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English definition of “if/when it comes to the crunch”

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if/when it comes to the crunch

if/when a situation becomes serious or you have to make an important decision: When it came to the crunch, I was too nervous to ask her for a date.Decisions and decidingTurning points and deciding moments
(Definition of if/when it comes to the crunch from the Cambridge Learners Dictionary © Cambridge University Press)
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