Abstract: Improved garments of the present invention which may be a panty, underpants, panty hose, girdle, panty girdle, swimsuit, trunk, teddy, leotard, thermal underwear and other garments which may be worn in direct contact with the crotch region, are provided with inner and outer sets of pockets or equivalent structures to receive and retain flush on the crotch area of the garment, either a removable absorbent pad of a first size, such as a typical disposable panty liner, or a removable absorbent pad of a larger size, such as a typical disposable sanitary napkin. The invention may be provided in a crotch assembly including a crotch piece and a plurality of panels which are attached to the crotch piece in a manner to form the inner and outer pairs of pockets. The assembly may be used as a panel forming the crotch of a garment or attached to the inner side of a garment having a finished crotch as a liner.