The term 'HORSE DESIGNED BY A COMMITTEE' is a metaphor for something that has been created by many people, resulting in a product that is not as good as it could have been. The crossword solution for this term is 'CAMEL', which is an animal that is known for its ability to survive in harsh desert conditions. This is a fitting metaphor for something that has been designed by a committee, as the CAMEL is able to survive and thrive in difficult circumstances.