What does the cryptic crossword clue "Girl being smart a liability, reportedly (10)" mean?

The definition is "Girl". The wordplay uses a homophone (sounds like). sounds like BURN(smart) and A DEBT(a liability) The answer is BERNADETTE.

Girl being smart a liability, reportedly (10)

Times Cryptic #28888 | 25 Across | 2024-04-11 flower