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Keep a supply of lined, hole-punched index cards to the exact spread of your SIMPLE Prayer binder. Includes 20 cards. (Spreads for standard hole-punched index card changed after the production of the SIMPLE Prayer binder. If you purchase hole-punched index cards or order them online, they may not line up with the spread of your binder even if the picture appears to have the same spread. Trust me…I have untold numbers of hole punched cards with the wrong spread. )