A knit polo dress in navy and white stripes, a wide straw hat, and bare feet in the sand. That is the entire outfit, and it is doing more work than most holiday wardrobes. It covers the shoulders, it reads as a dress rather than a cover-up, and it will walk off the beach straight into a café without anyone thinking she got changed. The red band across the chest is the only loud thing in it, and it earns its place by breaking up a lot of horizontal navy.