Jan, I generally walk around in a tee shirt or light flannel shirt all winter, even if it is down to 0 degrees F. outside. I just don't get cold, but I sure do get uncomfortable when it is hot outside in the summer! Barb Bowes Bo, Molly, Chelsea (Pyrs) & Flopsy (Pyr Shep) The more people I meet, the more I like my dog! bamb@monmouth.com