Across 1 Still includes a number in one's religious doctrines (9) 5 Athletic Tuscan keeping fit (5) 8 Not often gunmen take on bank (6) 9 Remove top of recorder - carries weight being an oriental character (8) 11 Bear right in America (4) 12 Jumper to be altered at the front - pure cloth required (10) 14 With the residue in Tyneside, he wrote "The Unfortunate Traveller" (5) 15 Is nothing reared, for instance - state it could be twinning (7) 16 Classic hero and heroine meet in the afternoon (3,4) 17 It has a fragrance which has been written up in timeless verse (5) 19 Composer introducing a card game to another (10) 20 Just two articles about the novel (4) 22 Malaria - it can spread haphazardly without a man referring to doctors (8) 23 It's a bloomer to back what comes last in Derby (6) 24 Civet with floppy ears seen around the heart of Essex (5) 25 Playful necromancer committing fraud on the way to the country (2,7) Down 1 A large cactus is not to be taken lightly, by the sound of it (6) 2 Trade pleases Ann arranging valued possessions (5,3,7) 3 Bill Sykes's hidden troubles (4)

4 Devious mind troubled about early Victorian way of life (5,7) 5 Detached accommodation in parts of Elephant and Castle? (5,5) 6 Current bank accounts of J. Harris & Co. (5,3,2,1,4) 7 Short report for listeners of good weather (7) 10 Signal to third man - a way to become a lover (12) 13 Outcast and his poor master get the pick (10) 16 Uninspired artform of a fireman in Toulouse (7) 18 By the end of the week, the years are short and they're lusty (6) 21 The start of a journey everyone hates, using a reckless driver (4)