This is just about perfect for me. I'd have given five stars if the end pockets had zippers, and if there were a jump ring or hook inside for tethering my wallet.  Other than that, I like it a lot and probably will order a couple more.

My smart phone goes in the largest exterior pocket.  (It's a BlackBerry, and a bit larger than most smart phones.)  My keys go in the smaller Velcro pocket in front..  Lipstick, Visine, etc., go in the zipper pocket in front.  One side pocket holds my pens and pencils, with their clips holding them in place.  The other side pocket is where I keep my pepper spray for easy access.  (I've connected the spray to the silver metal strap holder with a screw cable.)  Combs and similar go in the large back zippered compartment.  It's a great purse. Everything else goes inside.