The term 'TO BE, TO BALZAC' is a reference to the French novelist Honore de Balzac, who wrote a novel entitled 'Eugenie Grandet' in which the phrase 'To be or not to be' is used. The crossword solution for this term is 'ETRE', which is the French verb for 'to be'. Therefore, the phrase 'TO BE, TO BALZAC' is a play on words, referencing both the famous phrase from Shakespeare's Hamlet and the work of Balzac.