I have owned several down comforters in the past so I thought I knew what to look for. I still do, but, unfortunately, you can't believe everything you read in the written description. I sincerely doubt that this comforter has a fill of 650. It does have 14" baffle construction -- however, quite of few of the "boxes" were nearly empty of down. I fluffed and fluffed and fluffed and am still fluffing. It's been about a week. I did want to give it every chance to "fluff up" so I even put it on the bed and slept under it for the past few nights. It's definitely toasty -- but still no down has magically appeared to fill all the baffles. What to do -- what to do .... There's a good chance I may be returning this unless the down comforter elves appear overnight to work their magic. I'm extremely disappointed as the overall construction looks superb -- the fabric is lovely and down definitely does not leak out. I think someone was not paying attention at the factory the day they filled this one with down. I have ordered many times from Overstock and have ALWAYS been very pleased. I'm sorry to have to write this, but "forewarned is forearmed." Short of purchasing an item like this in person there's really no way to check this out beforehand.