From Carol "I chose to wear this very lightweight and comfortable necklace as the feature signature piece for my entire outfit. The neutrality of the necklace gives it versatility allowing you to dress it up or wear it casually. A statement necklace is often a large or bold piece of jewelry that takes center stage of your outfit."
Head on over to her site http://evolvingyourimage.com - her blog posts are great and will give you awesome ideas on new outfits. Also you can work personally with Carol to help you evolve your personal image.