scarf with cardi

Of all places I saw this in a television commercial. It caught my eye because I liked the way they had the actress wearing a silk scarf over a cardi. I am going to copy this look this fall, it stays warm in TX almost year around so a cardi is the same as a heavy coat in winter. To me it looks polished but casual at the same time which is what I am usually striving to achieve. 

cardi= cardigan/or jacket