What’s carried by ship is scary — discarded loot (10)
I believe the answer is:
schillings
'what's carried' is the definition.
I can't tell whether this definition defines the answer.
'ship is scary discarded loot' is the wordplay.
I cannot really understand how this works, but
'scary' could be 'chilling' (synonyms) and 'chilling' is located in the answer.
'ship' could be 'ss' (prefix in ship names eg SS Great Britain) and 'ss' is found within the remaining letters.
No letters remain.
This explanation may well be incorrect...
'by' acts as a link.
Can you help me to learn more?
I've seen this clue in The Times.
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