3  Hail European standard bearer (8)

 8  Being in arrears? Don't start complaining (7)

10 Warning! Stormy later! (5)

11 Tidy, as a monk would hope to be (2,4,5)

13 Agreement to deal with yourself to begin with (6)

15 Bowler loses head in London suburb (6)

17 "The Three Greatest Victories" - just 15 shillings (6,5)

20 Treasure in desert rover uncovered (5)

21 Northern climb not yet developed (7)

22 Figure of speech encountered by a square on the phone (8)

23 I've been known to return to hide a joint (4)

 1  Ruby apt to celebrate this anniversary (8)

 2  Throw away David's weapon (5)

 4  Body of men, say, eaten by fierce beast (6)

 5  Since garden developed, young relations may appear (5-6)

 6  Two cricket terms exceed schedule (7)

 7  Newts Emily fails to see at first (4)

 9  Wife, pouting: "I've changed. I'll persevere!" (1,4,4,2)

12 True bent (that's bent) for dark lady (8)

14 Erodes seat? (4,3)

16 Have an idea - don't restock the garden (4,2)

18 No ace could be Indian (5)

19 What Rutherford split - a cat? (4)