This bag is exactly as it was represented.  I love the separate compartments.  The outside single zipper compartment is my "filing cabinet" for any paperwork, coupons, etc that I want to keep with me.  The smaller of the zippered compartments on the opposite side is perfect for my cell phone and the larger one holds lipstick and keys for easy access.  There's plenty of room on the 2 inside compartments for wallet and checkbook and the separate pouch that's included is perfect for those small items that would otherwise float around inside of a bag.  As always Amazon came through with their fast shipping on my Prime account.