Post bound scrapbooks have padded covers.  20 top-loading pages (10 sheets).   Paper inserts are easily removed while protectors stay in album.   8.5" x 11" refill pages can be found at your favorite scrapbook/craft stores and are offered here merely as a convenience (10 pages (5 sheets with page protectors and post extenders)).   Scroll down to see photos and your choice of fabrics.

Cotton Cover - $30.00
Silk Brocade Cover - $35.00
1 set of Refill Pages - $5.00