Overall - it's really a 3.5 stars for me.

I purchased this bag for an upcoming short business trip to Italy (4 days).  I'm flying Aer Lingus and have the goal of traveling with only what I can carry-on with me.  Given their tighter size restrictions on carry-ons, my usual 'personal item,' a Tumi computer backpack, won't work.  My goal is to hit the maximum I can in the personal item (10x13x8 inches) with maybe a little over here and there but not enough to be easily noticed, and from the description this was the closest thing I found.

What I liked about this bag:  It is a good looking bag, pretty stylish.  The locking zippers are a nice feature.

What it will hold:  I test-packed it.  My 13" ThinkPad laptop fit in only if I took off the case logic neoprene case, and with some creative maneuvering.  My 13" MacBook Pro fit in a little more readily because it is a fraction of an inch less wide and thicker. For both of these, it was the zipper opening and the unstructured nature of the tote that made it tough.  Once I had the laptop in I could pack around it, but some of the things I wanted to pack (my small case with power cords, USB cords, headphones, etc...) didn't fit quite right and with the ultra thin ThinkPad in particular I was worried about damage to the laptop.

What I didn't like:  The zippers are a little lightweight, so I was concerned about how well they would hold up to heavy packing and use.  I obviously plan to stuff the bag full to maximize my carry-on allowance.  For normal tote purposes, the extra zippered compartments would be handy (note that only one of them has a locking zipper), but for my purposes they just cut down on available packing space.  I could see carrying this bag with maps, cell phone and accessories, a smaller camera and accessories, sunscreen, etc... and it being a great bag.

I ended up returning the bag because it didn't fit what I was looking for.  I had ordered a smaller Travelon cross body at the same time which I kept, because I do like the locking zipper and cut resistance features.  If you want a good tote bag and aren't looking to stuff it full of things, particularly things like a laptop computer, this is a good option.  If you're looking for a bag to stuff to the maximum, including a lot of electronics, this probably isn't your best choice.