Abstract: The invention describes heat-insulating fabric articles, for example a jacket, comprising an outer layer (17) preferably of synthetic material such as woven nylon, and a lining (19) joined together by a network of quilting seams (3) to form pockets. Each pocket is filled with closed polystyrene beads (21) so that movement between the beads is possible but migration of the beads to other regions of the pocket is inhibited. Such a garment is heat-insulative even when wet, and when dry promotes the formation of a static charge in the interstices between the beads.