The wallet has enough room for U.S. bills, but with little length to spare. Bills should be placed at the bottom of the bill pocket, which is shorter at the top corners, where there is extra stitching for reinforcement. I would prefer that the unfolded wallet be 1/8 inch (3 mm) longer, leaving more room for bills. I was able to cram 30 rather-new U.S. bills and 20 cards (only one of which has embossed characters) into the wallet and put it in a shirt pocket without having the wallet look very odd. I don't know if the wallet would last a long time with such stress on the fabric and stitching. I might want to carry cash when traveling, but I would leave some cards at home. To reduce the chance of pick-pocketing, I wear my wallet in my shirt pocket, incidentally avoiding wear that would occur if I were to sit on the wallet and cards. Because the card pockets open toward the fold, the wallet could be designed to hold more cards with less resistance, without risk that the cards would slide out when the wallet is closed. Since I have used the wallet for a few months, the card pockets aren't as tight, and the friction coating on the fabric grabs less. Sometimes the corner of a card gets caught briefly in the partially-hemmed front of a pocket. The black wallet looks fine, better than the close-up photos suggest. I don't like the appearance of the logo patch. I have used a black marker on the logo; the black pigment has not transferred to white office shirts. I could use a seam ripper to remove the logo, but it adds a bit of friction that might prevent the wallet from sliding out of my pocket. I would like more friction on the exterior of the wallet, to keep it in my pocket. The logo also lets me orient the wallet by touch. Initially, I did not want the clear plastic windows, or at least not the cut-out ovals. My concern was longevity; I guess that the clear plastic eventually could tear at the ovals. However, I have gotten used to the convenience of confirming by sight that my most-used cards are back in their pockets. The security guards at my office are willing to look at my ID card while it is in a front pocket, with an extra second for scrutiny. The new wallet had a smell, probably caused by the friction coating inside the pockets; the smell dissipated over a couple of months. There are many wallets for sale, but not many in this category (nylon wallets with relatively few pockets, which open toward a single fold). I wish that this wallet had a slightly different design, since I could not find exactly what I wanted, and this is the closest. However, this wallet works as intended, so I am rating it on that basis.