Insert cardboard will be removed before shipment in order to reduce shipping cost. Please note that the "shams" (as indicated on the factory packaging) in this set look almost the same as "pillowcases". The embroidery is only on one end of the front side, the backside of the sham is white without any embroidery. Please see the last 4 photos. White is "crisp white". This duvet set includes: One King duvet cover 106" x 96" Two King shams 100% Cotton exclusive of embroidery Machine washable