This is exactly the small bag I was looking for.  I can access the contents without even removing from my shoulder.  It fit all my card and cash as well as a pen and my cell phone.  I don't mind the elastic strap for the cell phone.  I like that I can use this as a small purse and also use it as a wallet nested in a larger purse if needed.  I also carry a briefcase and this fits nicely inside.  I also like the bulky flower pull. It makes it easier to open the zipper and adds a little color.  I think this may be the perfect wallet.