CRUISE FORMAL WEAR

Don't wear this to the mall. Miami-based Celebrity Cruise Lines is dangling a diamond-encrusted T-shirt worth $50,000 as the grand prize in its Carats & Cruises Sweepstakes. The winner also receives a luxury cruise for two, boosting the value of the grand prize to $59,000. The budget for the promotion is $2 million. Entries can be found at http://www.celebritycruises.com. Two million e-mails will be sent out, as well as direct mail. Planning Group International, Miami, handles.