The checkbook cover I received is a smoother, softer leather than the picture shows (my friend got one of these earlier and hers looks like the leather in the picture).  Mine also "crinkles" when I write a check.....it's got to be the lining (which is bigger than the leather so there's a wrinkle showing through).  And the check divider for duplicate checks is a thin, clear plastic; not like it is pictured. Over all, I did not get what I thought I ordered.