It's all of the above. I love the look of the shirt. It's been in my closet for a couple of weeks since I went to Kohls with a gift card. I'm in love with the concept, the price was right. But, alas, I had never considered how it would look on me. Of course on the models in the flyers the top is just super. On me, not so much. But I think it's beautiful. So I wore it. And after much trying on, finally found earrings that look ok with it.