It has been about three months, maybe more, since I failed to complete the puzzle correctly --- so I guss I was due. I did not know LEMMA (which I should have) or what crossed it, IMS. What are IMS? Dull ending?
ARD [I'd go with "dull finish"]Business issue since 1917
FORBES [I was thinking unions, etc.] Bargain hunters' mecca
TAG SALE [a mecca is a place; a sale is an event at a place]