Complete
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1 8 11 14 18 20 22 2 19 17 10 3 9 4 16 15 5 21 23 6 12 7 13
  1. 1a Gamble (4)
  2. 3a Over-the-top luggage holder? (4,4)
  3. 8a Fixes – TV equipment (4)
  4. 9a What the referee wants to see (4,4)
  5. 11a Attitude to life (10)
  6. 14a Cause annoyance (6)
  7. 15a Repudiate (someone) (6)
  8. 17a The reverse – is hesitant (anag) (10)
  9. 20a Amateurish (8)
  10. 21a Mistral or monsoon? (4)
  11. 22a Heart attack (8)
  12. 23a Principal – advantage (4)
  13. 1d PS, pastor (anag) – means to go abroad? (8)
  14. 2d Substance which promotes growth (8)
  15. 4d Public speaker (6)
  16. 5d Frank (10)
  17. 6d Supportive partner (4)
  18. 7d Find them on a ring, piano or computer (4)
  19. 10d Pastry cook's device (7,3)
  20. 12d Scheme (with others) (8)
  21. 13d Partisan (3-5)
  22. 16d Reflect (6)
  23. 18d Thin, circular shape (4)
  24. 19d How to start a letter? (4)