Starter set includes a durable cover, a supply of undated calendar pages, tabbed address / phone directory, tabbed monthly dividers, a 24-sheet lined note pad, business / credit card holder, vinyl zip pouch & handy reference pages. Planner cover closes with a snap-tab & holds pages with seven 1" rings. Croc Embossed recycled leather cover is made from 75 percent recycled fibers with 100 percent recycled core materials. Tabs are printed on paper containing at least 30 percent post-consumer content.