I live in Duluth, Minnesota, and it's pretty frigid a lot of the time. I have worn this for long walks and waiting at the bus stop, and as long as I have a fleece or sweatshirt of some kind underneath, I am toasty warm even when it's less than 20 degrees. I have worn it on errands with just a t-shirt underneath, and it's great for going to and from the car in these situations as well. It's real
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