the Tatonka-neck pouch has shown me on my Backpackingtour by Asia valuable services. Passport, credit cards and higher amounts of cash I could sure run close to the body with me. Was paid then always where there was only a small amount of cash from a second purse. On closer inspection of some large bags can be seen under the shirt and should therefore unfortunately rather under the arm (like a shoulder bag) and not be worn on the chest. The fabric trim on the body-facing side was skin-friendly (no scratching), but it was a little warm underneath. As annoying I found that the push-button for adjusting the strap was very large and especially very pressed when wearing the backpack. Furthermore there is a piece of cloth on the belt that the skin on the neck to protect against chafing. Very useless, since it always moves by fortiori scratches and also looks out of the collar. I found it more convenient without habs and therefore cut off! Overall still good to use the money bag.