My vote is for a key. I have one and I just love it! I'm 27 and I can see it suiting me for a very long time.
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For $10 more, I'd get the sterling toggle necklace, minus the heart charm (not a heart charm fan). I love this as a statement piece, dresses up any outfit, and the toggle is so cool. http://www.tiffany.com/Shopping/Ite...-p+13-c+287465-r+101323338-x+-n+6-ri+-ni+0-t+