So it seems like this should really be called a belly belt. I’m in the process of getting my fit correct before my first outing with this pack. When adjusting my 20L Everyday Backpack shoulder straps to the best position, the “waist” belt is pretty much mid-stomach. If I adjust the belt to sit on my hips then the shoulder straps are too far superior (up) and my sternum straps are almost at the base of my neck.