Whether it does more good than harm, says Eswar Prasad, depends on the world's dowdiest institutions - central banks - embracing change without losing control.
And when a woman finds that out about her husband, she either becomes dreadfully dowdy, or wears very smart bonnets that some other woman's husband has to pay for.
His own neighbour was Mrs. Vandeleur, one of his aunt's oldest friends, a perfect saint amongst women, but so dreadfully dowdy that she reminded one of a badly bound hymn-book.
" She's proud, but I don't believe she'd mind, for that dowdy tarlaton is all she has got. She may tear it tonight, and that will be a good excuse for offering a decent one."
When she saw them first she was afraid that she herself would look dowdy beside them; she felt uncomfortable at spending the rest of the evening, no matter how short their stay in the parish hall, in their company.