Abstract: A protective overlay for protecting a wearer is formed from a flexible sheet having a front surface, a back surface, a periphery, and a bottom; a pressure sensitive adhesive applied to substantially all of the periphery of the back surface for adhering the flexible sheet to the wearer; a release liner covering the pressure sensitive adhesive and being scored upwardly from the bottom of the flexible sheet; a crumb catcher formed by a bottom section of the flexible sheet being folded upwardly on the flexible sheet front surface and the sides being pushed inwardly to form a gusset. The release liner opposite the crumb catcher remains in place when the remaining release liner is removed for use.