20ac Throughout = passim I can follow, presumably instant messaging = im but season = pass? As in season ticket? Seems a bit of a stretch.
So far as the Savings Scheme is concerned it can’t be WISAS as 22ac must be right “cheapskate” which gives the first “s”. Other suggestions offered don’t have anything related to West Indies.
Mamya I saw that but to say that the West Indies is south of America as in the US twice over is really convoluted. WISAS would have made sense if the first letter were a W!
I know what you mean but if you check the Wiki Ref too - the Susu is a savings scheme in the Caribbean
, which covers the West Indies reference really.