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Going with a simple navy color palette

Heathfield writes in an About.com article: "The smart casual look allows flexibility for personal taste in fashion and includes jackets, outfit-enhancing jewelry, dress pants, dress shirts, skirts, tailored sweaters, vests, ties, matching leather accessories, and leather pull on shoes and boots

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Together, they create visual interest without overly matchy-matchycharcoal pairs well with lighter and darker shades of blue on the shoes