Di, do you live in Alaska? That's a lotta clothes! Just kidding. Actually, I understand that when you're outdoors for quite a while--especially if you're not participating in a sport--you can get cold real quick.
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Sandy Nachlinger, author of BLUEBONNETS FOR ELLY; co-author with Sandra Allen of I.O.U. SEX
http://sandranachlinger.blogspot.com