Across

1. Both umpires hiding blow (5)

3. Lent back without a French passage (6)

8. Diffi cult experience or transaction (6)

10. I have followed quiet road initially to confess (6)

12. Inexpensive man goes around England (5)

13. Marble, etc. — easy to arrange (4, 3)

14. Has ref messed up once more? (6)

16. Naked relative nearly has a dreadful start (6)

19. Part of chorus has to hurry (4)

20. That woman would naturally lose (4)

21. Ferries manufactured without iron part of step (5)

23. Person that you are (5)

25. Most of 12 out to cause pain (4)

27. Comfortable return of weapons (4)

28. Page missing from short allegorical story suitable for farming (6)

29. Sweet-sounding note you reportedly allowed to go without another (6)

30. Instigates reminders (7)

35. A charge for crossing 5 6 4coral island (5)

36. Lower half schooled in 50% of Reno (6)

37. Big head to turn into talented, showy ornament (6)

38. Bird at beginning of March, first priority — that's to gather silver (6)

39. A number (50) turning back to be in charge (5)

Down

1. Time up holding Long Island flower (5)

2. Patrick takes in the French fold (5)

3. Flog most of the skin eruption (6)

4. Star salmon? (4)

5. Girl, and everyone initially, came up (4)

6. The bulk of the mothership (4)

7. Church to reportedly relieve dairy product (6)

9. Sucker for famous general at church (5)

11. Ten year lemons lose half of woody tissue (5)

14. Part of the heart or the head in middleclass alto (5)

15. Religious man that cooks, we hear (5)

17. Saying advertisement's mature (5)

18. Have part of mind on utopian cake (5)

22. Outskirts of Seattle go without vehicle alarm (5)

24. Open a French philosopher, say (6)

26. Weapon to fail after head start (1, 4)

27. It's true, U.S. developed stitch (6)

31. Nasty setter with a final deception (4)

32. Round 6 under piano (5)

33. Be next to lift instrument (4)

34. A long way down in record after Delaware (4)

35. Let in Timothy and Daniel, nearly going up (5)

Solution