Irish Times (Simplex) - Jul 20 2012

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Clues Answers
Arrangement for deferred payment CREDIT
Audible exhalation of breath SIGH
Banter, back-chat RAILLERY
Civilised and refined URBANE
Contemporary, up-to-date MODERN
Dependable RELIABLE
Except if UNLESS
Final, extreme ULTIMATE
Generosity in bestowing gifts LARGESSE
Go backwards REVERSE
Greek god of love EROS
Huge destructive waves TSUNAMIS
Hypothetical remedies for all ills NOSTRUMS
Leaf of a conifer NEEDLE
Light wind BREEZE
Looking fixedly STARING
Clues Answers
Merged as one UNITED
Midwestern US state and river OHIO
National song ANTHEM
Notion, thought IDEA
Official representing a country abroad DIPLOMAT
Prediction, about the weather perhaps FORECAST
Refuting argument REBUTTAL
Repeat ITERATE
Representations or reflections IMAGES
Restore to good condition REPAIR
Right or appropriate SUITABLE
Squirmed. twisted WRITHED
Stitching SEWING
They're found on fish SCALES
Tiny or trivial details MINUTIAE
Unit of the army REGIMENT