I am completely new to scrapbooking. I have purchased some 12 x 12 insert cards which have 3 punched holes down the left hand side - presumably for a 3 ring binder. When I design my layout, do I leave a margin for these holes - or do I go over the top of them and then pierce through them later on? Most pictures I see don't seem to have a margin or edge? And do I have to use a ring binder? Can these inserts be put into another type of binding?