I've gotten a couple of these sweaters as a gift. They're nice, but I have no idea what to wear them with. I'd like to wear them in a business casual setting and a casual setting. I can't see using them in a business casual setting because if you put it over a button down shirt without a tie, it seems messy to leave the top buttons unbuttoned. Or even with a tie, wouldn't that look weird under the sweater? In a casual setting, what are you supposed to wear underneath it? A white crew-neck t-shirt? A black crew-neck t-shirt? Something else? Some of the v-necks go down pretty low so I can't imagine wearing a v-neck t-shirt and showing that much skin.