All in all, I really like this bag.  The many pocket options on the front are nice.  A couple of the front zipper compartments hold a deeper pocket than you think based on the outline of the pocket.  That was a nice surprise, when what looked like a relatively small pocket was revealed to go behind the pocket in front for a nice deep slot.

It has virtually everything I would want...pen holders, checkbook holder, zipper pouch on the inside for coin, wallet, cell phone or whatever.  Virtually everything.  Virtually.  The one item it is missing in my opinion is a key ring holder.  Something that is tethered to the inside of the bag, with a quick release clasp that grabs your keys.  My previous bag had that feature and it was one of the most impressive, yet simple, designs I have grown to love.

All in all a great bag, and yes I can throw my keys in a zipper pouch, but I still prefer the easy access of a specific holder.