Cryptoquip Answer for 01/31/2020

UTPG DYKTG XAF VFN P JMIQAC UTA YQ GTM LMIX NMQG PG QMGGHYCK VMNGQ? GTM DAQG LPHFPNHM JPXMI.

TODAY’S CLUE: F = U

 

 

 

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Image courtesy of Google

ANSWER:  WHAT MIGHT YOU DUB A PERSON WHO IS THE VERY BEST AT SETTLING DEBTS?  THE MOST VALUABLE PAYER.