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12 across and down and 8 down

I have sloop, sitting room and framed but cant see the parsing

12 across Lounge? It isn't awfully clean (7,4) sitting room

12 down Ladies, for instance, board spanish vessel
sloop

and 8 down US bank accepts stuff like painting
framed

"it isn't" anagram + GROOM

LOO in SP for "Spanish"

FED around RAM