The term 'DIVIDING IT MULTIPLIES BY' can be solved by the crossword solutions AMOEBA (6 letters) and TREBLES (7 letters). AMOEBA is a single-celled organism that moves by changing its shape, while trebles is a musical term referring to three notes sung or played at the same time. Therefore, the phrase 'DIVIDING IT MULTIPLIES BY' could refer to the idea of dividing something into three parts, which would then multiply it.