Kathy, when we did our Bermuda cruise last year on the Navigator, ccc means: Men had on there polo shirts with there pants and the woman came with capri's which were really hot last year and wore a sweater set with them. Black is great color for your pants and dress it up or down with the tops. The casual night we all had gotten outfits over in Bermuda and wore those that night- Fresh Produce outfits. Very colorful and very comfortable. Last year, I went with a few matching pant outfits, short skirts, and then several capri outfits. I hope this helps. Mix and Match is the way to go for packing. We all had an extra formal outfit, that we never wore. Have a great trip to Bermuda. Jan