Fleeceworks Perfect Balance Technolgy in a pure Merino Wool for Thermal Balance; Visco-Elastic full inserts for relief from pressure points under panels.  Internal pockets hold optional inserts for effective and discreet corrections of saddle fit problems.  This pad is machine washable in cold water.  The Visco Elastic Full Insert in included.  A set of optional inserts can be included with this saddle pad order.  If more than one set of optional inserts is desired,they can be found in the saddle pad section of this catalog.