Crossword Genius

Fan replacing marks with pence to lay down? (9)

Ross

I believe the answer is:

stipulate

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'lay down?' is the definition.
(as in to stipulate or lay down a law)

I can't explain the rest of the clue.

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(Other definitions for stipulate that I've seen before include "Insist on as part of agreement" , "Demand as part of agreement" , "Define, require" , "Specify as an essential part" , "Make a demand" .)

I've seen this clue in The Times.
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