Way too much stuff. Notebook, copy of the I Ching, Usually a shirt change, Various mp3 player cords & adapters, cellphone charger, last will and testiment, multitool, cable lock (at times), lighter, 2 or 3 packs of smokes, card keys for the office, garage door opener (okay, so that one is actually hanging on the outside of the bag), pocket knife, bandana, assorted candy bars, spray deodorant, patchkit (but I always carry spare tubes, levers and a microflate under the seat), extra cellphone, and a tie or two.