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I think alot of people confuse "business casual" with "business professional". Casual is what you referred to, Betarulz...no tie. In the midwest, I know ties are not considered casual attire, especially in the summer.
Here's the thing though, in college, alot of guys didn't own a suit (at least where I went) and they only had a jacket. Therefore, if the situation called for formal attire, they'd wear their jacket to that. Then, for business casual, guys consider that to be tie but no jacket.
I understand where you are coming from and my advice would be that its different from event to event. I'd get more clarification next time. My remedy sometimes for those grey areas is to wear a button-down oxford and to bring a tie with me just in case.
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