The term 'SAINT TOPPER' is a combination of two words, 'SAINT' and 'TOPPER'. SAINT is a title given to someone who is considered to be holy or virtuous, while TOPPER is a person or thing that is at the top or highest level. Therefore, the term SAINT TOPPER can be used to describe someone who is at the highest level of holiness or virtue. The crossword solution for this term is 'HALO', which is a symbol of holiness or divine light that is often seen in religious art and literature.