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My last two Down clues.
31 D. Showing contempt is, according to nature, frightening (6) sn????
(Sniffy, snotty...? )

40 Fairy lost money (3) ???
Sorry to give no letters, but I feel (maybe wrongly) that this is one of those clues where all the words are definitions of the answer.

31 sneery ?

Thanks - I'll try to work that in with the last couple of (thematic) Across answers.

40 maybe Fay (Fairy with lost ir (interest rate=money0

Jazzgirl, thanks again -but if it's 'fay', I'll have
?yy? for an Across answer.

39d sn=according to nature +eery

40 fee = fairy or money (obs.)

P.S. Note, clues without definitions are all across clues; there are no clues that are all definitions!?

Puzzled272, thanks for 'fee'.