I found the same product at local Target that included the dust ruffle and shams for same price I paid for this on Wayfair while it was on a 24 hr special and included using my points for increased discount.  The Duvet set is nice and I do like it.  Quality is okay for the mid $60 price I paid.  Not happy that I could have had a completed set for the same price.  Live and Learn I guess.