4 layers from close to the skin to outer shell:
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SOFT
first layer close to the skin, must be soft and gentle: t-shirt, soft dress
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WARM
second layer for warmth, must have long sleeves:
hoodie, blouse, long sleeve, shirt, sweater
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PROTECT
keeping the main organs warm: the vest, cardigan
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SHIELD
outer shell, keeps safe from rain and wind: overcoat, raincoat