The term 'REF'S DECISION' is a phrase used in sports to refer to the decision made by the referee. The two crossword solutions for this term are 'CALL' (4 letters) and 'TKO' (3 letters). 'CALL' is a term used to describe the action of the referee when they make a decision, while 'TKO' stands for 'technical knockout', which is a type of win in boxing or other combat sports where the referee stops the fight due to one of the fighters being unable to continue.