Inferior cow girl catches cold (5-5)

I believe the answer is:

lower-class

'inferior' is the definition.

'cow girl catches cold' is the wordplay.
'cow' becomes 'lower' (I've seen this before).
'girl' becomes 'lass' (lass is a kind of girl**).
'catches' is an insertion indicator.
'cold' becomes 'c' (eg on taps).
'lower'+'lass'='lowerlass'
'lowerlass' enclosing 'c' is 'LOWER-CLASS'.

I've seen this clue in The Times.

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