I received everything yesterday, a greatly packaged product, and even more so, a better ring. My complete experience withwas great, I can''t qoute the customer service as far as advice, I refered here primarily and some other not so great sites for information. The third party appraiser, which I was linked to from this site (L.I.N.Y.), Gemevaluation.com, was a top-notch place to go, discrete-(nicely), and very professional atomosphere, Kudos! did give me an in house appraisal, much higher than I had purchased the ring for. I am choosing to insure the whole package for the purchase price until maybe three to four years from now, the another appaisal from the same appraiser. Chubb insurance gave me a whole package at reasonable rates, more to come on that. Well that''s the whole story so far, more news to come! Thank you all for your help and posts, I''m thinking of becoming a gemologist, just for the fascination in this field.