I'm not sure why it's called a thermal jacket. Yes the shirts have a thumb hole and you can layer them, but not sure why it's warm. It is not 100% cotton as stated in the description but 60% cotton and 40% polyester. We used this on our recent fall trip and put on a t shirt and my 4 year old felt nice and warm. The kitty print is cute and the 2-pack is almost $20, so it's not exactly the right fit. It is easy to clean and requires minimal maintenance.
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