While some people advise against wearing black with navy, we say go for it
4) The finger loops to the sleeves are so tight on my dress and I have thin fingers (size 6)
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sometimes it is about fitting in and not standing out, you can always tone up or down a tux or dinner suit with jewelry or more casual jacket over top, or you can go trad with a silly hat, cane overcoat combo, maybe even launch and monocle in ya eye too
Floral prints, bold colors, and metallic accents can also be super flattering