Hi, Rusty!
Have you done your crossword?
I am making heavy weather of mine today....is it especially difficult, or is it only I who am finding it so?
I have completed as much as I can, but still have seven clues remaining to be solved.
And have no ideas about any of these!
And I would take issue with the setter over 20d.....
The answer is obviously "borrow"....but "appropriate" does not mean "borrow".......
In that context, it means "steal".....
I am pleased to say that Anne B agrees with me!
Collins gives it as "take for one's own illegally" and Chambers as "take to oneself as one's own; to steal".
On the plus side, however, I did really like 15d: "collateral"!
It was my favourite clue!