Exactly as described. I'm not sure I'll ever use a plastic photo insert. The rest of the organizer is excellent. Plenty of room for credit cards that fit comfortably in the compartments. Checkbook fits. For me, the choice of color was crucial. I really like light brown as it's easier to find in a briefcase or on a desk. Also fits in a pocket if I have to carry it that way. Seems well made and inexpensive.
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