Going to school on-line and printing out my books left me looking for good binders to hold all my information. I had tried a store brand and either the rings did not close completely leaving my papers to fall out, or the binder coverings would break apart. I found the Avery binders in many sizes and colors and never had one bit of trouble with them. It was nice to go on-line and make/print out my binder splices and binder cover inserts making my work book look professional. Also, when my husband came down with his cancer I was overwhelmed with insurance claim papers, etc. I started using the Avery binders for these also. I have each year of paperwork, Doctor Bills, Claims paid, etc in them. You have saved me much frustration trying to find a claims filed, paid, etc because I was able to separate with the Avery dividers. Thank you for helping me through such a hard time. I have suggest these binders to many people since.