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Oops, now I see it's a necklace, not a scarf (and had I read more closely, I would have been clued in, huh?). Ah well--still goes great with the shoes.
I won't reply to every comment, but thanks to each of you for your replies. I was pretty sure it looks ok and I'm very conservative. Leggings or tights make me feel more relaxed about the length when sitting . No way am I going 4 inches shorter!!
I will see what outfit or item provokes the next brotherly comments : )