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27 Down: "Have nothing on when on vacation".

3 letters

I have O ? N

I am relatively confident that the "O" and "N" are correct.

There are not many alternatives.

The best that I have come up with is OON.

OWN (have)
Nothing - O
WheN on vacation gives WN

Have = OWN

O nothing +
W (he) N

Many thanks.

Many thanks.