23 across - snowman - the letters from 'downpayments' minus the letters from 'typed', then re-arrange
66 across - parcel - the answer to 40 across is caper, add L for fifty and re-arrange
23 across - snowman - the letters from 'downpayments' minus the letters from 'typed', then re-arrange
66 across - parcel - the answer to 40 across is caper, add L for fifty and re-arrange