A garment or accessory includes an outer layer coupled to a liner that is partially removable via fasteners. The outer layer includes an inner surface and an outer surface. The liner includes an edge. A portion of the edge is coupled to the inner surface of the outer layer. The fastener includes a first member coupled to the inner surface of the outer layer and a second member coupled to the liner at an uncoupled portion of the edge of the liner. A space is formed between the liner and the inner surface of the outer layer. The space is accessible through the uncoupled portion.