The overall color of this dress is more buttery white and the pale golden embroidery almost blends in.therefore i think the dress benefits from being styled . i tried bold colored scarves with fringes and big statement jewelry. this dress is more casual with its fringes , the jeans like material ( although softer than cotton) as well as the loose pullover style. it is easy to dress down with a blue jean jacket, casual sandals or even sneakers. 
i have a 38 c chest and the l fits almost too loos