The classic penny loafer!  Its been a while since I've worn this style with the hard bottoms.  shoe has soft inserts and is not bad at all.  I don't plan to wear this at work, but on outings with the family like shopping and lunch/dinner or dates.  Should probably be a little more cushion since this shoe has evolved over the years for a hard bottom so that is the only reason why I'm giving it 4 out of 5 starts.  I perfer the hard bottom shoe.  A style that with a nice black sweater and casual jeans will never get out of style!