Want to inject your wardrobe with some fashion-forward cool? Marry a charcoal overcoat with a black tank. Introduce black leather loafers to the equation to easily rev up the fashion factor of this ensemble. Dressing smartly is the trick to surviving uncomfortably cold temperatures, but this look is a striking illustration that you can accomplish this with style. If you're often not sure how to dress in your late 20s, this ensemble is a vivid example.