under water

1. Being or holding an asset that is worth less than its purchase price or the debt owed on it.

2. Not making enough money to meet financial obligations.

Name	Pronounced	Usage
Gwenfrewi	-	Welsh
Eyal	-	Hebrew
İZzet	-	Turkish
Mesut	-	Turkish
Valentina	vah-len-TEE-nah (Italian), vah-lyen-TEE-nah (Russian), vah-leen-TEE-nah (Russian)	Italian, Russian, Slovene, Croatian, Macedonian, Romanian, Spanish, Ancient Roman
NedİM	-	Turkish