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The phrasal verbs settle up and settle down
have meanings that are totally unrelated.
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To settle up means to pay your accounts. To pay
your bill. You can say this at a restaurant,
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I'd like to settle up. Settle down has nothing
to do with payment. It has to do with calming down.
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For example, you could say to your kids
if they're being kind of crazy before bedtime,
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it's time to settle down. Or maybe
the stock market is going crazy,
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lots of ups and downs. You might say, "Hoo! I cannot
wait for the stock market to settle down."
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