O.W.O. Turtle What?

O.W.O. (One Weekend Outfit) is all about a conundrum of mine…

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Why is it called a turtleneck?

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Granted it delivers warmth but why the testudine reference?  What does the rolled neck sweater style have to do with a hard shelled slow moving turtle?

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And do not even get me started on all the lumps & bumps that come seemingly attached to  sweaters!!