The term 'SMART COMMENTS' can be broken down into two crossword solutions: SASS (4 letters) and OWS (3 letters). SASS stands for 'Situational Awareness and Social Skills', which is a program designed to help people develop their communication skills. OWS stands for 'Organizational Wisdom and Strategy', which is a set of strategies used to help organizations become more successful. Both SASS and OWS are important components of effective communication, and when used together, they can help people make smart comments that are both appropriate and effective.