Thus far, I am very satisfied by the portfolio itself. It meets my needs very well. It is attractive and functional.I cannot give this a 5 star rating because of the awful packaging. The plastic wrap is not unexpected, though I encourage companies everywhere to reduce plastic wrapping. There was a large thick insert made of foam-like anti-microbial "stuff” in the binder. I assume it is not biodegradable and will live long in the landfill. Had I known about this packaging, I would have looked for another product.
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