The term 'swirl of water' can be represented by the crossword solution 'EDDY', which is a four-letter word. An EDDY is a swirling body of water that is created when a current or flow of water is disrupted by an obstacle, such as a rock or other object. Eddies can also form in the ocean and are often seen in rivers and streams. They can be large or small and can move in either direction. Eddies can also form in the atmosphere, creating areas of low pressure.