The crossword solutions for the term 'SIR OR MADAM' are 'DEAR' and 'TITLE'. The term 'SIR OR MADAM' is a polite form of address used when the gender of the person being addressed is unknown. It is commonly used in formal letters and emails, as well as in customer service settings. The term 'DEAR' is an informal salutation used to address someone, while the term 'TITLE' refers to a form of honorific or rank given to someone.