Glad I wasn’t the only one getting confused in the over under bit. So, any one of the three groups could have 2 dresses and a jacket or cardi, or trousers and a couple of tops, or a skirt and a couple of tops, and two of the three groups must mix and match, as must the wild card, and a total of three of the ten garments can already be in your wardrobe either as rtw or already sewn. Is that it?
Or two put it another way, a theme and palette goes through seven of the garments, but not necessarily through the three which are in a group on their own.