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A top is an item of clothing that covers at least the chest , but which usually covers most of the upper human body between the neck and the waistline. Men's tops are generally paired with pants , and women's with pants or skirts. Common types of tops are t-shirts , blouses and shirts. The neckline is the highest line of the top, and may be as high as a head-covering hood , or as low as the waistline or bottom hem of the top. A top may be worn loose or tight around the bust or waist, and may have sleeves or shoulder straps , spaghetti straps noodle straps , or may be strapless.
Affluence refers to an individual's or household's economical and financial advantage in comparison to others. While income is often seen as a type of wealth in colloquial language use, wealth and income are two substantially different measures of economic prosperity. Wealth is the total number of net possessions of an individual or household, while income is the total inflow of wealth over a given time period. Hence the change in wealth over that time period is equal to the income minus the expenditures in that period. Income is a so-called " flow " variable, while wealth is a so-called " stock " variable. Affluence in the United States has been attributed in many cases to inherited wealth amounting to "a substantial head start":   in September , the Institute for Policy Studies found that over 60 percent of the Forbes richest Americans had grown up with substantial privilege. According to the U. In , the economic survey revealed the following income distribution for households and individuals:. Households may also be differentiated among each other, depending on whether or not they have one or multiple income earners the high female participation in the economy means that many households have two working members .