The term 'A TWIST of Fate' can be broken down into four crossword solutions: TWIST (5 letters), NORN (4 letters), QUIRK (5 letters), and KARMA (5 letters). TWIST refers to an unexpected event or change of circumstances, often with negative consequences. NORN is a Norse goddess of fate who determines the destiny of humans. QUIRK is an odd or peculiar behavior or habit. Finally, KARMA is a concept in Hinduism and Buddhism that suggests that one's actions have consequences, either in this life or the next. Together, these words form the phrase 'A TWIST of Fate, ' which suggests that unexpected events can lead to unexpected outcomes, and that our actions have consequences.