3. This one is not a clerical type (8) 5. Material carrier (8 7. Generous (7) 10. Money in here? (8) 12. Bow down - behold - a rug!! (8) 15. A scottish river surrounds a belfry resident (6) 16. Roayl homily (6,6) 18. Hard work (6) 19. Policy (9) 20. An orphan sardine holds it (7)