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noun
a submerged bank of sand near a shore or in a river; can be exposed at low tide
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shoal
a sandbank in a stretch of water that is visible at low tide
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shelfy
full of submerged reefs or sandbanks or shoals
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shoaly
full of submerged reefs or sandbanks or shoals
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reefy
full of submerged reefs or sandbanks or shoals
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shelvy
full of submerged reefs or sandbanks or shoals