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Well, well! So it's only imagination! (4,5)

Ross

I believe the answer is:

just fancy

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'well well so' is the definition.
I don't know anything about this answer so I can't tell whether this works.

'only imagination' is the wordplay.
'only' becomes 'just' (synonyms).
'imagination' becomes 'fancy' (fancy is a kind of imagination).
'just'+'fancy'='JUST FANCY'

'it's' acts as a link.

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