1. Coverlet comprising:

right and left front panels, each having a vertical seam edge, a horizontal front bottom edge disposed perpendicular to, adjacent to and below said seam edge, a curved front neck notch disposed generally opposite to said front bottom edge and adjacent to said seam edge, a sloping front shoulder edge disposed adjacent to said front neck notch and sloping downward toward said front bottom edge and away from said seam edge, and a curvilinear front edge disposed adjacent to said front bottom edge and said front shoulder edge having an arched upper front portion disposed concave with respect to said seam edge and an arched lower front portion disposed convex with respect to said seam edge;

means for attaching said right front panel to said left front panel along said seam edges;

right and left back panels, each having a vertical opening edge, a horizontal back bottom edge disposed perpendicular to, adjacent to and below said opening edge, a curved back neck notch disposed generally opposite to said back bottom edge and adjacent to said opening edge, a sloping back shoulder edge disposed adjacent to said back neck notch and sloping downward toward said back bottom edge and away from said opening edge, and a curvilinear back edge disposed adjacent to said back bottom edge and said back shoulder edge having an arched upper back portion disposed concave with respect to said opening edge and an arched lower back portion disposed convex with respect to said opening edge;

means for attaching said right front panel to said right back panel and said left front panel to said left back panel along said front shoulder edges and said back shoulder edges and along said lower front portion of said curvilinear front edges and said lower back portion of said curvilinear back edges; and means for removably attaching said right back panel to said left back panel along said opening edges.

2. Coverlet as defined in claim 1, wherein said opening edge of said right and left back panels is shorter than said seam edge of said right and left front panels.

3. Coverlet as defined in claim 1, wherein said back bottom edge of said right and left back panels is longer than said front bottom edge of said right and left front panels.

4. Coverlet as defined in claim 1, wherein said means for removably attaching said right back panel to said left back panel along said opening edges comprises:

a plurality of hook side VELCRO strips attached to the exterior surface of and adjacent to said opening edge of said right back panel; and a plurality of eye side VELCRO strips attached to the interior surface of and adjacent to said opening edge of said left back panel at positions corresponding to the positions of said hook side VELCRO strips.

5. Coverlet comprising:

right and left front panels, each having a vertical seam edge, a horizontal front bottom edge disposed perpendicular to, adjacent to and below said seam edge, a curved front neck notch disposed generally opposite to said front bottom edge and adjacent to said seam edge, and sloping front shoulder edge disposed adjacent to said front neck notch and sloping downward toward said front bottom edge and away from said seam edge, and a curvilinear front edge disposed adjacent to said front bottom edge and said front shoulder edge having an arched upper front portion disposed concave with respect to said seam edge and an arched lower front portion disposed convex with respect to said seam edge;

means for attaching said right front panel to said left front panel along said seam edges;

right and left back panels, each having a vertical opening edge shorter than said seam edges of said right and left front panels, a horizontal back bottom edge longer than said front bottom edges of said right and left front panels, disposed perpendicular to, adjacent to and below said opening edge, a curved back neck notch disposed generally opposite to said back bottom edge and adjacent to said opening edge, a sloping back shoulder edge disposed adjacent to said back neck notch and sloping downward toward said back bottom edge and away from said opening edge, and a curvilinear back edge disposed adjacent to said back bottom edge and said back shoulder edge having an arched upper back portion disposed concave with respect to said opening edge and an arched lower back portion disposed convex with respect to said opening edge;

means for attaching said right front panel to said right back panel and said left front panel to said left back panel along said front shoulder edges and said back shoulder edges and along said lower front portion of said curvilinear front edges and said lower back portion of said curvilinear back edges; and means for removably attaching said right back panel to said left back panel along said opening edges.

6. Coverlet as defined in claim 5, wherein said means for removably attaching said right back panel to said left back panel along said opening edges comprises:

a plurality of hook side VELCRO strips attached to the exterior surface of and adjacent to said opening edge of said right back panel; and

a plurality of eye side VELCRO strips attached to the interior surface of and adjacent to said opening edge of said left back panel at positions corresponding to the positions of said hook side VELCRO strips.

7. Coverlet comprising:

a front panel having a horizontal front bottom edge, a generally horizontal front top edge having a centered a curved front neck notch disposed generally opposite to said front bottom edge and a pair of mirror-image sloping front shoulder edges disposed bilaterally with respect to said front neck notch and sloping downward toward said front bottom edge, and a pair of mirror-image curvilinear front edges disposed bilaterally with respect to and adjacent to said front bottom edge and adjacent to one of said front shoulder edges, each having an arched upper front portion disposed concave with respect to the interior of said front panel and an arched lower front portion disposed convex with respect to the interior of said front panel;

right and left back panels, each having a vertical opening edge, a horizontal back bottom edge disposed perpendicular to, adjacent to and below said opening edge, a curved back neck notch disposed generally opposite to said back bottom edge and adjacent to said opening edge, a sloping back shoulder edge disposed adjacent to said back neck notch and sloping downward toward said back bottom edge and away from said opening edge, and a curvilinear back edge disposed adjacent to said back bottom edge and said back shoulder edge having an arched upper back portion disposed concave with respect to said opening edge and an arched lower back portion disposed convex with respect to said opening edge;

means for attaching said front panel to said right and left back panels along said front shoulder edges and said back shoulder edges and along said lower front portion of said curvilinear front edge and said lower back portion of said curvilinear back edge; and means for removably attaching said right back panel to said left back panel along said opening edges.

8. Coverlet as defined in claim 7, wherein said opening edge of said right and left back panels is shorter than the distance between the midpoint of said front neck notch and said front bottom edge.

9. Coverlet as defined in claim 8, wherein the sum of the lengths of said back bottom edges of said right and left back panels is greater than the length of said front bottom edge of said front panel.

10. Coverlet as defined in claim 9, wherein said means for removably attaching said right back panel to said left back panel along said opening edges comprises:

a plurality of hook side VELCRO strips attached to the exterior surface of and adjacent to said opening edge of said right back panel; and a plurality of eye side VELCRO strips attached to the interior surface of and adjacent to said opening edge of said left back panel at positions corresponding to the positions of said hook side VELCRO strips.