Hi gals! First of all, I survived my one year ban! Yay! Some of you may recall that I had a hard time deciding between the Cozy and Ludlow. Well, after looking at both at the stores (several times, I must add!), I've decided that I like the Ludlow better. It's got separate cc slots and I'm a sucker for monogram. The bf got it for me as an early birthday present - very early, my birthday is in August!, and as a mark of our five years together. Here's a pic of it. The SA gave us a catalogue too.