shown with an upper corner turned back to show a 34 velcro 34 fastener including a strip 17 of fabric hooks on panel 12 and a strip 18 of fabric loops on vest 10 a similar pair of strips are preferably at the bottom of panel 12 to provide a secure attachment between vest 10 and liner panel 12 each of the other panels namely right front panel 14 and back panel 13 are attached to vest 10 by similarly located strips of 34 velcro 34 fastener it is not critical that this type of fastener be used since snaps zippers or the like may be employed to fasten panels 12 13 or 14 to the inside of vest 10 34 velcro 34 fasteners are preferred because of convenience and light weight the cooperating loops and hooks of the 34 velcro 34 fastener may be attached to the panel or to the vest although it is preferred to have the fabric loops on the vest because it would be less troublesome when wearing the vest without the liner attached an electric wire is encased in belt 15 of the liner to connect electric resistance heating wire in each of panels 12 13 and 14 to a plug 16 which can be attached to any convenient source of.