The term 'HOT, SO TO SPEAK' can be solved by the crossword solutions STOLEN (6 letters), FINE (4 letters), and INDEMAND (8 letters). STOLEN implies that something is taken without permission, usually referring to an item of value. FINE is an adjective meaning of high quality or superior grade. InDemand is an adjective meaning desired or sought after. Together, these three words can be interpreted as something of high quality that is desired and taken without permission, thus making it 'hot, so to speak'.