we're having this- anything over the cord keeps it wet and smelly, anything under bumps it, wraps go on it, and wool bits get in it! am using a folded down pampers, which just about stays under it but really want him back in cloth. When I can I give him time with just a fitted and no wrap or trousers/sleepsuit so it gets air. The cord fell of last night (yay!) but it's still pretty grim. Got some antiseptic powder from midwife to dry it out, this helps a lot.