I agree with that, Andy. I have even experienced trouble with the 20 per page holders-like those "hybrid" binders being sold. I have had to tear the sheet just to get some of my chips out. Who wants that kind of hassle? I just use cardboard type covers and put them in the larger plastic sheets (used by baseball card collectors) that hold 9 per page. When I want to see them, i easily retract them...No fuss, no muss!!