The term 'A Swiss Army Knife Has A Lot Of Them' is referring to the many USES of a Swiss Army Knife. A Swiss Army Knife is a pocket knife that contains multiple tools, such as a blade, screwdriver, can opener, and scissors. It is a popular tool for campers, hikers, and other outdoor enthusiasts due to its versatility and portability. The answer to the crossword puzzle is USES, which is an accurate description of the many functions of a Swiss Army Knife.