Abstract: A garment for carrying body armor including a shirt body having a front portion, a rear portion, and a neck portion is disclosed. A plurality of pockets is formed on the front portion where the plurality of pockets is stacked upon each other. A pocket is also formed in the rear portion. At least one body armor insert is positioned within each of the pockets. The plurality of pockets includes a first panel, a second panel, and a third panel. The first panel is secured to the front portion of the shirt body in order to form a first pocket, the second panel is secured to the first panel in order to form a second pocket, and the third panel is secured to the second panel in order to form a third pocket. The first panel is removably fastened to the shirt body via complementary hook and loop fasteners.

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.