Utter Folly is a term used to describe an act or decision that is extremely foolish and unwise. It can be described as a combination of IDIOCY and INSANITY, which are both terms used to describe a lack of intelligence or sound judgement. IDIOCY is a six letter word meaning extreme foolishness or stupidity, while INSANITY is an eight letter word meaning a severe mental disorder. Together, these two words accurately describe the concept of utter folly.