Crossword Genius

Speak off the cuff with tips for disguising loans in The Bank

Ross

I believe the answer is:

ad lib

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'speak off the cuff' is the definition.
(I've seen this before)

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(Other definitions for ad lib that I've seen before include "Leave script" , "with no forethought" , "Speak unprepared" , "Unscripted impromptu remark" , "Speak impromptu, improvise" .)

I've seen this clue in the Irish Times.
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