An apparatus, comprising: an electrically powered fan having an inlet and an outlet; an electrically powered pump having a suction, discharge and a pumping chamber therebetween; one or more batteries to provide electrical current to operate the fan and the pump; a fuel storage container containing a volume of pressurized fuel; a fuel feed valve with an actuator to operate the valve and to control the rate at which a stream of fuel is released; an oxygen storage container containing a volume of pressurized oxygen; an oxygen feed valve with an actuator to operate the valve and to control the rate at which a stream of oxygen is released; a heat exchanger having an interior chamber to receive the stream of fuel and the stream of oxygen; a catalytic member received within the chamber of the heat exchanger to promote reaction of the fuel and the oxygen to produce heat and reaction by-products; a warming conduit having an inlet coupled to the pump discharge, an outlet and a warming portion therebetween disposed in thermal communication with the heat exchanger; at least one combustion by-product storage member disposed to receive a discharge stream of combustion by-product gases from the interior chamber of the heat exchanger; a cooling conduit disposed outside the housing and including an inlet, and outlet and a cooling portion therebetween coupled to at least one planar fabric member that is adapted for being secured to a user; a fluid feed conduit coupled at a first end to the outlet of the warming conduit and at a second end to the inlet of the cooling conduit; a fluid return conduit coupled at a first end to the outlet of the cooling conduit and at a second end to the pump suction; and a volume of fluid disposed within a closed loop including the warming conduit, the cooling conduit, the fluid feed conduit, the fluid return conduit, the pump inlet, a pumping chamber intermediate the pump inlet and the pump outlet and within a housing of the pump, and the pump outlet; wherein the pump is configured to move fluid through the closed loop; wherein the heat exchanger is configured to warm the fluid moving through the warming conduit as a result of heat transferred from the heat exchanger; wherein the cooling conduit is configured to cool the fluid moving through the cooling conduit as a result of heat transfer from the cooling conduit to a user to whom the planar fabric member is secured; and wherein the fan is configured to move the combustion by-products into the combustion by-product storage member where the combustion by-products are absorbed. an electrically powered fan having an inlet and an outlet; an electrically powered pump having a suction, discharge and a pumping chamber therebetween; one or more batteries to provide electrical current to operate the fan and the pump; a fuel storage container containing a volume of pressurized fuel; a fuel feed valve with an actuator to operate the valve and to control the rate at which a stream of fuel is released; an oxygen storage container containing a volume of pressurized oxygen; an oxygen feed valve with an actuator to operate the valve and to control the rate at which a stream of oxygen is released; a heat exchanger having an interior chamber to receive the stream of fuel and the stream of oxygen; a catalytic member received within the chamber of the heat exchanger to promote reaction of the fuel and the oxygen to produce heat and reaction by-products; a warming conduit having an inlet coupled to the pump discharge, an outlet and a warming portion therebetween disposed in thermal communication with the heat exchanger; at least one combustion by-product storage member disposed to receive a discharge stream of combustion by-product gases from the interior chamber of the heat exchanger; a cooling conduit disposed outside the housing and including an inlet, and outlet and a cooling portion therebetween coupled to at least one planar fabric member that is adapted for being secured to a user; a fluid feed conduit coupled at a first end to the outlet of the warming conduit and at a second end to the inlet of the cooling conduit; a fluid return conduit coupled at a first end to the outlet of the cooling conduit and at a second end to the pump suction; and a volume of fluid disposed within a closed loop including the warming conduit, the cooling conduit, the fluid feed conduit, the fluid return conduit, the pump inlet, a pumping chamber intermediate the pump inlet and the pump outlet and within a housing of the pump, and the pump outlet; wherein the pump is configured to move fluid through the closed loop; wherein the heat exchanger is configured to warm the fluid moving through the warming conduit as a result of heat transferred from the heat exchanger; wherein the cooling conduit is configured to cool the fluid moving through the cooling conduit as a result of heat transfer from the cooling conduit to a user to whom the planar fabric member is secured; and wherein the fan is configured to move the combustion by-products into the combustion by-product storage member where the combustion by-products are absorbed.