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Conservative Investors Involved With Cannabis

Investing in marijuana stocks is risky these days, so why is CalPERS sinking more money into major cannabis companies?  

It’s been clear for some time now that investing in cannabis stocks has not gone so well.

So why is the California Public Employees Retirement Systems (CalPERS) — the biggest public pension fund in the U.S. with 1.9 million members and $373 billion in retirement funds — upping its investments in major cannabis companies, such as Tilray (increased to 25,400 shares from a beginning of 1,617 shares in 2018), GW Pharmaceuticals (increased to 63,900 shares from 37,100 shares in 2018) and Innovative Industrial Properties (increased to 36,212 shares from 11,671 shares in August, 2019)?

All three of those stocks have taken major hits this year since their respective highs in 2018.

Tilray looked like a good selection at first. It was the first cannabis company to do an U.S. initial public offering on Nasdaq in July, 2018, raising $153 million. It’s stock shot up initially to $148 a share by October, 2018, then crashed hard, now hovering about $17 a share.

Maybe CalPERS got sucked in to the early cannabis hype.

California, which went legal with adult use in 2018, appeared to be a big hit for the industry early on, but had a bumpy start while sorting our regulations. It is still being hammered with high taxes, but seems to be getting its act together a little better now.

RELATED: For Marijuana Companies And Investors, Failure Isn’t An Option

Cannabis consumer spending in California is forecast to reach $7.2 billion in 2024, which is a 19 percent compound annual growth rate (CAGR) over the next five years.

But there is a major problem in California: The black market is expected to make up 53 percent of all sales in 2024.

Is Smoking Marijuana Laced With Human Remains Dangerous
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That makes things a bit “iffy” in California, prompting the question: Why did CalPers decide to invest in the risky and volatile world of marijuana stocks?

Maybe the pension fund was experiencing a whiff of desperation.

A Pew Report from 2016 found that many state retirement systems like CalPERS are on an “unsustainable course, coming up short on their investment targets and having failed to set aside enough money to fund the pension promises made to public employees.”

RELATED: Liberals Are More Likely To Smoke Marijuana Than Conservatives

Taxpayers doubled their contributions over the past ten years, the Pew report found, but the total “still fell short of what is needed to improve the funding situation.”

In 2016, CalPERS had less than 60% of the funds needed to pay its promised benefits—it’s now estimated to be around 70%.

At least CalPERS is in good company. Another conservative, risk-aversion investor, the “oracle of Omaha” Warren Buffet’s Berkshire Hathaway is invested in cannabis.

how to invest in marijuana stocks
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Berkshire Hathaway also owns $95 billion of financial company shares, led by 900 million of Bank of America stocks worth $25 billion. At least two cannabis companies in Massachusetts use Bank of America.

A unit of Berkshire’s MiTek business, Cubic Designs, Inc. specializes in making platforms that maximize floor space in warehouses and is working with marijuana dispensaries to help them expand the number of plants they cultivate.

Another of Berkshire Hathaway’s holdings, Mondelez, Inc., makers of Oreos and Chips Ahoy, is rumored to be thinking of creating CBD-infused products.

RELATED: Should I Invest In My Friend’s Marijuana Business?

Buffet’s exposure to cannabis companies may come as a surprise to him, but that seems highly unlikely. He probably sees a sure thing coming—big money for banks banking a multibillion dollar industry—though the Secure and Fair Enforcement Banking Act (SAFE), which would enable all U.S. banks to get a slice of the cannabis pie, hit a snag in Congress recently.

The SAFE act is still the best bet for banks and investors going forward who own banks that want to get into the cannabis business. But chances are slim that it will pass Congress this year.

Pillows Are The Next Big CBD Product

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The company behind a new CBD pillow claims that their product will allow you to sleep comfortably and evenly throughout the night.

The growth of the CBD industry is unprecedented. The compound has become so trendy that it’s almost a joke now. We’ve got CBD drinks, clothes, pet treats and now CBD pillows. Really?

Pillows aren’t strangers to weird products; there are plenty of pillow cases that are made out of silk or special fabrics that are rumored to be great for your skin. So, if you squint your eyes and twist your head, it kind of makes sense why someone would think that CBD pillows would sell.

RELATED: 5 Of The Silliest CBD Products On Sale

A brand called CBD Pillow says in a press release that their product is the first of its kind in the U.S.. “The CBD Pillow is a revolutionary new way of distributing this safe, all-natural sleep aid. And unlike creams or edibles, this delivery method allows for micro dosing of CBD all night long so you get a sustained, restful sleep.”

According to the press release, the pillow is packed with small CBD capsules that burst when they come in contact with skin. So, if you’re interested in preserving the pillow’s shelf life and extending your sleep aid, you might want to avoid accidentally rubbing against it when making the bed or using it as a back support.

5 Things Sleep Experts Would Never Include In Their Bedrooms
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The press release explains that when laying on top of the pillow, the CBD will be slowly absorbed through your hair follicles and skin, allowing you to sleep comfortably and evenly throughout the night.

RELATED: Is CBD A Rising Star Or Just A Popular Fad?

“We were searching for a safe, natural solution to help people get the rest they so desperately need, and we found that solution in CBD. With the CBD Pillow, we can now provide the highest quality CBD, in the easiest, least intrusive way, so that everyone can experience the benefits of CBD,” says CBD Pillow CEO Michael Hughes.

The pillows are obviously expensive, available online for $129. The CBD industry is going to have a hard time topping this weird idea. Or maybe not.

Just Started Working Out, Why You Might Gain Weight

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Starting a new workout program can alter your body, making you gain some weight for a short period of time.

Congratulations! You chose to stick to a regular workout regimen, when most people have already ditched their New Year’s resolutions. Although forming new habits takes some effort, you may find yourself with a renewed sense of purpose once you begin to see results, whether in the form of dopamine or the development of bigger muscles. One change that might be disheartening, however, shouldn’t discourage you: weight gain.

Starting a new workout program can trigger a change in your body that could alter your weight in the beginning. But if you stick to this new lifestyle long enough (at least a few weeks), there will be a weight and muscle mass redistribution. “Initially, they aren’t all what some people may perceive as headed in a positive direction, because you may gain a little weight at first,” explains Gary Calabrese to the Cleveland Clinic.

Here are three reasons why you might gain weight after committing to your workouts:

Water retention

workouts
Photo by Flickr user ThoroughlyReviewed

RELATED: Ask Science: Should I Work Out When I’m Feeling Sick?

The amount of water in your body has a large influence over the number that appears on your scale. “Water makes up approximately 65 to 90% of a person’s weight, and variation in water content of the human body can move the scale by ten pounds or more from day to day,” clinical physiologist Jeffrey Dalgan told Shape magazine.

Water is a temporary change, one that doesn’t reflect your body composition. When starting a new workout program, your muscles will likely tear due to the stress; in order to heal, your body will retain as much water as possible.

Development of muscle mass

study shows how marijuana can motivate you to exercise
Photo by bruce mars via Unsplash

RELATED: Can CBD Help People Lose Weight?

The process of developing muscle mass might also increase your weight. This is due to glycogen or sugar, which is the fuel that your body uses to develop muscles. After your begin to work out more regularly, your body will store more glycogen in order to give you more energy.

After a few weeks or months of you continuing your work out program with the same regularity, your body will adapt and so will your weight.

Muscle vs fat

13 types of marijuana that will improve your workouts
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It’s important to know that measuring your weight on a scale isn’t indicative of your health or level of fitness. A person who works out regularly may weigh more than someone who doesn’t work out at all. This can be explained by muscle and how it works within your body.

“In simple terms, a pound of muscle weighs the same as a pound of fat,” physiologist Katie Heimburger tells WebMD. “The difference is that muscle is much more dense than body fat. Therefore, a pound of muscle will take up much less room in your body than a pound of fat.”

For Marijuana Companies And Investors, Failure Isn’t An Option

Cannabis companies don’t have the same financial advantages of other companies, meaning success is the only option.

As high as waves rise, they all eventually crash. The cannabis industry has learned that lesson the hard way, as many of marijuana’s biggest players have experienced significant downturns over the past several months.

MedMen, one of the most recognizable marijuana brands, has shed over 40% of its corporate headcount, including co-founder and CEO Adam Bierman. Tilray laid off 10% of its staff this week and cannabis publication Leafly slashed 18% of its workforce “to more closely align our business operations with the market realities,” CEO Tim Leslie said. Marijuana retailer Caliva recently announced it will ditch cannabis delivery app EAZE as a partner in March and will let go more than 200 employees.

For Tilray, the layoff announcement was a “logical response given the current state of the industry,” Cowen & Co. analyst Vivien Azer said in a report sent to clients Tuesday.

“Both Canadian and international LPs have built up infrastructure levels that exceed current market demand,” Azer added.

RELATED: 4 Predictions For The Marijuana Industry In 2020

These examples, sadly, could go on. However far any cannabis company falls, though, you won’t see any of them declaring bankruptcy. That’s because they can’t.

“The simple answer on bankruptcy is in general a company that is growing or processing or selling cannabis cannot access federal bankruptcy,” David Feldman, a partner at Hiller P.C., a global law firm, told The Fresh Toast.

Due to marijuana’s federally illegal status, marijuana companies don’t have access to the same financial advantages as other business sectors do, including bankruptcy. If a marijuana company experiences turbulent times, it has few options to bounce back. Considering only 90% of marijuana companies are profitable, the downward turn in the market has presented difficult choices for executives. Some businesses have simply folded or sold themselves to other publicly traded companies. Otherwise, the solutions are few and far between.

finding business opportunities in the cannabis industry
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“Many states have insolvency proceedings you can go through. A number of states allow that, if you’re in a legal state,” Feldman says. “You can also try to restructure your debt and equity table in the way that people do and work out situations.”

Hence the layoffs, as well as businesses shedding assets, selling real estate to raise cash, or pulling out of operations in other states. The reality is that many marijuana businesses have a significant cash crunch at the moment. Initially, the belief was that multi-state operators, like MedMen, had to grow as quickly as possible so that when legalization came, the biggest players would be bought out. That hasn’t happened and doesn’t appear like it will anytime soon.

RELATED: 3 Cannabis Entrepreneurs Under 30 To Watch

Because those companies overpromised and underdelivered for investors, it caused a major market correction with declining stock values in the cannabis space. As a result, capital has temporarily dried up and now cannabis companies have to realize new ways to keep the lights on.

What you’re seeing, in other words, is cannabis companies going through some very real growing pains. While Feldman believes this will be better for the marijuana industry in the long run, it doesn’t mean things will get easier for these companies anytime soon

“A number of these operators are no longer sitting around waiting for legalization and instead trying to chart a path towards their own success as an independent company,” Feldman says. “That includes actually focusing on achieving profitability and not being dependent on capital raising for funding their operations.”

Could CBD Cause Impaired Driving?

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Now that the entire nation is presumably hopped up on CBD, are the roads even safe to travel on anymore?  

Cannabidiol, the non-intoxicating cannabis compound best known by its three-letter abbreviation CBD, is perhaps the most crucial discovery of mankind since the dawning of rolled toilet paper. Well, let’s not get carried away. Where would we be without that stuff, am I right?

Nevertheless, CBD is now a household name in the United States, making its way inside food, beverages and a slew of other products that Americans are gobbling up with rabid enthusiasm. But now that the entire nation is presumably all jacked up on CBD, are the roads even safe to travel on anymore? It’s a question recently proposed by the U.S. Food and Drug Administration (FDA), which believes the effects of this popular cannabis derivative might be causing trouble behind the wheel. 

It’s not that CBD causes the kind of impairment that comes from smoking real-deal marijuana, the FDA says. It’s just that CBD might cause motorists to be a little less alert than they normally would.  

Drivers should “use caution if planning on operating a motor vehicle after consuming any CBD products,” the FDA said in a press release issued in December 2019. The agency is concerned that CBD should be used with caution because it is known to cause “drowsiness, sedation, or lethargy.” 

RELATED: Medical Marijuana Cardholders Can Still Be Busted For Stoned Driving

But is this a real concern? After all, the FDA is the same agency that’s out there posting stuff every once in a while about how CBD might cause a variety of yikes! moments for Americans, such as diarrhea, mood swings, liver damage and shrunken testicles. “CBD has the potential to harm you, and harm can happen even before you become aware of it,” the FDA wrote in a statement. 

Heavy marijuana users might be dangerous drivers when sober
Photo by Jessica Furtney via Unsplash

The truth of the matter is there isn’t a heck of a lot of research out there on CBD. There is even less when it comes to its effects on motorists. Still, hundreds of people die each year as a result of drowsy driving, according to the National Highway Traffic Association. So, if there is any chance that the increased use of CBD across the United States could somehow cause more people to fall asleep behind the wheel, well, we should definitely look into that. There are some studies presently underway that are searching for any correlation between CBD and drowsy driving.

In the meantime, some scientists say it is, in fact, possible that people who use CBD could experience some unexpected drowsiness. “There is some evidence to suggests that CBD may cause mild sedation at high doses, and this could translate into subtle driving impairment,” Thomas Arkwell, a Ph.D. candidate at the University of Sydney, said in an interview with Inverse.

RELATED: The Number Of People Who Get Behind The Wheel After Smoking Weed Will Surprise You

And CBD drowsiness makes perfect sense too, considering that cannabis advocates have been preaching for years about CBD’s ability to tame a variety of conditions ranging from anxiety to insomnia. It is well within the scope of reason that if CBD can chill people out and help them find sleep through the night, then it could be putting them to sleep on the roadways. But then again, much like other sleep aids, the knock-out effects on individuals would depend on dosage and other factors. 

More research is undoubtedly needed before we can definitively say that CBD shouldn’t be used while driving. All of these questions are something that should be looked into by the federal government. Instead, it continues to stymie cannabis-related research while approving more seemingly dangerous drugs.

Financial Forecasts For Medical Marijuana

One thing is certain: The numbers are telling a very compelling story for following and perhaps investing in marijuana for years to come.

Researchers and financial analysts are forecasting unprecedented growth both in the United States and global markets; we’ve moved a long way from “reefer madness,” to legal dispensaries. Interested in the future and what it might hold, especially around investments?  Are are some financial forecasts for medical marijuana.

Many pundits and skeptics are asking how many more financial ceilings can marijuana break. The truth is, medical marijuana and CBD are forecasted to rise even more in the next ten years. How much more? Here are five remarkable numbers we found on marijuana’s staggering growth:

A May 2019 press release from Grand View Research produced astounding numbers on where the global legal marijuana market is headed. Slated to reach $66.3 billion by the end of 2025, researchers also notated a compounded annual growth rate (CAGR) of 23.9%. Factors of acceleration included recent legalization, medical marijuana use and recreational applications. Other studies cite similar numbers, capturing the attention of investors and financial analysts. With South Africa and New Zealand considering legalization, strong numbers are expected in Australia, Germany, Columbia, Poland, Israel, and Uruguay. 

RELATED: Should I Invest In My Friend’s Marijuana Business?

Allied Market Research cited the U.S. Topical Pain Relief Market will grow to $3.73 billion by 2025, registering a CAGR of 6.0% from 2018 to 2025. Driven by an, “increase in prevalence of arthritis and other bone-related conditions,” researchers found that adoption of topical pain products saw a surge with geriatric populations and sports players under a caveat: They don’t stink. Researchers noted that strong odors, or unpleasant smells could hinder market growth. 

who will be the big business winners in cannabis
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Known to aid in sleep, marijuana is expected to have a hand in the Global Sleep Aids Market, according to Allied Market Research. Already valued over $50 million, by 2023, the market is estimated to grow to almost $79.8 million with a CAGR of 7.0%. 

Arcview Market Research published a, “2019 Update to the State of Legal Marijuana Markets,” which stated that in 2019, global marijuana sales were expected to grow 38% to $16.9 billion with a CAGR of 26.7% between 2017 and 2022. 

RELATED: 4 Predictions For The Marijuana Industry In 2020

According to The Street, Cowen’s cannabis analyst believes by 2030, the U.S. market alone will be worth $80 billion. In fact, research gave “outperform” ratings for all three of the publicly-traded cannabis stocks that it covers: Tilray Inc. (TLRY) – Get Report , Canopy Growth Corp. (CGC) – Get Report and KushCo Holdings Inc. (KSHB) . One belief for the high growth is past users flocking back to cannabis, from partaking earlier in their youth.  

One thing is certain: The numbers are telling a very compelling story for following and perhaps investing in marijuana for years to come.

Do Liberals Or Conservatives Consume More Weed

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Cocktails and cannabis tend to cross party lines – but which group likes weed more?

Like alcohol, marijuana tends to cross party lines.  But do liberals or conservatives consume more weed?  A newpoll examining cannabis consumption trends in America found the answer. The poll conducted by Gallup found that 24% of liberals reported consuming cannabis while only 4 % of conservatives did. People who identified as moderate in their politics stood in the middle, with 12% of them consuming cannabis.

RELATED: These Are The US Cities And States With The Most Dispensaries

The poll also found other cannabis related statistics, including differences when it comes to gender, age, race and geographical location.

whats the best way to get rid of cannabis smell
Photo by Tunatura/Getty Images

Men reported consuming more marijuana than women (15% vs 9%) and white people consumed more than POC (14% vs 9%). The younger the person, the more likely they were to smoke cannabis, with 22% of people between the ages of 18 – 29 stating that they consume marijuana compared to only 3% of people over the age of 65 reporting the same.

The poll found that geographical location plays an important role when it comes to people’s opinions and access to marijuana. The more liberal locations that have looser cannabis restrictions — specifically the East and West coasts — smoke the most, with 15% and 16% reported, respectively. They are followed by the Midwest, with 13%, and the South, which comes in last with 7% of cannabis consumers. The South boasts some of the country’s most restrictive cannabis laws, with only Florida having access to medical marijuana.

RELATED: How Marijuana Can Actually Make You An Even Better Parent

This data was taken from a poll conducted in 2019, so it provides numbers that are up to date. We can expect these statistics to shift as the laws change and people’s perspectives evolve. You can read more from the poll here.

CBD Could Help 49ers Fans With Super Bowl Loss

Research suggests that CBD reduces stress and anxiety, while motivating users in downer moods, which is how San Francisco 49ers fans might feel this week.

The San Francisco 49ers achieved a nearly perfect football season. They dominated the regular season competition and powered through the NFC playoffs, leaving little doubt they were among the league’s best. In the Super Bowl, they looked like the better team for more than three quarters of competition. Heartbreak came swiftly, though, when star quarterback Patrick Mahomes led a Kansas City comeback and stole the Super Bowl away from the 49ers.

To deal with all that misery, Charlotte’s Web believes the only thing Niners fans need is a little CBD with their TLC. In what the company is describing as “a tongue-in-cheek” campaign, Charlotte’s Web will offer a 49% discount to all those sad football fans.

RELATED: Why Can Everyone But Football Players Use CBD?

While it certainly feels like an example of a company capitalizing on someone else’s misfortunes, it does give us an opportunity to discuss the science behind using CBD to manage stress and anxiety. The National Institute on Drug Abuse reports that a range of animal trials show that CBD reduces physiological and behavioral measures of stress and anxiety.

A 2011 study focused on how CBD could affect generalized social anxiety disorder. Researchers gave half of participants a 400mg dose of CBD and the other half a placebo. The study concluded that “CBD was associated with significantly decreased subjective anxiety” when compared to the placebo.

RELATED: 5 Ways To Be Happier In 2020

In addition, if the 49ers losing the Super Bowl has you unmotivated at work, CBD could also help with that. We all know how difficult it can be to do your job when you’re stressed out, anxious, or depressed. A 2016 review, however, suggested that “CBD may attenuate motivational dysfunction,” particularly “in disorders of motivation, including drug addiction, anxiety, and depression.”

So, yes CBD might just help you get over the gut-punching loss of the Super Bowl. If you need help deciding what CBD products to buy, we have a guide to help with that.

Proof Marijuana Has Been In Sports For Decades

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The spectrum for which cannabis has been wrapped up with pro sports is vast. Here are a few of the most interesting tales.

The role of marijuana in professional sports might sound like a new development, but it has actually been well documented for over 40 years. As a recent piece from the sports authority SB Nation shows, some of this cannabis use was ordinary, while other cases were definitely more outrageous.

From coaches allowing players to smoke weed without getting booted from the team to high-speed chases to prevent law enforcement from discovering a car full of weed, the spectrum for which cannabis has been wrapped up with pro sports is vast.

Here are a few of the most interesting tales

In the early 1970s, it was revealed that former UCLA coach John Wooden, who had a reputation for being a hardcore disciplinarian, gave one of his star players, Bill Walton, permission to smoke marijuana and remain on the team. Walton’s ex-wife Susie exposed this tidbit of information in an interview with the New York Times, in which she said, ‘’Wooden let Bill smoke pot but not the other players.” Wooden has forever denied this accusation.

Around a decade later a story surfaced surrounding Formula One racing legend James Hunt that suggested he had used his driving skills on the mean streets of Scotland to avoid getting busted by the cops for weed. In a piece for the Mirror, Hunt’s son recounted some of the wild times his father had while leading a rock star career.

RELATED: Pro Baseball Removes Marijuana From Its Banned Substances List

One of the tales involved a “big bag of weed” and several police cars trying to shut him down. “It ended up being a three-car cop chase and he actually outdrove the cops. To be fair, he was a Formula One champion and it probably helped that he was driving a 6.9-litre Mercedes.”

Photo by TuelekZa/Getty Images

These days, it is not surprising when a NBA star gets caught with a little weed. But that wasn’t always the case. In 1996, former NBA player JR Rider, who was with the Portland Trail Blazers at the time, made headlines after he was caught by police smoking weed out of a soda can. ‘’They observed Mr. Rider holding a pop can and a lighter near his mouth,’’ said a spokesman for the Clackamas County Sherriff’s Office. ‘’Deputies seized the items and found the can to be converted into a smoking device, which contained a small amount of marijuana.’’

A few years later, two more Portland Trail Blazers were busted for marijuana after being pulled over by the cops for speeding. An officer with the Washington State Patrol stopped Rasheed Wallace and Damon Stoudamire following a winning game against the Seattle Supersonics. It was during the stop that the officer smelled marijuana. A search uncovered “less than 40 grams,” according to reports. But both players fought the charges and they were eventually dropped.

RELATED: Why These 4 Professional Athletes Use CBD To Manage Pain

Throughout the years leading up to the days of statewide legalization, athletes including Olympic gold medalist Michael Phelps and former NBA player Stephon Marbury encountered hardships after being caught on camera smoking marijuana. But now, athletes are less secretive about using the herb. UFC fighter Nate Diaz proved that in 2016 when he openly used a CBD vape pen during a press conference.

Regardless of its acceptance, pro athletes are still using the herb as an alternative to pain medications. And a growing number of former athletes have joined the cannabis industry and the fight to legitimatize cannabis use in professional sports.

Dermatologists Want You To Know 4 Things About CBD Lip Balm

It’s not just another gimmick. Dermatologists believe CBD lip balm can benefit your skin in many ways. Here’s how.

Some might argue that adding CBD to lip balm is just another marketing ploy, an easy way to make money as the CBD hype continues to build. But dermatologists disagree and explain how CBD can play an important role in moisturizing lips. Dermatologists want you to know 4 things about CBD lip balm.

In an interview with Well + Good, Claudia Mata, co-founder of Vertly, explains that CBD’s role in lip balm is very helpful, akin to the role of beeswax, which is one of the most beneficial compounds when it comes to treating dry skin. “CBD is very nourishing and has anti-inflammatory properties that can help soothe chapped skin,” she says.

Here are 4 CBD benefits that are dermatologist approved:

It’s antibacterial and antioxidant

this company is transforming lip balm into a luxury cannabis brand
Photo by StockSnap via Pixabay

RELATED: 5 Of The Best CBD Products Under $30

CBD is known for its antibacterial and antioxidant properties, which, when applied to lip balm, lead to more protection for your skin and to reducing element overexposure.

When experiencing symptoms of the flu, cold sores, inflammation or allergies, CBD lip balm can reduce redness and irritation.

The oil is packed with vitamins

According to Kino, maker of various types of CBD products, vitamins like A, C and E are present in some versions of CBD hemp oil. These vitamins promote healthy skin and slow down its natural aging process.

It prevents flaky lips

Everything You Should Know About CBD Lip Balm
Photo by Matthew Henry via Stocksnap

RELATED: This Company Is Transforming Lip Balm Into A Luxury Cannabis Brand

Good lip balms provide hydration. Lip balms with quality CBD oil in them ensure your lips stay hydrated by creating a seal that will make your lips moist for longer periods of time.

“With a well-made CBD lip balm, the CBD oil will seal moisture in your lips, preventing them from becoming dry or flaky,” says Gretchen Frieling, MD.

It can treat severely chapped lips

While CBD lip balm can be used on all kinds of lips, severely chapped ones can get tons of relief thanks to CBD’s healing properties. Unlike the compounds found in everyday lip balms, CBD oil can treat skin blemishes much faster, helping heal superficial cuts, protecting you against cold weather, and more.

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