I'm giving this a three because it is very soft but honestly there's a lot of loose threads. The quality seems very cheap. It doesn't look anything like what's shown in the picture it's not white it's cream colored. It comes with two extra large shams and two regular shams, and two throw pillows that are not very appealing to the eye. if it's economical, Fine might be good for someone who's on a budget but I prefer a more luxurious cotton bedding