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Answer for the clue "Lack of physical or intellectual ability or qualifications ", 12 letters:
incompetency

Word definitions for incompetency in dictionaries

Douglas Harper's Etymology Dictionary Word definitions in Douglas Harper's Etymology Dictionary
1610s; see incompetence .

WordNet Word definitions in WordNet
n. lack of physical or intellectual ability or qualifications [syn: incompetence ] [ant: competence ]

The Collaborative International Dictionary Word definitions in The Collaborative International Dictionary
Incompetence \In*com"pe*tence\, Incompetency \In*com"pe*tency\, n. [Cf. F. incomp['e]tence.] The quality or state of being incompetent; lack of physical, intellectual, or moral ability; lack of qualifications or training (for a particular task); insufficiency; ...

Wiktionary Word definitions in Wiktionary
n. The condition of being incompetent

Usage examples of incompetency.

Central for incompetency, but I have reported Central doctors for being turkeys.

The man who had escorted Roy into the trap was, in truth, a former workman at the Mortlake factory, who had been discharged for incompetency.

His unfailing courage and good sense won fights that the incompetency or cankering jealousy of commanders had lost.

He at first thought that it was the voices of the guns which had made a chilly inside for the man, but when he reflected upon the incompetency, or childish courier's falsity, at Patras and his discernible lack of sense from Agrinion onward, he felt that the fault was elemental in his nature.

He is never more at home than when exposing the incompetency of Neoplatonism, or demonstrating the harmony of Christian doctrine and true philosophy.