The term 'Isn't Settled' can be summarized as a situation that is unresolved or undecided. This term is often used to describe a dispute or disagreement between two parties that has not been resolved. The crossword solution for this term is 'PENDS', which is an abbreviation of the verb 'to pend', meaning to hang or remain undecided. Therefore, the crossword solution 'PENDS' is a succinct way of expressing the idea of something being unresolved or undecided.