BANKINGREGULATION

CARDINALDIRECTION"A new pope shall be chosen at a conclave," e.g.? EMMELINEPANKHURSTFounder of the Women's Social and Political Union in 1903, with her daughter Christabel RALPHWALDOEMERSONAmerican poet and essayist who led the transcendentalist movement of the mid-19th century PORTNOYSCOMPLAINT1969 novel by Philip Roth WEVEONLYJUSTBEGUN1970 hit single by The Carpenters written by Roger Nichols and Paul Williams IGNORETHETRUTHLIE47A PUTINYOURTWOCENTSOffer advice ... or a hint to 24- and 72-Across BETTERLUXNEXTTIME"I need to install brighter lights later"? LOXSTOCKANDBARRELCommon finds in a salmon smokehouse? CARLMARIAVONWEBERSee 12 STARTINGSOMETHINGIn switching on, is creating trouble for oneself GOINGINTORAPTURESEnthusing GIUSEPPEGARIBALDIItalian patriot and leader of the Risorgimento who conquered Sicily and Naples for the emerging kingdom of Italy in 1860