The term 'ONE HARD TO FIND' can be solved by the crossword solution WALDO, which is a five letter word. The term is a reference to the children's book character Waldo, who is known for his difficulty in being found. Waldo is a bespectacled man wearing a red and white striped shirt, blue jeans, and a red and white hat. He is often featured in books, television shows, and video games, where the goal is to find him among a crowd of people.