When considering what to wear during the summer, many face this frustrating conundrum: it’s hot outside, but freezing in the office/subway train/grocery store/movie theater/etc. There’s a simple solution—bring a sweater/cardigan to wear when necessary. (Knitwear works well since it won’t really wrinkle much as you constantly take it on and off and shove it inside your bag). Close-ups of her shoes and bag are at www.TheSFStyle.com