The term 'Water Lover' can be summed up by the crossword solution of 'Otter'. Otters are semi-aquatic mammals that live in both fresh and salt water habitats. They are known for their playful nature and are often seen sliding down muddy banks, playing with rocks, and chasing each other in the water. Otters have webbed feet and a thick fur coat to help them swim and stay warm in the water. They are also very social animals and live in large family groups.