This is one beautiful duvet cover on my king size bed. The background is off-white and has shades of brown, taupe, blue, and a very small amount of olive green that you have to look for to see it.  The fabric is a heavier weight of cotton with texture similar to linen.  I don't have an insert in the duvet yet, but it looks great just as a bed cover. This duvet will work with all seasons.  I couldn't be happier with this purchase and am repainting my bedroom to compliment the beauty of this bed cover.  Thank you!