Abstract: A versatile panty for protecting the garments of wearers who suffer from incontinence and do not have complete bladder control and the like, and comprised of stretchable body panels for constriction onto the wearer and including a crotch area coextensively over which there is a protective membrane impervious to liquid restricting said stretch throughout the crotch area, whereby a pad or sanitary napkin or disposable diaper disposed contiguously between the constricting body panels and said crotch area thereof is reliably secure in position, the panty being fully lined in its preferred form and multi-lined throughout the said crotch area.