I don't know why it clearly states "actual size" when the actual size is about 1/4 inch less in each dimension (as is usual with filters). But it works. Clearly it had been cut down from a larger filter and put back together. But since it's a size I can't find in any stores any longer, it was a lifesaver.
My size, 20x32, can't be found in stores. I had been using two 20x16's; was afraid too much unfiltered air was passing through the space in between them. These filters fit perfectly!
This was the ONLY company I could find either on the net or locally that had this large of filter in stock. Most said, "oh use 2 filters to make-it up", which equated to MORE money. Thanks Filter Buy.