I love the design of this portfolio, only one suggestion that I could really use. It's perfect except I wish it had small ring binder clips in the center of the portfolio so I could print out and add my own calendars to keep up with my bills along with all other info and stuff I use the portfolio for. Other than that it's perfect. I love the look, style and color. It's the perfect size for everything I need. A calendar would be the only other thing is fine useful and is love to be able to print and just add my own, that way I could use weekly or monthly or both, which I usually do. I still may print my own calendars and just put them into the side pocket when not being used. For this one reason I remove one star. So this gets 4 stars from me.