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The outerwear issue is huge here in WA. I find so often I don't take my coat off. I could wear an old tacky t-shirt under my favorite coat and look great. LOL Just kidding. But really.... outerwear makes a huge difference in the total look, as your pictures show very well.
1) Teal socks with peeptoes? Brilliant!
2) Luv the chunky beret and those boots!
3) Look how your new do has got you all sultry posing! Luv the color combos and your make-up looks beautiful!
4) Are we H&M blazer twins?! This is a FAB outfit!
5) Luv the big scarf with your long coat! Tell hubby he is on the elite list of YLF hubbies who are understanding that "it's all in the details."