A folder (5) or loose leaf type binder has a novel spine construction using a rigid sheet (10) with a pair of spaced apart creases (12) to form a spine stiffener (20) with adjacent cover stiffeners (22, 24). Since the cover stiffeners (22, 24) extend only partially into cover panels (100) of the binder, a natural break occurs in each of the two cover panels (100) which, in turn, makes the binder easier to handle, prevents the cover panels (100) fro m closing inadvertently, and allows the pages inserted into the binder to lay at a preferred attitude and angle.
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