Etymology
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underwater (adj.)

1620s, from under + water (n.1). Of mortgages from 2008.

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Definitions of underwater

underwater (adj.)
beneath the surface of the water;
Synonyms: submerged / submersed
underwater (adj.)
growing or remaining under water;
Synonyms: subaqueous / subaquatic / submerged / submersed
From wordnet.princeton.edu