This NYTimes article does the best job (for me) of showing how white and gold can morph into blue and black: http://nyti.ms/186m3wE
In the day and age of Photoshop, I would not be shocked to learn that the original dress was red and green! 
…“Robbed a bank in this dress. Nobody could agree on a proper description of me. Sketch artist’s head exploded. Got away. Fantastic…”
H and I saw it on the Today show and we both saw medium periwinkle blue and black, without a question. But later, I saw photos online that definitely looked white and gold. I went back to that same photo, same screen, some time later and could see the dress as either light blue or white, but not dark blue like the real dress.
If I look at the blueish white the gold stripes can go dark, but when I look directly at them they are gold
And speaking of dresses, Lupita Nyongo’s pearl dress has been found!! Stashed in a bathroom at the hotel. Hope the surveillance video IDs the thief.