I paid full price for this bag and I'm not getting paid or reimbursed for this review. I was looking for an XL beach bag to replace my old Victoria's Secret tote that I've had for years. This bag is almost perfect. I like that it has a zipper closure. The inside is fully lined. There is one zippered pocket for valuables, and two open pockets: one for your cell phone and another for sunglasses. The outside has one open pocket for easy to retrieve items, although I wish the outside pocket was also zippered so things won't fall out. That is why I'm only giving 4 stars.  Otherwise, the bag looks great. I have yet to use it on my upcoming vacation so i can't speak for it's durability.