Filler set for planners includes a full-year supply of daily loose-leaf pages. Two-page-per-day, ruled spreads include appointment times from 7 AM to 10 PM on weekdays, a section for phone calls, to-do list, area to record expenses, full page for diary/work record, and past, current and future months reference. Seven-hole punched refill also includes 12 monthly tabbed calendar/dividers with ruled daily blocks, loose-leaf address/phone directory, advance planning pages, 12 monthly auto mileage/expense forms, set of useful reference sheets, and page locator..