Versatile women's cardigans are the ultimate multi-taskers of the smart-casual wardrobe. Layer a cropped design with three-quarter length sleeves over a casual T-shirt for a laid-back look, or wave off winter chills by snuggling up in a chunky-knit women's coatigan. You can button up for the office too, with a slim crew-neck style in luxurious cashmere. Find both understated neutrals and bold-and-bright shades, with vivid stripes and colour-blocked details thrown in (just for fun).