The term 'SET OF MORAL VALUES' can be summarized as a set of principles or standards that guide an individual's behavior. The crossword solution for this term is ETHIC, which is derived from the Greek word 'ETHOS, ' meaning 'CHARACTER.' ETHIC is defined as a system of moral principles or values that govern the conduct of an individual or group. It is often used to refer to the moral code of a particular culture, religion, or philosophy.