Universal Colors are those colors that tend to be flattering to most people.
Maybe it would be correct to say colors that will most likely not be unflattering.
The Turtleneck Test - determing if a color truly flattering
Stone, a medium-to-light grey, is often listed as a universal color.
I did, indeed, included it in all of my previous swatch versions. But I had to accept that shade does nothing for me nor any truly warm seasons. I took it out. Now I either include a warm grey or putty color in those muted warm seasons that flow into a cool season, a muted cool season that flows into a warm season, or I skip it entirely.
As you can see in the photo above, the cooler stone color is not dreadful. It's better than, say, a cobalt blue or similar color on this person.
But warming up the grey is better.
However, choosing from their best neutrals, in this case, a warm sand, is best for this Autumn woman.
Last word about universal colors: they are good choices when you can't wear one of your best colors.