Cryptic crossword clue
Urged fiscal reforms: awful 11

The most common and most likely answer to this crossword clue is the 11 letter word DISGRACEFUL

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The cryptic/wordplay part
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This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
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What does DISGRACEFUL mean?

DISGRACEFUL adjective
  1. Bringing or warranting disgrace; shameful.
  2. Giving offense to moral sensibilities and injurious to reputation.

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