I loved the modern look and the rubber material used on this binder. But after loading it I wasn't pleased with how the cover sags or hangs down below the horizontal bottom edge. Gravity and the "lazy" cover means that the contents also drop below parallel and it just isn't functional. Also maybe it's just me - but "heavy duty" doesn't really mean much these days. The rings on all the heavy duty binders are cheap and don't snap tightly. When full I turn pages and they slip out of the closed connection. We need to return to the STURDY old binders of days gone by.