Abstract: A lower-body garment is provided having a secure waist assembly. The garment includes an outer shell having a waistband. The waist assembly is attached to the interior side of the waistband at a prescribed location on the waist assembly with the remaining portions of the waist assembly being free of the outer shell. The waist assembly includes an intermediate section, end sections, and end fasteners, which cooperate to promote a secure and comfortable waist fit. When secured in place, the waist assembly wraps snuggly against the waist of the wearer.