I really like the quality of this fleece, however, the fit is too fitted for me to put anything underneath other than a tank top or fitted tee. For example, I bought the W's Echo Tee in size small along with the Radiant Zip Top Fleece in a size small, and it fits looser than this fleece! I was hoping to layer the tee under the fleece. I would recommend a size up in the fleece if you want to use it for a layering piece. Otherwise the quality, styling, and color choices are really nice for women!