Create ONE photorealistic outfit flat-lay photograph, portrait 2:3. ALL items separated with gaps, completely visible: burgundy cardigan buttoned, white pointed collar shirt fully tucked into navy pleated midi skirt, dark brown penny loafers, cream canvas tote. Tucked/untucked describes future styling only, here show each garment separately including inner layers. Off-white seamless background, premium practical fashion catalogue, accurate materials and construction. NO person, body, mannequin, overlap, text, labels, logos, decorative props. Show both shoes. All edges inside frame.