1) The material is absolutely unbearable. It's hard as a board and so uncomfortable. 2) These belts suck and the buckles literally leave a mark on me. 3) I don't see any versatility in this handbag. It says it can be worn a variety of ways, but that's unlikely due to the location of the loops. Don't waste $40 on it. I was so looking forward to this because the plaid is my absolute favorite and it would be perfect for fall, but I hate it and will NEVER use it.
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