Let me start by saying that the artwork is absolutely beautiful. But I was somewhat disappointed when I received my binder. It does not seem to be up to the same standards as Heidi Swapp's other planner products. The binder itself seems to be made of inferior quality materials. As mentioned by another reviewer, it does not close easily (the binder itself, not the rings). You have to actually shake it down hard. Some of the printing on the calendar pages is very difficult to see. And it is a little confusing that the monthly calendar starts on Sunday, but the weekly starts on Moday. It takes some adjustment. I love the fact that it has different areas for Important Moments, Happenings, Notes as well as a lined and unlined area for each day. I would have liked to see real 5 1/2" by 8 1/2" page protectors. I cannot even seem to find any for sale. Even though it could not be practical if any thicker, a couple phone number pages as well as financial pages would be useful.