A printable blank sheet includes a sheet with a first layer and a second layer attached to a bottom side of the first layer. Slit-over-perforation lines extend through the sheet. The slit-over-perforation lines include cuts running through the first layer, and perforations running through the second layer. A folder pocket is cut into the sheet with a periphery of the folder pocket defined by the slit-over-perforation lines.

A ring mechanism has an elongate body made of a moldable polymeric material and rings for holding loose-leaf pages. Each ring includes a first ring member and a second ring member. The first ring members are movable relative to the housing and the second ring members between a closed position and an open position. At least one ring member for each ring is a separately formed ring member and comprises a ring portion and an anchor connected to the ring portion. The at least one separately formed ring member is formed separately from the body. The anchor of the separately formed ring member is secured to the body for pivoting movement relative to the body. The anchor can be received in a receptacle in the body adapted to receive the anchor.