The term 'PREFIX WITH THERMAL' can be broken down into five separate words, each with a different prefix. ENDO (4 letters) is a prefix meaning 'WITHIN, ' EXO (3 letters) means 'OUTSIDE, ' GEO (3 letters) means 'EARTH, ' ISO (3 letters) means 'EQUAL, ' and HEMA (4 letters) means 'BLOOD.' Finally, LORELEI (7 letters) is a mythical figure from German folklore. Together, these words form the phrase 'WITHIN, OUTSIDE, EARTH, EQUAL, BLOOD, and LORELEI, ' which can be used to describe a variety of situations.