Does the idea of subjecting your tanned, sand-buffed toes to wicked winter pumps make you shiver? Stow the stilettos, and check out these cute flats. A collegiate version of a Mary Jane, Banana Republic’s ($98) black leather Lillie has a chic silver buckle across the toe. Bloomingdale’s camel leather Nikki flat ($125) is a bit softer, embellished with a delicate bow. Want something a little jazzier? Michelle K Footwear’s pony-hair flats ($125 at select Skechers locations) are genius with jeans. Chinese Laundry’s white Mandolin sling-backs ($55 at Macy’s Herald Square) have this season’s must-have corset lacing. Those who crave at least a little heel might try Nine West’s Livanas ($69 at Nine West stores), with delicate cutouts around the toe.