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The Big One.
36d) small garden birds (8) s?a?r?l? (Not sure if my letters are correct. Tried various sites.
95a) ability to pay all debts (8) ?????m??
98a) without a levy, free of charge (7) ?n?????
112a) precisely and clearly stated (8) ??n?i???
I have a few more "down" but these answers may solve them

36 sparrows

98 untaxed?

95 A; solvency if your 'm' is wrong?

112 tangible

112a; explicit ? if the 'n' is incorrect

95 economic?

Thank you so much Rossim and Elle, yes you were both right with my wrong letters, and 'explicit' was the right word! With these corrections managed to finish the "down"clues. You both are good at your 'job'. Hope you had a great xmas, and if I'm not in touch next Tuesday have a great new year, whatever you do ANNxx

Hope you had a good day,too,Ann. All the best for 2016!

And from me too. x