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Stuck with the last clue, I maybe wrong with some others to get this one to work out
86d. Down-to-arth (11) letters.
I have...pragmati?a?

Pragmatical.

Thanks for reply Rusty, everytime I put it (Pragmatical) into my wee electronic dictionary, it has been coming up, no words found, only pragmastic, or pragmatically, neither fitted, I will just put down what you suggest, sounds good to me. Thanks again.

It is in Chambers Dictionary, Jinty.
Just checked!

Thanks for your answer and reply.