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How one can learn Times has courage (2,5)

Ross

I believe the answer is:

by heart

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'how one can learn' is the definition.
I can't tell whether this defines the answer.

'times has courage' is the wordplay.
'times' becomes 'by' (both can mean 'multiplied by').
'has' is a charade indicator (letters next to each other).
'courage' becomes 'heart' (heart is a kind of courage).
'by'+'heart'='BY HEART'

Can you help me to learn more?

(Other definitions for by heart that I've seen before include "(Learnt) in memory" , "Committed to memory" , "Thoroughly memorized, word perfect" , "Off pat" , "One way to remember" .)

I've seen this clue in The Times.
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