Really fancy fleece secured by tenner bills on the counter? (3,4,5,2)

'really fancy' is the definition.
I don't know anything about this answer so I can't tell whether it can be defined by this definition.

'fleece secured by tenner bills on the counter?' is the wordplay.
'fleece' becomes 'shear' (synonyms).
'secured by' indicates putting letters inside (inserted letters are held or secured).
'tenner' becomes 'note' (ten pound banknote).
'bills' becomes 'notes' ('note' can be a synonym of 'bill').
'on the counter?' says the letters should be written in reverse (counter can mean in the opposite direction).
'note'+'notes'='notenotes'
'notenotes' written backwards gives 'setoneton'.
'shear' going inside 'setoneton' is 'SET ONES HEART ON'.

Can you help me to learn more?