The material of this is as described. I was hoping it would be a bit thicker, but it's not so thin that you can see our white down comforter through it. I definitely think the grey side is really more of a sort of khaki green color compared to the photo. The zipper is definitely hidden -- I can see how the one commenter didn't even see it. I think it's rather a cheap zipper and would not hold up if you plan to take this on and off a lot. But my biggest complaint is that one of the corner ties was completely missing -- well, not completely, there were some white threads there. I did wash this before putting it on the bed, and I didn't look for the ties before I washed it, so maybe they fell out in the wash? but I didn't see them anywhere loose either. So only 3 corners are tied. I knew this wasn't a high priced product, so I guess it's another example of you-get-what-you-pay-for.