Layers. I wear Coldwater Creek straight leg knit denim jeans (in different colors...dark blue wash, dark brown, light brown, gray, dark green, khaki). My first layer is usually a cami, a shell or s/s v-neck tee for summer, l/s tee for winter. Second layer for summer is a s/s blouse or shirt...for autumn, a l/s blouse...for winter, a casual jacket or vest. I love layers, and I really love jackets...casual shoes, a necklace and usually earrings. I don't own a dress or skirt. I do have a couple of dressier outfits and some casuals that I can dress up a bit.