The term 'SMART AND CLEVER' can be described by two crossword solutions: SHREWD (6 letters) and WITTY (5 letters). SHREWD is defined as having or showing sharp powers of judgment, while WITTY is defined as having or showing an ability to relate seemingly disparate things so as to create an amusing insight. Both terms imply a certain level of intelligence and cleverness, but SHREWD implies a more practical and logical approach, while WITTY implies a more creative and humorous approach.