I have to commend Hammer for an excellent concept and fine exterior craftmanship for this wallet.  With that said less than 4 months of purchasing this wallet and using it daily, the interior which is basically lined with a fine type of material that simply shredded and fell apart from repeated card in/out of sleeves everywhere. I don't really hate it but can't give it a fair shake with anything more than one star to give Hammer a heads up that their product has room for improvement.