I've been waiting patiently for DS3's embelical stump to fall off before starting him in his NB cloth. That stump is stubborn! He's 8 days old and it doesn't seem like it will be coming off for a little while longer. Has anyone used cloth over the stump? Did it irritate it? I've been folding the sposie down so it doesn't touch it. He's got such tiny hips. Thanks ladies!