It laid flat against my lower stomach which is 40 inches, not sticking out and was easy to get to.  It held my money and credit cards quite well.  Not a bad product.
Now what needs improving is the height of it.  The front pockets hold credit size cards quite well but do not hold a passport.  Meaning that the passports have to go into where the money goes.  Not the best arrangement (that is the reason for the low grade).  I will be looking for a new one before going to Europe next year.