This elegant & romantic piece was a summer surprise from San Francisco-based artist Tina Tarnoff. I wore it frequently with two linen tunics, too low-cut for comfort. Worked like the charm that it is, no sewing & lots of compliments. The last photograph shows two winter possibilities. I highly recommend that you hop over to Tina's justly-popular Etsy shop & her inspiring Thought Patterns blog. (Her husband, novelist Terry Tarnoff has a terrific website, too.) Tina's 18 sets of cards (update - 17 sets, sorry) are based on her intricate original papercuts. If you're like me & can't afford much this year, these are a great deal. I've given several sets to a variety of people & they are always loved. Thank you so much to super-generous Tina.