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Shoal
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Natural submerged sandbank that rises from a body of water to near the surface

In oceanography, geomorphology, and geoscience, a shoal is a natural submerged ridge, bank, or bar that consists of, or is covered by, sand or other unconsolidated material, and rises from the bed of a body of water close to the surface or above it, which poses a danger to navigation. Shoals are also known as sandbanks, sandbars, gravelbars, or...