Is this dress white/gold or black/blue

[Gman]

I see white base color with gold overlay. There is some overhead lighting that is directly illuminating some of the gold trim and white base color.

Here is just a straight color blind test.

http://colorvisiontesting.com/ishihara.htm

"You Successfully Identified Shapes that are typically
hidden to Protan, Deutan, and
Tritan color deficiencies."