Did you know that 'lady bear' is an expression? (It refers to a female officer of the law.) I did not know that until today. I also did not know that 'loaded for bear' is an expression, either. (It's a synonym for 'angry'.) Nor did I know 'hot enough to burn a polar bear's butt' is an expression (although I correctly figured it was equivalent to 'very hot'). I guess you learn something new everyday. Or in this case, three new things.
One thing I do know is that the term 'lady bear' sounds like a much better alternative to 'bear lady'. In the same way that cat ladies get a negative vibe, I'm sure bear ladies would, too. 'Lady bear', however, just sounds sophisticated and classy.
Cardigan: The Limited
Necklace: Forever 21
Flats: Steve Madden via DSW