Best Bet: Banana Republic Collar Necklace

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With sparkling stones set in neat circular rows, this crystal collar is just unusual enough to dress up almost any casual outfit. Imagine it peeking out from under a chambray button-up, or serving as the crowning touch to a classic crew-neck knit. Or wear it to complement your décolletage with a shoulder-less cocktail dress on a fancier occasion.

Banana Republic Crystal Collar Necklace, $80 at Banana Republic