The term 'has second thoughts' can be summarized by two crossword solutions: 'reconsiders' (11 letters) and 'balks' (5 letters). To 'RECONSIDER' means to think about something again, usually with the intention of changing one's opinion or decision. To 'BALK' means to refuse to do something, often because of a sudden change of mind. Therefore, the phrase 'has second thoughts' implies that someone is reconsidering their opinion or decision, or refusing to do something due to a sudden change of mind.