I live overseas and travel a bit more than the average person.  I find this product to be invaluable if you are traveling.  It doesn't matter where your going as misfortune can always be around the corner.  I keep my passport, health insurance card, credit cards and extra cash hidden in this 24 hours a day.  I've never had any problems with it related to any quality defects and I feel that anyone traveling should consider using something like this.