I carry a lot of stuff in my wallet so I needed something with a middle flap/insert that could carry more cards. Thankfully this was one of the reasons for the purchase but man was there some cool other features. The leather quality is OUTSTANDING and smells incredible! When opening the wallet the right end of the billfold has a cut half way down, which might sound weird but when opening up your wallet to reach for bills, it makes it way easy to get what you need and doesn't lose any security of money possibly falling out by having this feature. Great size for a wallet too. Slightly larger than my previous Billabong wallet but I will end this by saying that this is the nicest wallet I've owned to date. Thanks Nixon for making another awesome, high quality product.