I didn't realize I was purchasing a duvet cover rather than a comforter.  I bought a down insert to accompany the duvet cover so I could use it and I have to say the pattern is beautiful on my bed.   I've deducted a star because the duvet is too short and doesn't cover the bottom of my mattress.   I have to move the duvet several inches from the top of my bed so falls down the bottom of the mattress , and still it doesn't cover the whole mattress completely.