Much nicer than I expected. The colors are deeper, richer and more nuanced than in the photo. Quite rich looking. Lots of color, but gentle, not loud. Navy is only the "dominant" color because it is the border. Multi-colored would be a better description; navy, rusty burgandy, brown, tan, bisque, a wee bit of orange, deep yellows, medium blue, light blue, gray; the few green tones soften the blues, browns and yellows. Enough beige, taupe, lighter blues, gray and bisque to keep the look bright. Enough blue to pull it away from an earth tone look. If I were an artist, I could name all of the more accurately. How about, definitely not neutral, but can go with an awful lot.