Accessorize with a beige sling bag, pearl stud earrings, and a neutral cream watch. Outfit 4: gray coatigan, white turtleneck sweater, light wash tapered ankle jeans, and dark gray ankle boots.

This Sunday, Kathleen Baker—who qualified in the 100-meter backstroke for the 2016 Olympics—lost one of her token pearl ... earrings of choice when I am at the beach or the pool are our grey ...