The term 'HEM' in this crossword puzzle is a verb meaning to surround or encircle. It is derived from the Old English word 'hemman, ' which means to enclose or protect. The term is often used to describe the act of sewing a garment, as the HEM of a dress or shirt is the edge that is folded over and sewn to prevent fraying. It can also be used to refer to the edge of a fabric or material, such as the HEM of a curtain or tablecloth.