Blame it on the boots and San Francisco’s “June Gloom” but I am taking the Southwest thing and running with it.  This outfit is for the San Francisco summer.  Too cold for shorts, so cropped jeans give a nod to the season while keeping the legs warm.  Button down is rumpled for a “fresh from the beach” feeling.  Sweater is perhaps more aptly described as as a big old blanket for when the fog rolls in.  Necklace is that nod to glamour that finishes the look and makes it appropriate enough for cocktails al fresco — if you don’t have kids and do that sort of thing — or a late-afternoon beer with the husband, if your life is more like mine.