The term 'IT MAY GET YOU DOWN' can be solved by the five-letter word 'EIDER'. EIDER is a species of sea duck that is found in coastal areas of the Northern Hemisphere. It is known for its thick, insulating feathers which are used to make eiderdown, a type of down insulation used in bedding and clothing. The phrase 'it may get you down' could be referring to the fact that eiderdown is a luxurious material that can be expensive and out of reach for some people.