Placement of Quotation Marks?

I responded to a question and this is my answer. In it, I put quotation marks surrounding what is essentially my verbal thoughts and within those thoughts was a 'sub'-quote, if you will. I then ended my thought.

In this example, 1) should the quotation marks end before or after the period, and

2) why or why not "." ? Is there a rule of inference that one set ends the both primary and

secondary quotes? Thanks!

Whenever I see someone with sagging pants I think:

"What a cruel, cruel joke has been played on the young men of the world and how very, very sad it is that, despite being unbelievably uncomfortable and uneasy to walk in, they will follow the trend instead of standing up and saying "That looks totally lame and stupid".

The girls aren't fans of it either - trust me.

And guys, if you're over 17 and still wearing them... get a clue. No woman wants someone that looks that disheveled and unsophisticated. Saggy and sexy don't work in the same sentence.

One last thought... if you're gonna show us your shorts, don't make them gray.... they look dirty.

I my humble opinion.