The T3 Matrix Competition Pad is designed to protect and support your horse's back muscles without interfering with performance. The spine has a hook & loop fastener opening to add Impact Protection Inserts (see below). The full-size Competition series are designed as all-in-one pads that offer the protection of the Matrix Half Pad but do not require a liner.... (read more) The Sheepskin lining is contoured and extends down over the shoulder muscle instead of bisecting; thu, it allows the muscle freer range of motion. The top is 1" square quilt of ETC(TM) and high qualit, breathable battin, with a poly/cotton lining. ETC(TM) is a breathabl, non-slip fabric that keeps your saddle securely positione, but is also anti-friction to avoid heat buildup. Typical non-slip materials like rubber scrims use friction for grip which creates heat and can lead to galling. The Sheepskin is 100% Australian sheepskin eco-tanned in New Zealand to stringent environmental standards which minimize toxic and harmful chemicals. It has been approved for use in the medical and infant care industries and carries the AWI Woolmark. A Merino cross with over 1" pil, it offers superior pressure relief and weight distribution. To add Biokinetic Inserts for Impact Protectio, see item # 27-031, 27-032, 27-0335. Cross Country.