These boots are lovely, not an ivory but not a tan, kind of an inbetween shade and so soft.  I have skinny calves and they are plenty loose to wear over my slacks, and both buckles have 3 holes for adjustments.  The zippers are protected by a thin thread sewn below each zipper pull so if you want to use the hiding place you will need to clip the little threads.  Both zippers open to the same large pocket which extends clear down to the boot itself, a huge area that runs the entire length of the shaft. These are for style and not meant to keep your feet warm.  You could keep your mad money in the pockets or even your I.D. if you don't want to carry a purse!