We started off with a call with that list.

我们从那个列表的调用开始。

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And then people started moving there and then began what people like to call "the hipster culture".

然后人们开始搬去那里，开启了人们所说的“潮人文化”。

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It started out that was as, what we call, fractional reserve.

这就出现了,所谓的,部分储备金制度

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