And we have really a lot to offer with a decent return rates.

我们真的有很多可以提供不错的回报率。

But interest-rate rises have now returned mortgage rates to levels not seen for decades.

但现在利率上升已将抵押贷款利率恢复到几十年来未见的水平。

We kept tweaking that information until we sold more garments and could lower the return rate.

我们不断调整这些信息， 直到我们卖出更多的衣服并降低退货率。

Between store -- pure store buying and online buying, there is a very big difference from return rates, and because when people go to the store they will touch.

在实体店和网上购物之间，在退货率上有很大的差异，因为当人们去实体店时，他们会触摸商品。

It's been unmanaged for years. Return rates were allowed to grow the rate of sales but you effectively manage this when you -- you can control the fate of where this is going. Absolutely.

多年来，线上退货问题一直无人管理。大家默认退货率高于销售率，但你可以有效地改变这一点，当你可以改变的时候，这是必然可以改变的。绝对可以的。

Al Gerrie, chief executive officer of ZigZag, a returns platform, says that when a gift message or gift wrap is used in fashion retail (that is, for a present) return rates tend to be considerably higher.

退货服务平台Zigzag的首席执行官阿尔·格里表示，时尚零售（即礼物）中，有礼品赠言或礼品包装的，退货率往往会高很多。