lol Dusty - you cant wear a pencil skirt on a horse! it is actually a thing called an apron! it has to accomodate the tree which comes up between your legs.....
maybe i should rephrase that! it has to accomodate the bit of the saddle that you wrap your thighs around!
BTW it gives you very overdeveloped thigh muscles too!
I'll just shut up now...Dusty has probably had a coronary thinking about arses