36d .fool caught by Ripper, a sad tale (4-6) --a-/--r--- 13d. Bob's miserable time? (3.4.3) -a-/ h-i/ day. 28d. "Joint bank lone"- that's spelled wrong, with an e(5,4) --k--/ ---e. Thanks, am new to this crossword mullarkey so they're probably blindingly obvious, but I am finding this crossword rather difficult.