The term 'rolls the dice, say' can be solved by the crossword solution MOVES, which is a five-letter word. This phrase is often used to describe a situation in which someone takes a risk or chance on something, usually with uncertain outcomes. It is derived from the game of dice, where players roll the dice and then make a decision based on the outcome. The phrase is often used in everyday life to refer to taking risks or chances, such as when making an investment or starting a new business.