Crossword Genius

Beer with dirt tossed on top is well stupid (4-3)

Ross

I believe the answer is:

dumb-ass

I'm a little stuck... Click here to teach me more about this clue!

'beer with dirt tossed on top is well' is the definition.
I don't know anything about this answer so I cannot judge whether this works.

'stupid' is the wordplay.
I cannot quite see how this works, but
'stupid' could be 'dumb' (similar in meaning) and 'dumb' is located in the answer.
The remaining letters 'ass' is a valid word which might be clued in a way I don't understand.
This explanation may well be incorrect...

Can you help me to learn more?

(Another definition for dumb-ass that I've seen is " Extremely stupid".)

I've seen this clue in The Independent.
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