The most common and most likely answer to this crossword clue is the 13 letter word SKINNY-DIPPER
S
K
I
N
N
Y
-
D
I
P
P
E
R
More clues leading to the result SKINNY-DIPPER
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The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.