I’m pleasantly surprised by this down duvet  insert. I must have spent at least 10 hours reading reviews for comforters online looking at them from $80-800. I wanted something with loft and fluff without being too warm as we don’t have AC in the summer. I LOVE this comforter. It’s plushly fluffy, my bed looks so inviting now I’m tempted to crawl in at all hours of the day. It’s about 61 in my room at night right now and I do require an extra blanket on top at night. I know this will be perfect for summer without the extra blanket. Nailed it! Highly recommend. The comforter has loops to tie into your duvet cover not just in the corners but along the edges as well.