【正文】 And what happened? She had to drop out of university, 結(jié)果怎樣呢？結(jié)果是：她不得不退學(xué)。This was a delightful kid who had great restrain with her spending and was economical about her lifestyle. She didn’t go on spending sprees buying new shoes,and she didn’t use her credit card as if(unlike me) it was a fashion had to drop out of university. 凱麗是個(gè)討人喜歡的孩子，消費(fèi)節(jié)制有度，生活節(jié)儉?？?是，貸款公司檢查她的銀行信用時(shí)發(fā)現(xiàn)了她的信用卡債務(wù)。 Things then went from bad to few months into her final year,the bank notified her that it was going to reduce her overdraft from $1500 to told her to apply for a student loan to cover the when the loan pany did a credit check,they discovered the card debt.事情越來(lái)越糟。所以她不僅 欠銀行手續(xù)費(fèi)，而且還欠信用卡的債務(wù)及利息。由于她是學(xué)生，又因?yàn)樗苌偈褂眯庞每ǎ匀凰男庞妙~度 就比較低。但他們沒(méi)有告訴她，每月 支付 30英鎊并不是償清欠款，而是支付超額支出的巨額利息。通過(guò)書(shū)信同 銀行交涉的時(shí)間相當(dāng)長(zhǎng)，未能即時(shí)訪問(wèn)帳戶資金使得她欠了銀行的債，欠 款額超過(guò)了透支額度（1500英鎊）200多英鎊。我一個(gè)朋友的女兒凱麗在大學(xué)攻讀現(xiàn)代語(yǔ)言， 其中有一年要到國(guó)外交流。 她的銀行！我才不相信他們！他們甚至比我更清楚她一貧如洗?！盇fter I’d hauled her back into the house, it transpired that her bank had written to her offering a credit card at a low interest for a trial threemonth period,subject to suitability... And so bank! I trusted them! They know even better than I do how broke she is.我費(fèi)了好大勁兒才把她從外面拽了回來(lái)?！?“What is it,darling? Tell me everything.”“親愛(ài)的，什么事?。慷颊f(shuō)出來(lái)讓我聽(tīng)聽(tīng)。她穿的衣 服是從當(dāng)?shù)氐拇壬贫值曩I(mǎi)來(lái)的，平時(shí)很少出門(mén)。她在讀大一第二學(xué)期。這樣他們才有機(jī)會(huì)收取更多的利息， 掙更多的錢(qián)，這就是他們的經(jīng)營(yíng)之道。When I had recovered from the shock,which took several seconds,I asked why. It appears that because I pay my credit card bill both on time and in full,I’m not the kind of person that they want to have their gold credit target people who are prone to impulsebuying,and potentially bad credit risks,tempted to spend more than they have, and liable to fall behind with they can charge them more interest,and earn more ’s the way they do business. 過(guò)了幾秒鐘，我才從這個(gè)打擊中回過(guò)神來(lái)，我問(wèn)為什么。 So I applied for the most distinctive,shiny golden card the pany offered.于是，我去信用卡公司申請(qǐng)最特別、最耀眼的金卡。但就在當(dāng)時(shí)當(dāng)?shù)匚彝蝗环浅＜刀?那位朋友，我決定不要藍(lán)色信用卡了，我要一張金卡。所以我認(rèn)為我的信用等級(jí) 應(yīng)該很高。我是通過(guò)按揭貸款買(mǎi)的房子，可那會(huì)兒誰(shuí) 買(mǎi)房不貸款呢？我每個(gè)月底都付清信用卡欠款。然后就輪到她付款了，整個(gè)交易進(jìn)行得和我的一樣順利， 但我的高興勁兒很快就變成了莫大的羞恥：我的信用卡太寒酸了，是不顯示身份地位的黑藍(lán)色，而她的信用卡則是高級(jí)的金卡。幾年前，我排隊(duì)為家人取戲票時(shí)，我的朋友也在 為她的家人取票。影響力最大的當(dāng)屬 19世紀(jì)加利福尼亞州的一個(gè)服裝制 造商以及 1960年代工作在“搖擺倫敦”的一位年輕的時(shí)裝設(shè)計(jì)師。During the whole period,fashion styles have ranged widely,and have usually been sparked off by a desire to identify people as belonging to a particular the constant factors over this period are denim and hemlines and the greatest influences have been a 19thcentury Californian clothes manufacturer and a young designer in the Swinging London of the 1960s. 在整個(gè)這段時(shí)期內(nèi)，時(shí)裝的風(fēng)格多種多樣，它們的誕生往往起因于人 們希望歸屬于某種亞文化、與之認(rèn)同的愿望。果然，2008年秋 天金融危機(jī)襲擊美歐，波及全球，股指急劇下跌。有人覺(jué)得這 表明裙擺標(biāo)志靠不住了， 要不就是服裝設(shè)計(jì)師已經(jīng)喪失了對(duì)時(shí)裝的主宰權(quán)。Sometimes the hemline indicator,as it’s called,can even precede and predict a change in the mood of the stock market long before it actually September 2007,at the New York fashion shows,which were displaying their styles for spring 2008,the trend was for much longer dresses and skirts,many to midcalf or even down to the people felt this showed that the hemline indicator was no longer reliable,and that designers no longer dictated what people would wear. During the London and New York fashion shows in September 2008,hemlines continued to sure enough,in the fall of stock market indexes fell dramatically when the banking crisis hit the US,Europe and then the rest of the world .Hemlines were no longer following the stock market they were showing the way and indicating future economic trends. 有時(shí)候，所謂的裙擺標(biāo)志甚至能夠在事情發(fā)生之前早早地預(yù)告股票牛 市和熊市的更替。緊身牛仔褲在英國(guó)及歐洲大部分 地區(qū)很流行。伯斯士及莫斯奇諾剪裁、銷售。 名牌牛仔褲享有很高的知名度，用傳統(tǒng)的粗斜紋布制作，可能還加了點(diǎn)萊 卡。 但僅僅過(guò)了一年，股市開(kāi)始復(fù)蘇，超短迷你裙又回來(lái)了，裙擺比 ”多年以來(lái)的都要高。Then in January 2000 the New York technology stock market usual, so did hemlines,which were described by one mentator as “the prim and proper look is should be below the knee.”But merely one year later,the stock market began to recover,and the micro miniskirt were higher than they had been for many years. 2000年 1月紐約的科技股市崩盤(pán)。帽衫、 棒球帽及松垮型牛仔褲在街上隨處可見(jiàn)。靴子、匡威或耐克運(yùn)動(dòng)鞋都很流行，但是流行顏色變成了橄欖綠和米 灰色。施特勞斯最初所設(shè)想的那種 牛仔褲。 勞 倫和布魯克斯兄弟品牌的經(jīng)典服裝，衣領(lǐng)帶紐扣的襯衫、斜紋棉布褲、平 底便鞋，脖子上隨意系著一件毛衣。Gradually hemlines started to rise again ... Until the world stock market crash in 1987,So the late 1980s in the US saw the rise of the more conservative style called Preppy style,with classic clothes by Ralph Lauren and Brooks Brothers for men, buttondown shirts,chinos and loafers,with a sweater tied loosely around the also wore jeans,but either brandnew or clean and smartly pressed not at all what Levi Strauss originally intended. 在 1987年全球股市崩盤(pán)之前，裙擺也開(kāi)始逐漸地上升起來(lái)。和往常一樣，粗斜紋布仍然受 到年輕人的歡迎。毫不奇怪， 當(dāng)經(jīng)濟(jì)不穩(wěn)定的時(shí)候， 人們不想在穿著上太冒險(xiǎn)。The mid1980s saw the rise of a number of different dressing was characterized by smart suits and, for the newlyempowered women,shoulder pads and kneelength skirts. Not surprisingly,the economy was unstable,and people took less risks in what they men,the Miami Vice style,named after the television series,made use of smart Tshirts under designer jackets,and designer stubblethree of four days of beard as always,denim remained popular with the particular,heavy metal music fans wore bleached and ripped jeans and denim jackets. 80年代中期興起了幾種風(fēng)格各異的服裝。As a backlash to the anarchy of punk,the New Romantics was a fashion movement which occurred mainly in British nightclubs. It was glamorous and courageous,and featured lavish frilled shirts. Jeans were definitely not acceptable. 作為對(duì)朋克無(wú)政府主義的一種抗拒，新浪漫派是一個(gè)主要出現(xiàn)在英國(guó) 夜總會(huì)的時(shí)裝潮流。Jeans remained fashionable during the period of punk,usually worn ripped,often with chains and studded look lasted for several years,although became more and more restricted to small groups of innercity young people,and had little influence on other age groups. 牛仔褲在朋克時(shí)期依然很時(shí)髦，褲腿通常有撕裂的口子，并配有鐵鏈 及打著裝飾釘?shù)钠А?The hippie movement of the mid1960s and early 1970s influenced the design of jeans,with the trouser leg developing a flared “bellbottom” style. By the mid1970s, as the economy deteriorated,hemlines dropped to midi(midcalf length) and maxi(ankle length),whi