a robust fabric bottom portion 110 u2033 top portion 110 u2032 is preferably a clear plastic such as vinyl or polyethylene bottom portion 110 u2033 is preferably a marine grade canvas material which would resist tearing and puncturing such as from multiple retractions and extensions of the panel or from abuse from passengers such as from golf spikes or driving the cart through wooded areas were limbs may impinge upon the panel with reference to fig3 rear panel 120 is shown in a retracted position as discussed above with regard to side panel 110 rear panel 120 may be secured in an open position by any suitable fastener such a toggle strap 122 rear panel 120 is also provided with one or more fasteners 125 which mate with fastener 135 of rear panel 130 thus when both rear panels 120 and 130 are in a closed position fig1 and 2 the mating fasteners 125 135 serve to secure to two panels together examples of suitable fasteners include respective male and female counterparts of clips snaps buttons hook and loop and zippers with said fasteners preferably being hook and loop fasteners as described above rear panel 120 may be incorporated with side panel 110 to form one continuous panel unit rear panel 130 may similarly form a continuous panel with the right side panel not enumerated.