The album itself costs about $20. Refills cost the same per side but don't give you covers. So if you have more pages, just get another album instead of a refill as there is no incentive. Also, the album is made out of cardboard, so as others have pointed out, using refills can result in overloading the design to the point of failure when the frames make contact with the cardboard. The large format album is definitely a plus.
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