The problem is that the pockets in gym shorts are virtually useless, so carrying a wallet is problematic. Not only is it too heavy and the shorts to baggy, causing it to gallop to and fro as I walk, but the pockets in gym shorts aren't secure at all, giving the very real possibility of tipping the wallet out when I stop to dig a rock out of my shoe (this happens frequently; I live in the country, so many of my routes are unpaved), retie a shoe, rub out a charlie horse, etc. So what I've been doing this entire time is taking out my permit and carrying it loose in the pocket, which solves the galloping wallet problem, but there's still the very real likelihood of losing it when I kneel down. Not to mention I have to remember to put it back in my wallet, and we all know how that goes. So my solution was to order a neck wallet. It has just enough room for an ID, a credit card, and maybe a 20 stuffed in there. Or it would hold two IDs if you preferred. It's very low profile, and once tucked inside a t shirt you can't even tell it's there. So to make a very long story short, I'm beginning to realize there are certain advantages to carrying a CCW permit this way instead of in your wallet. I'm actually considering always using the neck wallet from now on. My state has duty to inform, so the normal routine involves digging around in your back pocket directly after telling the cop you have a gun, which makes both parties rightfully nervous. With the permit hanging on your neck, though, your hands stay in plain view the entire time you're digging it out. I realize there are neck holsters, but they're very uncommon, this doesn't look like one at all, and it still beats reaching behind your back. It's also next to impossible to forget your CCW permit this way. Once you get used to it, you feel naked if it's not there, so you can't easily leave the house with your gun and no permit without immediately sensing a disturbance in the force. It's not like a wallet that can be forgotten because it's in your other pants. And since it's around your neck it's virtually impossible to lose as long as your head is attached to your body. This is a big bonus when out on the water, when you would be tempted to leave your wallet in the car for fear of it ending up at the bottom of a lake. And if you were to lose your wallet at any point (we've all done it), you would still have your emergency credit card and 20, so there's that too. This would be particularly attractive to women, as well, seeing as how they like to stuff cash in their pockets and leave their purse in the car. This would enable them to make a habit of doing that without risking forgetting to transfer their CCW from their purse to their pocket. Same thing for men who use a locker room at work, the gym, etc. There's nothing like being halfway home only to realize your permit is in your wallet in your pants in your locker at the gym. Well, that about sums it up. Thoughts?