What does the cryptic crossword clue "Cold-blooded type, foreign character divides churchless environment (9)" mean?

The definition is "Cold-blooded type". The wordplay uses a container (one word inside another). PHI (synonym="foreign character") in AMBIAN (synonym="AMBIAN") = AMPHIBIAN; definition: "Cold-blooded type," The answer is AMPHIBIAN.

Cold-blooded type, foreign character divides churchless environment (9)

Times Cryptic #28931 | 7 Down | 2024-05-31 flower

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