Filler set for planners includes a full-year supply of daily loose-leaf pages. Two-page-per-day, ruled spreads include appointment times from 7 AM to 10 PM on weekdays, a section for phone calls, to-do list, area to record expenses, full page for diary / work record, & past, current & future months reference. Seven-hole punched refill also includes 12 monthly tabbed calendar / dividers with ruled daily blocks, loose-leaf address / phone directory, advance planning pages, 12 monthly auto mileage / expense forms, set of useful reference sheets, & page locator.