Overall I'm loving my FA book that has been 3 hole punched and put in a binder. However, what I find to be small but very inconvenient aspect is that the type of paper the FA book was printed on is pretty fragile. So constantly turning the pages from one section to another results often in the holes being torn. I just needed to rant about this because I find myself constantly have to put hole reinforcers to keep everything in. Has anyone else dealt with this or am I doing something wrong?