As with shay/chay last month, 27 across has two equally valid answers, depending on which of the two ways you interpret "services". The dumbing-down is surely complete when random chance is introduced into what is supposed to be an intellectual pursuit. I'd stop taking this rag if I hadn't paid for a life-time subscription! (Actually, I find the occasional financial or pension item useful, but the whole thing's a sorry vestige of what it was before Emma Soames.)