underwater >> ʌndəˈwɔːtə
Definition: [adjective] situated, occurring, or done beneath the surface of water.
Example: there are underwater volcanoes in the region
Definition: [adjective] submerged; flooded.
Example: the causeway was under water
Definition: [adjective] (of a loan) having a balance that exceeds the current market value of the loan.
Example: an epidemic of underwater mortgages
Definition: [adverb] beneath the surface of water.
Example: the seal spent a lot of time underwater