This is a long-selling and popular household budget book. I received it from a bank, but I won't be using it, so I hope someone can make use of it. As shown in the third photo, the bottom right corner of the cover is slightly lifted, but it shouldn't affect use. The name of the financial institution is printed on the bottom of the cover. I just received it, but it has been handled by someone else, so please refrain from purchasing if you are concerned about minor details. I will use recycled, used packaging materials and ship with simple packaging.