This fall, you don't have to spend tons of cold, hard cash to look cool.

Multiple fashion retailers are now filling stores with the latest fall looks - and they're stunning.

Discount retailer Target carries designer looks from Isaac Mizrahi and Mossimo. Isaac Mizrahi's fall 2005 collection is about classic American glamour. Think Marilyn Monroe and Grace Kelly.

For special occasions, a ladylike black tulle skirt paired with matching cashmere sweater will more than do. Or you can top off your little black dress with Mizrahi's rReversible party coat in black and white.

"Isaac Mizrahi's collection for Target is perfect for any woman who is looking for understated glamour at an affordable price," says Trish Adams, Target's senior vice president, in a press release.

Like Mizrahi's line, Mossimo's fall fashions for ladies were inspired by heroines of the 1940s. Double-breasted snap trench and plaid women's trousers are complemented by classic buckle pumps and large, round sunglasses - an outfit a la Katharine Hepburn.

Colorful sophistication is key in the new Liz Claiborne fall line.

"The style for fall is a combination of dressed-up sophistication and flair," says Francine Crocker, a Liz Claiborne spokesperson. "The Liz Claiborne line combines modern and vintage, bohemian chic and beyond basics."

Even basic jeans get a festive update for the cooler months of the year.

"Denim has a luxury feel with added details, updated shapes and a variety of washes," says Crocker.

Denim is the only way to go for both guys and gals this season, with stores offering more and more options for every size and shape. American Eagle offers fits in stretch, hipster, favorite and blue issue for women; and bootcut, loose fit, straight leg, worker, low-rise boot and trouser for men.

This fashion staple now is being accessorized, says Mike Sullivan, store manager of Younkers in Waterloo. Sequins and embroidery can dress up an ordinary pair of jeans or skirt, while nicks and abrasions, or "distressed denim," are worn for a rugged flavor, he says. Also look for "bling bling" sequin trims on T-shirts, sweaters, scarves and accessories.

Color creeps into the Liz Claiborne line just as fall color begins to pop up in nature. Gone are the days of stern black and drab grays. These neutrals deserve some life.

"Black, charcoal and ivory create a canvas for hot pinks, purples and turquoise," says Crocker. "Soft shades of caramel, mahogany and buttercream mix with accents of hedge, radish, teacup and petunia."

Adding to the color are multi-dimensional fabrics, which only enhance the vibrance of an ensemble.

"Fabrics are highly textural and include delicate knits, rich velveteens, brocades, corduroys and tweeds," says Crocker."

Anything goes for mixing and matching at Dillards, says Bridget Luken, women's area sales manager, with hot pinks, zebra stripes and rich browns taking up space in the same ensemble. Fabric textures and styles also mesh well in this fall's fashion world.

"Pair bohemian flowy skirts with a form fitting shirt so the whole thing isn't frumpy," recommends Luken.

Gauchos - crop pants that flare out toward the knee - are one of the top fashion trends for gals this season. Add a pair of tall boots, and you've got one hot match.

"I was in Des Moines for the tax-free weekend, and I was seeing them on a lot of people," says Sullivan. "They're selling like crazy."

Western details have been woven into shirts, jeans and corduroy in the girls' department. Throw on a Western hat, boots and jewelry for an added southern accent. Jackets - from track to denim and blazers to vests - also are fall must-haves.

For men, Mossimo works the California laid-back style - one part everyman, one part rock star. Jeans paired with ringer tees and blazers are the rage, as are Western wear-inspired belts, trucker hats and cuff watches.

Argyles, checks, plaids and bright stripes are popular on sweaters and knits, and the rugby is making a comeback, says Robin Widener, Dillard's POLO sales clerk. Other hot buys include vintage T-shirts with retro logos or catchy slogans. Layering is the way to go, Sullivan said, including short over long sleeves.

"I have a ninth-grade son, and he's really into that," Sullivan said. "It's the thing to do. There's no question about that."