1. Zanna Roberts, SENIOR FASHION EDITOR

THE LOOK: Sexy tomboy

HER CONCEPT: "It's all about playing with proportions. A skinny pant needs a multilayered top — the season's oversize vest is tailor-made for this."

ON THE VEST: Zanna enthuses, "The big vest" — prevalent all over fall runways — "evokes a menswear look and replaces both the shrunken vest and the blazer. It can even be worn as a light overcoat." Fashion meets function!

GOOD FOR: Its versatility. "No-fuss days when you have little time for wardrobe changes — or can't wait in line to check your coat! Light enough so you won't notice you're wearing it, and, in true tomboy fashion, you could skip the purse and stash cash in your pockets."

GO-WITHS: "High-waist trousers with large side pockets are forgiving to all figures," explains Zanna. "A flirty see-through blouse is a great contrast to all the edginess. The gunmetal color and adjustable sleeves are for a girl in control."

THE DETAILS: "The two-tone platforms are hot and remarkably easy to walk in, while a bag with a long strap says "easygoing." Don't forget the hat this fall: It's effortlessly rock-and-roll."

HAIR AND MAKEUP: "Between the red lips and the black nails, it's classic siren meets tough chick."

ZANNA'S STYLE TIPS

  • Dressing warm is sexy and smart — pile on layer upon layer.
  • Keep style personal. Whether you're a low-maintenance minimalist or extravagantly girly, accessorize accordingly.
  • The right proportions are as important as choosing the right pieces — i.e., a baggier top with skintight bottoms works well; wide-leg looks work best with fitted jackets and lean tanks.

On model: Vest, $990, MaxMara; denim vest, $200, Anlo; top, $785, Brian Reyes; pants, $515, Yigal Azrouël; shoes, $915, Barbara Bui; bag, $95, London Fog; hat, $35, Hat Attack. On Zanna: Vest, $190, Theory; loose tank, $95, Elizabeth and James; fitted tank, $65, Fluxus; pants, $242, Rag & Bone; booties, $995, Derek Lam; Zanna's own jewelry.

2. Dania Ortiz, SENIOR MARKET EDITOR

THE LOOK: Old-world glam

HER CONCEPT: "I took a vintage-looking floral dress and made it this-season with a statement vest and fantastic accessories," explains Dania. What is fashion if not reinvention?

ON THE VEST: "It can transform any outfit, whether tailored or ultra-feminine. The belt creates a waist and another interesting layer."

GOOD FOR: "A pulled-together look for the office — the potentially loud print is somewhat muffled — and it can easily work out on the town. Even if your girlfriend buys the same dress, she probably wouldn't style it like this — and you'll stand out in yours."

GO-WITHS: "I love how muted and earthy florals are this fall, and the vest and belt enhance the already artsy shape of the dress. I chose the brown booties because I wanted something unpredictable and to offset the other colors."

THE DETAILS: "A skinny belt tied high on the waist will cinch you and hide any problem areas," explains Dania. "And there's something a little sexy about it."

HAIR AND MAKEUP: "The colorful lip and eyeliner complete this glam look. This girl's not afraid to come on strong!"

DANIA'S STYLE TIPS

  • Invest in accessories — they will reinvent your wardrobe this season and next.
  • Matchy-matchy gets monotonous; experiment by mixing different colors and textures.
  • Look back in time for references — vintage-inspired is the key to originality.

On model: Vest, $990, MaxMara; dress, $2905, booties, $1845, Missoni; clutch, $36, Daisy Fuentes; belt, $107.50, Linea Pelle Collection; ring, $2300, Slane & Slane. On Dania: Blazer, $499, Miguel Adrover; top, $175, Emporio Armani; jeans, $220, Diesel; shoes, $695, Chanel; belt, $145, Réyes.

3. Kathryn Floyd, MARKET DIRECTOR

THE LOOK: Modern classic

HER CONCEPT: "Everything structured and minimal, punctuated with one bright, unexpected color."

ON THE VEST: "This menswear classic has been tweaked — love the sweet short sleeve — and is now modern and feminine. It's perfect for fall layering."

GOOD FOR: Standing apart from the crowd at work or for showing your true colors on a date. "Hot pink adds personality to the traditional pencil skirt," explains Kathryn.

GO-WITHS: "The tank works. Sometimes just a peek of a bold black-and-white graphic print is more palatable than the whole thing."

THE DETAILS: Another daring take on a classic: "The peep-toe slingback is the now-trendy bootie in 3-D!" Tough jewels are a win-win: "A big men's watch on a girl makes her look strong and even sexier."

HAIR AND MAKEUP: "In my book, makeup shouldn't distract from the clothes. Mascara, a rosy cheek, and straight hair does it."

KATHRYN'S STYLE TIPS

  • Always wear one standout piece — and mix with simple staples.
  • Don't mess with a good thing: Accessorize with a light touch.
  • Color should be the element of surprise.

On model: Vest, $990, MaxMara; top, $322, Alexander Wang; skirt, $1175, Thakoon; booties, $865, Manolo Blahnik for Rachel Roy; necklace, $159, Vice & Vanity; bracelet, price upon request, Colette Malouf; watch, $5900, Bulgari. On Kathryn: Top, $495, 3.1 Phillip Lim; shoes, $660, Christian Louboutin; her own J Brand jeans, jewelry, and Cartier watch.

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