You're right Cliff. In fact, I've never seen a money belt or single thickness belt from the 1875 to 1890 period that had a keeper (it's actually called a standing loop). There isn't a standard to follow as far as overlap is concerned. Most saddle makers did their own thing and the patterns they used were of their own design. For example, Frank Meanea and J. S. Collins, both in Cheyenne, placed the billets on the money belts they made clear out near the end of the belt. So in this case, there was little if any overlap, depending on the waist size range on the belt. On the money belts I make, the overlap is about 3 inches at the center hole.