I have done lots of research but I am still confused about the appraisal process. I've read that some dealers will suggest an appraiser (then they call them on the phone so that they get a good rating). That being said what is the difference of having a stone sent directly to www.diamondclearinghouse.com by the actual jeweler. How can I be assured that the appraiser and the jeweler don't have some secret agreement worked out? And I don't understand - after I get the appaisal and I have the stone mailed back and then I go and get it set how can I be sure then after the stone is set that it hasn't been switched. And who will check my stone after it has been set in the ring. Please explain.