Tough Cryptogram!

[boncher]

Not sure if this is the best place for it, but don't know where else.

It's a common phrase, what is the last word?

Good luck, post answers (and method) in white.

The question is from the Test for Exceptional Intelligence:
http://www.highiqsociety.org/noflash...rs/iqtests.htm

They ask that in order to maintain the integrity of the test, answers are not posted on any public forum