Next, let's look under the flap of a standard two-flap saddle. First, a dressage saddle:
Point billet: Billet attaches to the point of the saddle tree; may emerge through the rear or the end of the thigh block.
Swing or sliding rear billet: “Self adjusting” rear billet attached via a ring to a nylon strap; the nylon strap is attached at the middle and rear of the saddle tree, creating a “V”.
Knee block: On the top of the sweat flap above the knee; usually triangular shape.
Calf block: On the rear of the sweat flap on some cc and ap saddles.
And now the underside:
Channel: The space between the panels.
Flocked panel- wool (or synthetic fiber) is ‘stuffed’ into the panel. These panels are often the softest of all the panels and break in quite quickly and can be adjusted by adding, shifting, or removing wool.
Swiss panel: Wool flocking encased in felt. These panels can be adjusted by flocking, though not to the degree a plain flocked panel can.
French panel: Foam encased in felt. Can only be adjusted with pads and shims.
Foam panel: Plain foam. As with the French panel, these can only be adjusted with pads and shims.
Close contact saddle: In the States, it's a saddle with a flat seat, square cantle and forward flap that's used for jumping. Elsewhere, the term is used to indicate a saddle of any discipline that has a close "feel".Dressage saddle: Saddle with a long, straight flap and deeper seat used by dressage riders.
All purpose saddle: This saddle is often used by lower-level eventers and trail riders. The seat is usually deeper than that of a close contact saddle, but not as deep as that of a dressage saddle. The flap is usually more forward than that of a dressage saddle, but not as forward as that of a close contact saddle.