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
Hella	HE-lah (German)	Swedish, Norwegian, Danish, German
Ilsa	IL-sah	German
Nicoline	-	French, Dutch
Kristiyan	-	Bulgarian
HellÄ	HEL-la	Finnish
Ayelet	-	Hebrew