The term 'STOPS shilly-shallying' can be broken down into two words: 'STOPS' and 'shilly-shallying'. The word 'STOPS' is a verb meaning to cease or discontinue an action. The phrase 'shilly-shallying' is an idiom that means to hesitate or procrastinate. Therefore, the term 'STOPS shilly-shallying' means to cease procrastinating and take action. The crossword solution for this term is 'OPTS', which is a verb meaning to choose or select. Thus, the crossword solution 'OPTS' for the term 'STOPS shilly-shallying' means to choose to take action instead of procrastinating.