Dear Mary: I love your articles, and I have learned so much from you about which products to purchase. I don’t know if you have ever written anything about down comforters, but I am looking for one that is machine washable, not too expensive, can be used year round and has a lot of loft. — Jackie

Dear Jackie: I’m humbled by your trust in me to make a recommendation for an excellent down comforter. The first thing you need to know is how to rate “down.” Down is the layer of fine feathers found under the tougher exterior feathers of ducks or geese. It’s the good stuff! A down-filled comforter is, not surprisingly, filled with down and quite luxurious. Down is a very lightweight insulator against cold and also against heat. It is a natural wonder and makes for a fantastic blanket, year round.