A thermal blanket (300,350,380,400) comprising: an inner fabric layer (121,431,451,621); an outer fabric layer (122,432,452,622); and a unitary fabric element between the inner fabric layer (121,431,451,621) and the outer fabric layer (122,432,452,622), the unitary fabric element having a multiplicity of predetermined discrete regions of contrasting insulative capacities, the discrete regions being arranged based on insulative needs of corresponding regions of a user's body, characterised in that at least two of the predetermined, discrete regions of contrasting insulative capacities comprise in one or more first discrete regions of the unitary fabric element, loop yarn having a first pile height and/or a first pile density, the one or more first discrete regions corresponding to one or more regions of the user's body having first insulative needs, and, in one or more other discrete regions of the unitary fabric element, loop yarn having a second pile height and/or a second pile density, the second pile height being different from and relatively greater than the first pile height and/or the second pile density being different from and relatively greater than the first pile density, the one or more other discrete regions corresponding to one or more regions of the user's body having other insulative needs different from and relatively greater than the first insulative needs; and in that the outer layer (122,432,452,622) comprises a multiplicity of predetermined discrete regions of contrasting insulative capacities corresponding to the multiplicity of predetermined discrete regions of contrasting insulative capacities of the unitary fabric element. an inner fabric layer (121,431,451,621); an outer fabric layer (122,432,452,622); and a unitary fabric element between the inner fabric layer (121,431,451,621) and the outer fabric layer (122,432,452,622), the unitary fabric element having a multiplicity of predetermined discrete regions of contrasting insulative capacities, the discrete regions being arranged based on insulative needs of corresponding regions of a user's body, characterised in that at least two of the predetermined, discrete regions of contrasting insulative capacities comprise in one or more first discrete regions of the unitary fabric element, loop yarn having a first pile height and/or a first pile density, the one or more first discrete regions corresponding to one or more regions of the user's body having first insulative needs, and, in one or more other discrete regions of the unitary fabric element, loop yarn having a second pile height and/or a second pile density, the second pile height being different from and relatively greater than the first pile height and/or the second pile density being different from and relatively greater than the first pile density, the one or more other discrete regions corresponding to one or more regions of the user's body having other insulative needs different from and relatively greater than the first insulative needs; and in that the outer layer (122,432,452,622) comprises a multiplicity of predetermined discrete regions of contrasting insulative capacities corresponding to the multiplicity of predetermined discrete regions of contrasting insulative capacities of the unitary fabric element.