Abstract: An apparatus is for use with a hat configured to be operatively received by the head of a user. The apparatus includes (and is not limited to) a head-contact assembly being configured to be operatively supported by the hat in such a way that the head-contact assembly operatively contacts the head once the hat is operatively received by the head. The head-contact assembly includes a moisture-management media configured to: (A) receive, at least in part, moisture from the head once the head-contact assembly is positioned to operatively contact the head, and (B) convey, at least in part, moisture away from the head-contact assembly and from the head in such a way that moisture accumulation in the head-contact assembly is reduced, at least in part.