What does the cryptic crossword clue "Conclude Panama, say, is not productive (9)" mean?

The definition is "not productive". The wordplay uses a charade (building blocks). INFER (synonym="conclude") + TILE (synonym="panama hat, say") = INFERTILE; definition: "not productive" The answer is INFERTILE.

Conclude Panama, say, is not productive (9)

Times Cryptic #28540 | 14 Down | 2023-03-02 flower

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