13 across
Extravagantly
ornate
vessel
loaded
with
cargo
at
the
back
(7)
Extravagantly ornate vessel loaded with cargo at the back (7)
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The definition is at the beginning of the clue.
How the clue works
The Extravagantly ornate definition points to BAROQUE. Take BARQUE (a sailing vessel) and load it with O, the last letter of "cargO" (indicated by "at the back"), slipping the O inside to give BAR-O-QUE.