hi stuart and mhynne,
when i submitted my application for visit visa before I used expandable folder and put labels on each but they aske dme to remove it one by one so i have to bring home the folder that i have by then.
and then since i knew already that they won't accept my folders I used big paper clips just to separate my docs from the originals to photocopy but still they asked me to remove it again.
u can put ur documents wherever u like, in folders, paper clips or even in envelope but when u submit it they will just give it back to u and will just get the documents..
they will ask u to separate ur documents by the originals and photocopies based on the checklist they have provided.
Good luck on ur applications!
