Crossword Genius

Rascal's loot including phone and money, ultimately (9)

Ross

I believe the answer is:

scallywag

'rascal's' is the definition.
(synonyms)

'loot including phone and money ultimately' is the wordplay.
'loot' becomes 'swag' (synonyms).
'including' is an insertion indicator.
'phone' becomes 'call' (synonyms).
'and' means one lot of letters go next to another.
'ultimately' suggests the final letters.
The last letter of 'money' is 'y'.
'call'+'y'='cally'
'swag' enclosing 'cally' is 'SCALLYWAG'.

(Other definitions for scallywag that I've seen before include "A slangy rascal" , "Rogue" , "Mischievous person" , "Delinquent" , "Good-for-nothing - undersized animal" .)

I've seen this clue in The Times.
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