The neck pouch is visually well finished, about the durability of the material, I can not say anything yet. A star deduction there, because I. The part of the hook and loop fastener which is for use as a purse (wallet in your pocket), directly on the skin as a bit disturbing feel (back of the product represented, which lies on the skin / body) (Not just so in midsummer) Plotting the bag on a T-shirt, that's no problem. Otherwise, I think the optional use as a wallet in your pocket really great: so you have a purse, and this can quickly turn into a chest bag when you want to protect yourself from pickpockets. The cord can be removed, as it only runs through a loop of the bag and is not firmly sewn (and can be used as emergency laces etc. serve).