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Stuck on few
21 across Take things easy on boating lake 4 words 4,2,4,4 think las t word may be oars.
12 a. Ideal male lover using pincer movement to burn vase 2 words 6,8 ??I??? ????????
7d Mongolise another newly found word 9
???????S?
14 d clever comical person had means of payment 2 words 5,4 ?M??? ????

7d neologism

14 smart card

Thanks for that

12 PRINCE CHAR MING

rest on ones oars

12 Prince charming - anag of pincer + char + ming

Thanks to all much appreciated.