Archie,

I found out about Cowens big and wider holes after I have difficulty using the other brand with smaller holes, now I will surely stay with Cowens brand.

The D-ring binder I paid $23.99 at office depot can hold 40 pages with chips. I prefer this haevy duty 4 inches D ring binder although they have thicker sizes. I think it is by 3M.

Leonidas