15.
    REINFORCEMENT: REIN + FOR + CEMENT [aid]
  • 16.
    LEANDER: LEAN + DER [man]
  • 18.
    BARTENDER: BAR(e) + TENDER [nice]
  • 19.
    EPSILON: EPSILON (anag.) [loose]
  • 25.
    FLIES: F + LIES [zooms]
  • 26.
    ANTIPARTICLES: ANTIPARTICLES (anag.) [bits]
  • 28.
    CROONER: CRO + ONE + R ("orc" rev.) [Bing]
  • 29.
    WASTE: WASTE (anag.) [as]
  • 30.
    PROVERB: P(ROVER)B [lead]
  • 31.
    DIVA: DIVA(n) [singer]
  • 32.
    DIRGE: DIRG + E ("grid" rev.) [sad]
  • 33.
    LARCHES: LARCHES (anag.) [trees]

Down

  • 1.
    CHORE: C(H)ORE [hard]
  • 2.
    OCEAN: OCEAN (anag.) [marine]
  • 3.
    AMINO: A + M + IN + O [acid]
  • 4.
    CLANDESTINE: CLAN + DESTINE [fate]
  • 5.
    IMMORTALS: IMMORTALS (anag.) [die]
  • 6.
    GAMUT: GA(MU)T [scale]
  • 7.
    MATERNALISTIC: MATERNALISTIC (anag.) [motherig]
  • 8.
    NETS: NETS (double def.) [earns]
  • 9.
    RETARDS: RE(TAR)DS [slows]
  • 14.
    AMEND: AMEND (anag.) [admen]
  • 16.
    LEOPARD: LEOPARD (anag.) [cat]
  • 17.
    COMRADE: CO(MRA)DE ("arm" rev.) [friend]
  • 20.
    PAT: PAT (hidden) [Boone]
  • 21.
    IMPEL: IMP + EL [drive]
  • 22.
    DICER: DICER (anag.) [chopper]
  • 23.
    DELIVER: DE + LIVER [emit]
  • 24.
    MOOR: MOO + R [land's]
  • 27.
    SCADS: S(CAD)S [oodles]