CARRIE UNDERWOOD totally brought it at last night's Grammys.  And by "it" I'm talking about a $31 million necklace that she wore on the red carpet . . . and during the show.  (--Here are a couple of pics.)  (People)

--For those of you who care about such things:  It's an oval, pear, marquise and white diamond necklace . . . and it's 381 carats.  It was designed by some big shot Beverly Hills jeweler named Johnathon Arndt.

--Carrie tried to sound humbled by it . . . but really, then why wear the damn thing?  She told E!, quote, "It's heavy on my soul.  I'm afraid someone is going to tackle me and steal it.  It's worth more than me."