20 down
Benefits
paid
for
by
cutting
public
transport
(7)
Benefits paid for by cutting public transport (7)
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How the clue works
Look at Benefits as the definition, meaning those little extra perks or payments. The wordplay has "paid for by" giving you ON (as in "the drinks are on me"), and that gets cut into BUSES (public transport) right after the B, so ON slots in to leave B-ON-USES.