Crossword Genius

Security pass alternative? (10)

Ross

I believe the answer is:

collateral

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'security' is the definition.
(collateral is a kind of security)

'pass alternative?' is the wordplay.
'pass' becomes 'col' (col is a term for a mountain pass).
'alternative?' becomes 'lateral' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'col'+'lateral'='COLLATERAL'

Can you help me to learn more?

(Other definitions for collateral that I've seen before include "Something pledged as security for a loan" , "Security for loan repayment; secondary" , "Aside from the main issue" , "subsidiary" , "damage?" .)

I've seen this clue in The Times and The Sunday Times.
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