I bought this wallet because the one I have carried for almost 10 years would no longer zip. I looked at a lot of wallets and this is the only one that had two separate zip sides and all of the pockets I want. One side has a check book holder and places for my license and insurance and credit cards. The pen holder is handy but I think this wallet has fewer slots for cards than my old wallet had. Still there is plenty of room for my one credit card and my 4 kids insurance cards and all of the appoinment cards I always end up with. The other side has four pockets and a zipper compartment for change. Even thought this is advertised as a "Big Fat Wallet" I actually think it is smaller than my old one. I didn't know what brand it was anymore until I traded my calculator into my new wallet and the name on the calculator is Mundi! I guess that is why I liked this wallet. It already has a bubble in the croc print that will peel off in a few days and leave a bare spot. I only gave it four stars because I think it is kind of cheaply made. Overall though I am pleased with it and will carry it until I wear it out. Probably only 5 years this time.