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Cold mornings shouldn't cost you a tee time. This Callaway full-zip pairs lightly quilted front panels with a softer heathered body — the "mixed media" build that traps warmth up front where the wind hits you, without wrapping your shoulders in bulk. A cozy stand collar closes off the draft at your neck, and the synthetic-fill lining does the heavy lifting so the jacket still layers cleanly over a polo or midlayer. It's the piece that lives in your trunk from October through April.