Beach-dwellers bail Red Cross out (7,5)
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I believe the answer is:
soldier crabs
'beach-dwellers' is the definition.
I know nothing about this answer so I can't tell whether this works.
'bail red cross out' is the wordplay.
'out' indicates an anagram (out can mean wrong or inaccurate).
'bail'+'red'+'cross'='bailredcross'
'bailredcross' with letters rearranged gives 'SOLDIER CRABS'.
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