What does the term "urbane" imply about a person's characteristics?

The term "urbane" describes a person who is notably sophisticated, polished, and well-mannered. Individuals characterized as urbane often exhibit a high level of cultural refinement, displaying elegance in both behavior and speech, and often possess social grace and charm. This term suggests that the individual is not only knowledgeable about the nuances of social interactions but also able to navigate various social settings with ease and confidence, making them appear cosmopolitan and cultured.

In contrast, the other options describe characteristics that are at odds with the refinement and sophistication associated with "urbane." For example, being simple and unrefined suggests a lack of sophistication, rude and impolite conveys a dismissive attitude towards social niceties, and casual and informal indicates a relaxed demeanor that may not align with the polished nature of an urbane individual. Understanding these nuances helps clarify why "highly sophisticated" is the accurate definition of "urbane."