This works great for me but I agree with others that a latch is needed on the part that folds. I wear mine open as the zipper is on top for security. Otherwise a great bag, in the front I can carry cards and even a place for a check book, yes I still use it sometimes. The top opening allows you to carry a phone, small wallet and still have space. Only suggestion would be a loop to secure keys so you don't have to search for them in your pocket. Definitely 4.5 stars for me
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