My mistake was that I believed in Rick Steve's name.This money belt seems to be decently made. However, I found one major flaw in this product. The idea is to keep your money, credit card, passport and other items hidden and protected. Yes, it will hide it and keep it prtected. But not when you get soaked or when you sweat. This nice silk money belt lacks the moisture barrier. So, what you have in the money belt will get soaked by rain or your sweat. So, get yourself a ziploc bag and then use this item.There are other products are just as good or better than this product for much less money. You can get one locally at bed, bath & beyond.