The term 'THAT LADY'S' can be broken down into two words, 'THAT' and 'LADY's'. The crossword solutions for these two words are HER and HERS. HER is a three-letter pronoun used to refer to a female person or animal. It is the objective case of the pronoun 'SHE'. HERS is a four-letter possessive pronoun used to refer to something THAT belongs to a female person or animal. It is the possessive form of the pronoun 'SHE'. Together, the two words form the phrase 'THAT LADY's', which is used to refer to something THAT belongs to a specific female person.