Ordered this duvet insert for my daughter, I ordered a queen size. Upon opening the package the comforter was very flat as it seemed to be vacuum sealed for shipping. I allowed the comforter time to fluff up. I did notice there were some defects in the stitching, but figured I would have it replaced for one that was not damaged. I put the comforter inside the duvet, there are loops on the comforter to tie your duvet cover on to which is very nice. The downside is the tag on the comforter lists the finished size as 88x92. It is actually 88x84. It fell very short of filling the duvet cover as well as covering the sides of the queen mattress.  I was hoping this would be the perfect all season comforter, it had a nice microfiber shell and it puffed up nicely, but unfortunately I had to return because of the size and stitching issues.