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I think you will find that most women will dress up for the formal evening....not necessarily evening dresses...I have worn silky black trousers and a glittery top..also a black long skirt and black chiffon blouse...as well as my little black dress...so anything fairly smart is acceptable.
Agree, I wore smart dresses and two pieces. Something a bit smarter than normal. There are only three formal nights so you dont need alot.