What does the cryptic crossword clue "Has amphibians adopting relatively recent settlements (8)" 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.

Has amphibians adopting relatively recent settlements (8)

Independent Cryptic #12240 | 16 Down | 2025-12-31 flower

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