What January 1 brings for many people and a hint to the first letters of 20- 28- and 47-Across crossword clue

We have solved What January 1 brings for many people and a hint to the first letters of 20- 28- and 47-Across crossword clue. Actually the Universal crossword can get quite challenging due to the enormous amount of possible words and terms that are out there and one clue can even fit to multiple words. …

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