This is a tough one to review. We had issues with the first one. It looked like a damaged return that got passed off as new again. Very frustrating experience. We are a prime member, first package was late, due to Amazon Logistics but they refunded next day and we reordered. Total of 6 days to get a binder that should have been 2. However my husband was so impressed with the product, we took another chance, returned and re-ordered. The second on the leather had some minor imperfections with staining and some minor scratching, but nothing like the first. I will rate this product at the $93 price. 

At this price it equal to a factory second of a much hirer priced binder in the $150-$200 range. The leather is nice and smells good. The size is good and can expand to a full 2 inches thick if needed, which is what my husband wanted. The pockets are nice. It can fit an IPad pro, and if you phone case isn't to thick, a IPhone 8+ or equivalent. If you phone is much bigger it won't fit. The zippers a very nice quality, zip smoothly and are a nice color. It if very presentable, and has a high quality look to it. The downside is it lacks binder rings, but we were able to devise a solution. I would recommend checking this thoroughly under good lighting the moment you receive it. I expect this will last quite some time and wear well.