5/5 based on a better insert than mine, which are probably 2010 (The EIT insert seems to be deforming or separating. Its inconsistently comfy.) Assuming the insert was improved (and it looks that way), these are superb knickers. Windtex and fleece fabrics, and the overall cut & construction are all first-rate. What I like best is that there is just enough strategically placed Windtex to allow me to wear these down to 45, yet there is little enough so I can wear these in 60+ and not get hot or damp under the Windtex panels.