Human clothing has inner and outer flexible layers that define a space sufficiently large to position a thermal transfer element in any of multiple, non-overlapping positions. The space and the thermal transfer element preferably have cooperating sides of a hook-and-loop attachment. All suitable items of clothing are contemplated, but especially a shirt, jacket or pants that appear to others as a substantially normal garment. Each space has one or more openings, in either the inner or outer layers, and preferably at the shoulders or sides of the torso, or at the pocket areas of pants. The spaces are preferably large, not only relative to the size of a corresponding thermal transfer element, but also to the size of the garment. Thermal transfer elements are preferably disposed in pouches having a thermal insulation on that side, and have only a very thin, thermally transmissive, fabric on the other side.