然而在世界的某些地方，厚外套早晚都是必要之物，不管你在上下班路上穿多豪华的绒衣，保护得多严密，也无济于事。
In certain parts of the world, however, a coat does eventually become necessary, no matter how plush and protected one's commute may be.
克服消费偏执 米勒博士建议做一些类似练习:比较一下相关成本和所买之物带给你的乐趣.(你可以在nytimes.com/tierneylab做这些练习)有必要做这些练习 听起来很可笑-为什么一个自然的选择会给我们带来这些没用的迷恋呢?
To get over your consuming obsessions, Dr. Miller suggests exercises like comparing the relative costs and pleasures of the stuff you’ve bought. (You can try the exercise at nytimes.com/tierneylab.)
中央银行因调节信用，于必要时得选择若干种类之质物或抵押物，规定其最高放款率。
Whenever necessary, the Central Bank of China, in order to control credit, may impose a maximum lending rate on loans secured by selected types of items for pledge or properties for mortgage.
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