It is a photo taken with a super shitty camera.
I I created this image and showed it to some people who saw the dress and blue and black, and they still saw the colors as blue and black.
It actually changed it for me.. I can obviously see that it's slightly blue, but nowhere near the original image. The gold doesn't look nearly dark enough to pass as black though.
This stuff is crazy, at first I thought this was some hoax, since it was obviously black and blue..
I have faith in that my monitor is at least more accurate than average..
I'm very slightly colorblind though.. Really dark greens and reds are hard for me to tell apart.
The argument as to what color it actually is, is not as interesting as to why and how it's being perceived differently..