Thanks for the answers & respones all. Very helpful. Glad I was able to get the message out that, at least for me, it's a comfort thing. I'm not huge but I'n not small either. Every time I walk the beach & I'm wearing a bikini top, that knot or strap on my neck reminds me of how nice it is to NOT have my top on when I'm in my lounger. When I first started going in the mid 80's there was lots more topless than the last 15-18 years.