What does the cryptic crossword clue "Fine clubs, say, over climbing reptile (5)" mean?

This cryptic clue uses wordplay to arrive at the answer. Visit the page for progressive hints — definition, wordplay type, and a full step-by-step explanation.

Fine clubs, say, over climbing reptile (5)

Times Sunday #5169 | 23 Down | 2025-06-22 flower

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