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Summer Staple: The Tunic

Working in a clothing store doesn't leave retail manager Fran Cha, 37, in much of a shopping mood. "During the week, I wear structured clothes, so in my personal life, I dress for comfort," says Cha, who loves pairing a tunic with jeans. In cooler weather, the breezy top demands more substance—a scarf instantly says "summer's over."

Tunic, Dana Buchman, $52; Kohls.com. Jeans, Hudson, $178, Bloomingdale's; 877-612-7257. Scarf, Love Quotes, $95; ShopTheTrendBoutique.com. Belt, Leatherock, $100; 800-466-6667. Shoes, Joan & David, $260; ShoeWoo.com