Abstract: Garment construction for providing a down-filled jacket. There is provided in kit form for home assembly a jacket construction comprising a plurality of separately constructable panels. Each panel includes inner and outer sheets, said sheets being closed along their respective perimeters to form an envelope, the envelope is filled with down through a gate temporarily left therein, the gate then closed and with the down suitably distributed through the envelope, same is quilted. The independent and separate panels are then stitched together by stitching independent of the stitching by which the edges of the envelopes were closed and the whole is assembled into a finished jacket.