Abstract: The removable insert assembly is used in combination with the jacket/vest or other types of jackets to provide thermal insulation during cold weather. The left sleeve insert and the right sleeve insert are also used in combination with the jacket/vest or other types of jackets to provide complete thermal protection to the wearer. In alternative embodiments the insert assembly and sleeve inserts can be manufactured from ballistic cloth or other suitable material to provide removable body armor to the jacket/vest or other types of jackets. In another alternative embodiment the insert assembly and sleeve inserts can be manufactured to serve as a personal flotation device when installed inside of the jacket/vest or other jackets. In another alternative embodiment a Mae West type life preserver can be used in conjunction with the jacket/vest or other types of jackets to function as a personal flotation device.

Abstract: A garment which converts from a jacket to a vest and vice versa. The garment has retractable sleeves which are rolled or folded into sleeve storage compartments which encircle the arm holes. In one embodiment, the sleeves have a longitudinal slit which runs the length thereof to facilitate folding for storage in the compartment. The garment has a retractable hood which stores in a hidden compartment in the collar. The garment has one or more retractable safety panels which can be colored international orange and/or have enhanced light reflective properties. The safety panels cover a substantial portion of the back of the garment when in use. The garment has a day pack as an integral part thereof. The garment has means to adjust the fit around the midsection of the torso by constriction of the garment.