Thank you Richard Sherwood, I see now that the facets are just cut off at the tips which then becomes the culet.
The stone I have has a round not octagon shaped white dot which reflects into the crown facets when looking with a loupe through the bezel facet. As Barry said it may be the diamond rough I am seeing. It looks sort of like pinpoints. I don't know why they did not polish the culet unless as Barry said to save rough. Would it be because my diamond is not certificated that they did not bother to polish this. I have also noticed five stones in a chain store who have the same when looking at them with a loupe.
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