The term 'Average Fellow' can be broken down into three crossword solutions: DOW, JOE, and SHMO. DOW stands for 'down-to-earth, ' which is an adjective used to describe someone who is sensible and practical. JOE is short for 'ordinary JOE, ' which is a phrase used to refer to a typical, average person. Finally, SHMO is an informal term for a foolish or stupid person. Therefore, the term 'Average Fellow' can be used to describe someone who is sensible, ordinary, and not foolish.