The duvet, shams and pillows are just as pictured!  The colors are very bold, as pictured, as well!  The material is quite thin on the duvet and shams, but it should be fine if its well cared for.  You will need an insert for this duvet, as it is just a cover.  I had specifically asked this question online and received an incorrect answer!  Overall, I am pleased with this purchase and would recommend it!