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      As the lounge suit became popular, all men would have at Delta shower heads in2ition least one suit to wear to church; rich Victorian men still woar a frock coat to church. Before 1935 (and in the 1970s) men preferred snugly-tailored coats and waistcoats, however, since then, the mainstream trend has been for looseness. Moreover, borrowing is not free; the broker usually charges 8-10% interest. Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not immediately pay the first party for the resources in full, thereby generating a debt, and instead arranges either to pay for or to return those resources (or equivalent value) at a later date. This was advantageous to those who presented such special gifts