The term 'Where the chips are down?' can be answered by two crossword solutions: CASINO (6 letters) and POT (3 letters). A CASINO is a place where people can gamble, usually with chips or money. A POT is a container used to hold chips in a game of poker. In both cases, the chips represent a person's stake in the game. Therefore, the phrase 'Where the chips are down?' can be interpreted as a metaphor for a situation where a person's fate is determined by their own actions.