The term 'REFINED BLOKE' is a combination of two words, 'REFINED' and 'BLOKE'. REFINED is an adjective that means having a high degree of refinement or elegance, while BLOKE is a British slang term for a man. Together, the term 'REFINED BLOKE' refers to a man who is sophisticated and well-mannered. The crossword solutions for this term are GENT, which is a shortened form of the word gentleman. A gentleman is a man who is courteous, polite, and well-mannered. Therefore, the term 'REFINED BLOKE' can be used to describe a man who is both REFINED and a gentleman.