Clear As Mud

Recently, I had to get my jewelry reappraised for a new insurance carrier. My most recent appraisals were two years old, so I couldn't add a rider on the spot. The agent told me to "just run over to the mall at lunch and pop into any jewelry store and get them to do an appraisal while you wait."My diamond ring—the piece I was most concerned about losing—has a pear-shape center stone that is partially, but not entirely, tension-set sideways in platinum. It's not a one-of-a-kind design, but because my stone is larger and longer than the ones the designer typically uses, he had to build a special setting. The fact that he is an international award-winning designer adds additional cachet and value to the ring.I explained to her that a proper appraisal of any ring, and particularly a custom-made ring, could not possibly be obtained in a matter of minutes. She replied, "Yes, it can. Everyo

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