Economy: Solid Fringed Scarf, $8.50 (Wet Seal at the Dadeland Mall, 7535 SW 88th St., Kendall. 305- 662-6102)

Out of all of the must-have accessories for South Floridians, you'd think scarves and shawls wouldn't land at the top of the list. However, the hotter it is outside, the colder it usually is inside, making you want to reach for a blanket or hot chocolate. Instead, stay warm in this scarf which has metallic detail and a fringed trim.

Top of the Line: Stola Era Shawl, $810 (Neiman Marcus at Bal Harbour Shops, 9700 Collins Ave., Bal Harbour. 305-865-6161)

On your way to dinner or the theater? Wrap yourself in this cashmere and silk shawl, which is shown in the color ''lagoon.'' It has iridescent sparkles and a fringed trim, and can work with just about any outfit, for any cool occasion.

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