The overall rating and processing was only reduced due to "personal" wishes for this thin wallet. I really love this wallet and use it every day. I have noticed that the 'carbon fiber' outer layer has what I would call 'sharp' edges? Not very sharp as sharp, but they are very square and eye-catching. I want all the outside edges to be "wrapped" like the inside edges where you insert your cards. It would make this Slim Wallet 5 in every way and craftsmanship. I decided to "remove" the money clip to make it just for cards and make it thinner. Hope that helps.
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