The term 'ISN'T SETTLED YET' can BE broken down into two crossword solutions: 'PENDS' (5 letters) and 'REMAINS TO BE SEEN' (15 letters). The term 'PENDS' is a verb meaning TO wait or TO BE in a state of suspension, while the phrase 'REMAINS TO BE SEEN' is an idiom that implies that the outcome of something is uncertain. Together, these two solutions indicate that the situation at hand is unresolved and that the final result is yet TO BE determined.