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Your plans to laze in a deck chair all weekend derailed by a pool-party invite? Tropical coverups and metallic sandals to the rescue.

TOWEL $100, Inca; (212) 327-3007.

DRESS $38, Echo;

BRACELETS $58 to $188, Patricia Candido;

PANTS $59.50, Lauren Jeans Co.;

BIKINI $170, Vix Swimwear;

SANDALS $650, Giuseppe Zanotti Design; (212) 650-0455.

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