The innovative closure has some adjustment so don't worry about overstuffing your journals with mementos. One insert is included. Paper is lined or blank- you choose. Ribbon bookmark is included. Any 5.5 x 8 inch insert should fit. A wonderful gift for a special someone- Use the first page to record why he/she is special to you before giving gifting it. You will re-make his/her day every time the book is opened.