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A polo shirt can look as formal or casual as you want. Designers such as Ralph Lauren, Fred Perry and Lyle & Scott make patterned and block colour tops that lend themselves to formal ensembles.

Wear a formal-style top beneath a sweater as a quick alternative to a full shirt and leave a couple of buttons open to relax the look. Add a polo shirt or two to your wardrobe to increase the versatility of your apparel.