The crossword solution for the term 'YOUR UMBRELLA, PERHAPS' is SMILE, which is a five-letter word. The phrase 'your umbrella, perhaps' is a metaphor for something that can protect you from the troubles of life, just like an umbrella can protect you from the rain. The word 'SMILE' is often used to represent a feeling of happiness and contentment, which can be seen as a form of protection from the troubles of life.