What is the idealogy of third poonool (sacred thread) for a grahastha

Third poonool is for uttareeyam or ( upper cloth). The third poonool acts like an upper cloth in case you donot wear anything to cover your stomach or chest in terms of shastra prescribed procedure
 
Third poonool is for uttareeyam or ( upper cloth). The third poonool acts like an upper cloth in case you donot wear anything to cover your stomach or chest in terms of shastra prescribed procedure
 
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