The majority of hypothermia cases in my neck of the woods happen in summer and spring. People naturally bundle up for snow. They don't think about being cold and wet in summer with a wind blasting them as they cross an alpine pass as a risk, so wear shorts and tank tops, and refuse to layer up.
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"In the beginner's mind there are many possibilities. In the expert's mind there are few." Shunryu Suzuki

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