I really liked this bag on my travels in Europe (London, Amsterdam, Bruges). I found the security very reassuring, although I've never been in a situation where I've been in a really dodgy area. But it was nice to be able to wrap my wallet strap around a chair and secure it with a zip, and at times I felt like I was in a crowded place and decided to zip up too. I was also able to fit a ton of stuff in the bag, like a 16-ounce water bottle, an umbrella, a sweater, and a wallet. The reason for the three stars is that I only used it this summer as I bought it at the beginning of our travels and not overly or obtrusively but daily and the small front zip already comes undone. So I'm a little frustrated with this because it will soon become too flashy to use. Otherwise great bag.
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