My duvet insert came with some loose stitching :/ however, Mommesilk's customer service got back to me super fast and offered to send a replacement or a refund without having to mail back the original. I was really grateful, and since I did not need two comforters, I decided on the refund and found someone in town to put a few extra stitches in for me. We are absolutely in love with this comforter! It is pretty thin, but I slipped it into a duvet and we top it over a cotton quilt. I got it to replace a heavier down comforter that was too hot with a duvet and too hot to be paired over our cotton quilt in general. I am super glad it worked out! I only downgraded it to four stars due to the stitching issue, otherwise it's awesome. The photo is the of the blanket in the insert, it's not crazy fluffy and perfect for what we were looking for. We also ordered the queen/full size to better fit in our washing machine and it is perfect. Thanks!