The term 'heart-to-hearts, say' can be solved by the five letter word 'CHATS'. A heart-to-heart is a conversation between two people in which they discuss their feelings and thoughts openly and honestly. It is often used to describe an intimate conversation between two people who are close to each other, such as friends or family members. CHATS are conversations that take place over the internet or other digital mediums. They can be used to communicate with people from all over the world, and can be used to have heart-to-hearts with people who are far away.