I walk every day and one day after walking I came home and went to cool off with a wet, cold facecloth. I wiped the crease at the top of my leg, on the panty line, and the skin tore. I have tried numerous things, diaper rash cream, zinc cream, polysporin but it is still cracked, peeling, red and fairly painful at times (when it starts to dry out and I move then it cracks open again). I have had to buy different underwear as the cracks are right on the panty line so most underwear rubs right on the cracks. I always change my underwear after walking to remove the damp ones and I also powder in that area before I walk. I have also stopped wearing panties to bed at night hoping that if there is nothing rubbing against it is will heal, but it hasn't helped. Any suggestions?