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To buy or not to buy...

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2.5rs

Rough_Rock
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Dec 20, 2008
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that is the question...

I found a ring for sale on craigslist. 1.09ct solitare platinum band. Originally purchased from a very reputible local jeweler in 2001. Today the seller and I met at the Jeweler, he has ALL of the paperwork, including original sale receipt of $11,6xx. the GIA report etc. The jeweler checked it out, showed me the inscription on the girdle that is on the GIA report to verify, cleaned it, looked at it and said it is a very nice stone. The GIA report is as follows:

Shape and cutting style: Round Brilliant
Measurements: 6.62-6.73x4.04MM.
Weight: 1.09 carats
PROPORTIONS
Depth: 60.5%
Table: 57%
Girdle: thin to slightly thick, faceted
Culet: small
FINISH
Polish: Good
Symmetry: Good
CLARITY GRADE: SI1
COLOR GRADE: D
Fluorescence: STRONG BLUE
COMMENTS: Surface graining is not shown. ''xxxxx 2000 042/200'' has been inscribed on the girdle.

for the Key to symbols it lists in this order:
CRYSTAL
NEEDLE
CLOUD
FEATHER
INDENTED NATURAL

the cert date is Aug of 99.

All of that being said, the diamond was very sparkly and looked great (to me, just a regular guy!) The seller is asking 4500, I made an offer of 3800, he said lowest he could take is 4200.

It seems like a very good deal to me at the 4200. What do ya''ll think? BTW, long time lurker first time poster!
 
It''s probably not the best cut you could get, but it could be very nice, especially if it looked nice to you and the jeweler says it''s nice. Pricescopers tend to want the best possible cut, but many people are happy with less-than-top but still handsome cuts.

Did you see it in daylight, to check whether you notice the strong blue fluorescence and, if so, whether you like it?

If you don''t mind buying from a private party, without a return policy; if you don''t mind not getting the best cut you possibly could find; if you don''t mind the fluorescence; if the diamond looks nice to you--then buy it. You''ll be saving $2000-$4000.
 
did not think to look at it in the daylight... d''oh!

i don''t mind buying from a private party, especially this case where ALL paperwork is present and legit. i don''t know if i could tell that much difference in cut, i do like the idea of savings and over all value...

i had previously looked at this stone:

.76 ct
H
SI1
5.92x5.95x3.53
59% depth
60% table
Very good polish
excellent symmetry
no fluorescence
for $3,021 from a local jeweler...


this is crazy... i''ve been lurking on here, looking at all kinds of online places and local store fronts and such and i feel like the more i learn the more difficult it beomces to decide upon a stone!!!!!!!!
 
Date: 12/21/2008 1:59:47 AM
Author: 2.5rs
did not think to look at it in the daylight... d''oh!


i don''t mind buying from a private party, especially this case where ALL paperwork is present and legit. i don''t know if i could tell that much difference in cut, i do like the idea of savings and over all value...


i had previously looked at this stone:


.76 ct

H

SI1

5.92x5.95x3.53

59% depth

60% table

Very good polish

excellent symmetry

no fluorescence

for $3,021 from a local jeweler...



this is crazy... i''ve been lurking on here, looking at all kinds of online places and local store fronts and such and i feel like the more i learn the more difficult it beomces to decide upon a stone!!!!!!!!

really bad deal.
 
If you''ve got that to spend why not get this 1.01 G I1

It''s upgradeable, GIA report with an Excellent cut, and a bunch of other paperwork and photos.
 
Date: 12/21/2008 12:42:50 AM
Author:2.5rs
that is the question...

I found a ring for sale on craigslist. 1.09ct solitare platinum band. Originally purchased from a very reputible local jeweler in 2001. Today the seller and I met at the Jeweler, he has ALL of the paperwork, including original sale receipt of $11,6xx. the GIA report etc. The jeweler checked it out, showed me the inscription on the girdle that is on the GIA report to verify, cleaned it, looked at it and said it is a very nice stone. The GIA report is as follows:

Shape and cutting style: Round Brilliant
Measurements: 6.62-6.73x4.04MM.
Weight: 1.09 carats
PROPORTIONS
Depth: 60.5%
Table: 57%
Girdle: thin to slightly thick, faceted
Culet: small
FINISH
Polish: Good
Symmetry: Good
CLARITY GRADE: SI1
COLOR GRADE: D
Fluorescence: STRONG BLUE
COMMENTS: Surface graining is not shown. ''xxxxx 2000 042/200'' has been inscribed on the girdle.

for the Key to symbols it lists in this order:
CRYSTAL
NEEDLE
CLOUD
FEATHER
INDENTED NATURAL

the cert date is Aug of 99.

All of that being said, the diamond was very sparkly and looked great (to me, just a regular guy!) The seller is asking 4500, I made an offer of 3800, he said lowest he could take is 4200.

It seems like a very good deal to me at the 4200. What do ya''ll think? BTW, long time lurker first time poster!
Welcome!

You will have to go by your eyes with this one and check it out in broad daylight to see whether this diamond appeals to you. Is it a private party now selling this diamond, or a jeweller?
 
Lorelei
private party. we met at the jeweler where the ring was originally purchased. since they sold it as new, they said that they would not have a problem setting it in a different band. my g/f really likes a scott kay pave band they have. so i would have it put in that for her. they said they will not mount stones they didn't sell originally.

one thing that i can't get out my head is the idea that 7 years ago they paid $11,6xx for it and today taking 4,200 i know cars are depreciating assets, but diamonds and platinum rings... :) cash is cash though i guess.



JulieN
you are saying the .76 is a really bad deal correct. any thoughts on the 1.09?

swingirl
am i incorrect to think that the COLORLESS "D" is better than the NEAR COLORLESS "G" and an SI1 is eye clean and therefor better than an "I1" included stone that isn't eye clean? I know bluenile doesn't sell "I1" stones at all...

another question... appraised values, vs market values etc... why would someone (an insurance co) for example insure such an item for a value so much higher than market value?
 
Date: 12/21/2008 4:08:20 AM
Author: 2.5rs
Lorelei
private party. we met at the jeweler where the ring was originally purchased. since they sold it as new, they said that they would not have a problem setting it in a different band. my g/f really likes a scott kay pave band they have. so i would have it put in that for her. they said they will not mount stones they didn't sell originally.

one thing that i can't get out my head is the idea that 7 years ago they paid $11,6xx for it and today taking 4,200 i know cars are depreciating assets, but diamonds and platinum rings... :) cash is cash though i guess.



JulieN
you are saying the .76 is a really bad deal correct. any thoughts on the 1.09?

swingirl
am i incorrect to think that the COLORLESS 'D' is better than the NEAR COLORLESS 'G' and an SI1 is eye clean and therefor better than an 'I1' included stone that isn't eye clean? I know bluenile doesn't sell 'I1' stones at all...

another question... appraised values, vs market values etc... why would someone (an insurance co) for example insure such an item for a value so much higher than market value?
What I would do is to make the sale final on an independant appraisal to check the diamond is as stated and for any possible damage, diamonds can chip so it it would be a good idea to check the stone out. You and the seller could meet there for the appraisal then if all is good, then complete the transaction.

Here is a tool you can use to find an appraiser in your area. https://www.pricescope.com/appr_list.aspx

Is that what they originally paid for the diamond, or was that the recommended retail price which doesn't always mean much? These can be much higher. I also purchased a diamond of similar size and good colour and clarity from a brick and mortar jeweller in ' 99 and paid less than half of that, nor do I remember any diamonds when I was looking be as expensive as that, so I would clarify with the seller.

Appraisal values which are high can be because of the 'feelgood' factor, they aren't a true reflection of the actual value of the piece. If you choose to pay insurance premiums on these inflated amounts then that isn't always wise as the insurance co won't necessarily pay out that amount in the case of loss or damage. A good appraisal can give you a reasonable figure for insurance purposes.
 
Date: 12/21/2008 4:22:02 AM
Author: Lorelei
Date: 12/21/2008 4:08:20 AM

What I would do is to make the sale final on an independant appraisal to check the diamond is as stated and for any possible damage, diamonds can chip so it it would be a good idea to check the stone out. You and the seller could meet there for the appraisal then if all is good, then complete the transaction.


Here is a tool you can use to find an appraiser in your area. https://www.pricescope.com/appr_list.aspx


Is that what they originally paid for the diamond, or was that the recommended retail price which doesn't always mean much? These can be much higher. I also purchased a diamond of similar size and good colour and clarity from a brick and mortar jeweller in ' 99 and paid less than half of that, nor do I remember any diamonds when I was looking be as expensive as that, so I would clarify with the seller.


Appraisal values which are high can be because of the 'feelgood' factor, they aren't a true reflection of the actual value of the piece. If you choose to pay insurance premiums on these inflated amounts then that isn't always wise as the insurance co won't necessarily pay out that amount in the case of loss or damage. A good appraisal can give you a reasonable figure for insurance purposes.

the 11,6xx is what they paid for the stone and the platinum setting that it is in, a total out the door price if you will. i can set up a time to meet them at the appraisers, if there is no damage, do you feel 4,200 is a good price for the ring? I just checked the appraiser link and there are none in KS or MO... closest is in Iowa... D'oh!
 
If you use the search tool above, you can get an idea of prices for online stones, this diamond is $5500 thereabouts, looks similar for specs as an example.

http://search.virtcert.com/cgi/u/1012/v.cgi?stock=8756187&_s=1012&_p=sdf348gd743&_c=&_fs=1&prestock=&_ln=ps

Secondary market is of course a different matter, so I would really recommend you get an independant appraisal to get an accurate idea of what that particular diamond is worth. Maybe if there isn't an appraiser in your area you could arrange to have the diamond sent to one?
 
i can call some jewelers tomorrow, is there a "National Jewlery Appraiser License" or anything i should ask for or verify that the person we take it to has?

http://www.diamondappraisers.net/ has this gentleman listed who is in our area...

Martin Mease, ASA
Shawnee Mission, KS 66216
(913) 248-0248
Gems & Jewerly
 
Date: 12/21/2008 4:51:47 AM
Author: 2.5rs
i can call some jewelers tomorrow, is there a 'National Jewlery Appraiser License' or anything i should ask for or verify that the person we take it to has?

http://www.diamondappraisers.net/ has this gentleman listed who is in our area...

Martin Mease, ASA
Shawnee Mission, KS 66216
(913) 248-0248
Gems & Jewerly
Here you go, this page has information on the appraisal process and the credentials to look for. Make sure that the appraiser you use is truly independant and does not sell jewellery.

https://www.pricescope.com/appraiser.asp

Looks like the chap above has the ASA qualification which is noted in the info linked.
 
An independent appriasal is best. Going to the actual jeweler he bought from is not really unbiased and they are often not as thorough... You have a nice budget and could easily look online for other options so don''t feel obligated to buy the stone.
 
Date: 12/21/2008 2:39:42 PM
Author: beach
An independent appriasal is best. Going to the actual jeweler he bought from is not really unbiased and they are often not as thorough... You have a nice budget and could easily look online for other options so don''t feel obligated to buy the stone.
My thoughts too.
 
The price sounds really good for a GIA stone. Table and depth are nice, although we don''t have the crown and pavilion angles which would tell us more about the cut. The original buyer drastically overpaid, though! It would be great to get another appraisal just for peace of mind.
 
there probably isn''t anyone in the kansas city area on here is there :)

I have not received a call from Mr. Mease yet...
 
Date: 12/21/2008 5:14:49 PM
Author: 2.5rs
there probably isn''t anyone in the kansas city area on here is there :)

I have not received a call from Mr. Mease yet...
Give it a bit more time, he will likely contact you tomorrow.
 
Date: 12/21/2008 4:08:20 AM
Author: 2.5rs
Lorelei
private party. we met at the jeweler where the ring was originally purchased. since they sold it as new, they said that they would not have a problem setting it in a different band. my g/f really likes a scott kay pave band they have. so i would have it put in that for her. they said they will not mount stones they didn''t sell originally.

one thing that i can''t get out my head is the idea that 7 years ago they paid $11,6xx for it and today taking 4,200 i know cars are depreciating assets, but diamonds and platinum rings... :) cash is cash though i guess.



JulieN
you are saying the .76 is a really bad deal correct. any thoughts on the 1.09?

swingirl
am i incorrect to think that the COLORLESS ''D'' is better than the NEAR COLORLESS ''G'' and an SI1 is eye clean and therefor better than an ''I1'' included stone that isn''t eye clean? I know bluenile doesn''t sell ''I1'' stones at all...

another question... appraised values, vs market values etc... why would someone (an insurance co) for example insure such an item for a value so much higher than market value?
I think the reason that swingirl posted that stone was because of the cut quality. Yes, D is more expensive than G, and SI is more expensive than I. But her point was that the stone she posted has a really great ideal cut, which is actually more important to the beauty of a stone than clarity or color, assuming it''s eye clean to your standards. The stone you posted about could be really nice of course, but if cut quality is important to you, you should find out the crown and pavilion agles, because those are really important if you''re looking for great light performance. Also, a lot of people want higher than just "good" polish and symmetry. When I was choosing, I only wanted excellent, but many people say that very good is just as good for all practical purposes. Also, strong fluorescence in a D color should be looked at in all different kinds if lighting. I happen to like fluor., but not everyone does, particularly strong flour. in a D color. Keep in mind that most stones will look good in a jewelry store. You want to check it out in all different kinds of lighting anyway.

Most people on pricescope want THE best cut possible and swear by their beautifully cut diamonds. I happen to be one of those people. If I were in your situation, I''d be looking for a little more info before buying. I''d get the crown and pavilion angles, maybe an idealscope or ASET image, and make sure the fluorescence wasn''t an issue. If I was satisfied after all that, I''d consider it a great deal. HOWEVER, most people (in the real world but not on pricescope) are not into cut quality as much as I am and would be perfectly satisfied with something other than ideal. Only you can make that call though. You said you were a long time lurker, so it sounds like you really want to get something great, but only you (or the reciever of this ring) can decide if the savings are worth it.
 
I think the reason that swingirl posted that stone was because of the cut quality. Yes, D is more expensive than G, and SI is more expensive than I. But her point was that the stone she posted has a really great ideal cut, which is actually more important to the beauty of a stone than clarity or color, assuming it's eye clean to your standards. The stone you posted about could be really nice of course, but if cut quality is important to you, you should find out the crown and pavilion agles, because those are really important if you're looking for great light performance. Also, a lot of people want higher than just "good" polish and symmetry. When I was choosing, I only wanted excellent, but many people say that very good is just as good for all practical purposes. Also, strong fluorescence in a D color should be looked at in all different kinds if lighting. I happen to like fluor., but not everyone does, particularly strong flour. in a D color. Keep in mind that most stones will look good in a jewelry store. You want to check it out in all different kinds of lighting anyway.

Most people on pricescope want THE best cut possible and swear by their beautifully cut diamonds. I happen to be one of those people. If I were in your situation, I'd be looking for a little more info before buying. I'd get the crown and pavilion angles, maybe an idealscope or ASET image, and make sure the fluorescence wasn't an issue. If I was satisfied after all that, I'd consider it a great deal. HOWEVER, most people (in the real world but not on pricescope) are not into cut quality as much as I am and would be perfectly satisfied with something other than ideal. Only you can make that call though. You said you were a long time lurker, so it sounds like you really want to get something great, but only you (or the reciever of this ring) can decide if the savings are worth it.

you hit the nail on the head with the "for all practical purposes" line. I do want a great stone/ring, it MUST BE eye clean, which this one was, I WOULD NOT be satisfied with a NON EYE CLEAN stone, no matter how good the cut/polish was. i don't want to look at a stone, especially one that is > 1.0ct and see anything in it at all with my naked eyes. the jeweler yesterday said that a strong blue fluoresence was rare in a stone like this with the D color. any truth to this? I do understand most on here are all about their Ideal Cuts and measurements, the truth of the matter though for me/us is that we don't hang out with "diamond people" and we as best i can tell won't find ourselves getting into some "my cut/polish is better than your cut polish" pissing match with any of our co-workers, friends, or family members. we're not going to pull out our idealscope images, our ASET images or the like. Everyone we would encounter would be blown away by the fact that it is over a carat, colorless and that they wouldn't see inclusions in it. :)

I now realize i'm trying more and more to convince/justify to myself that this is a great deal, and I'm sure some of it has to do with the fact that i'm honestly kind of sick of looking, comparing and thinking about spending this kind of money on a rock.
25.gif
hopefully mr mease calls tomorrow and we can meet with him and he can provide crown and pavillion angles and an idealscope and or ASET images. I will of course keep ya'll updated! I really do appreciate everyones input very much!
 
You know what? Given your priorities, I think you should go for it. That is, assuming an independent appraiser says it''s undamaged and nicely cut, and assuming you like the look of fluorescence in daylight (and the overall look of the diamond in various light conditions, not just the jewelry store).

Sometimes good enough is good enough.

Many people on this board have extraordinarily high standards for cut. But this stone doesn''t sound like it''s badly cut; you liked it when you saw it; the deal sounds legit; and it sounds as if you aren''t looking for cut perfection. From what you''ve said, I think you would rather get a great deal on a D color, eye-clean, over-a-carat diamond than spend more money for something smaller, lower color, and possibly not eye clean.

I''m saying that as someone who wears a super-ideal J I1 diamond. My exquisitely cut, lower color/clarity diamond fit my priorities. But that''s me, not you. It sounds as if this un-super-ideal but still nicely cut, high color, inexpensive diamond will fit yours.

What about your lady? Do you think she shares your general priorities regarding the diamond?
 
Date: 12/22/2008 1:39:12 AM
Author: glitterata
You know what? Given your priorities, I think you should go for it. That is, assuming an independent appraiser says it''s undamaged and nicely cut, and assuming you like the look of fluorescence in daylight (and the overall look of the diamond in various light conditions, not just the jewelry store).


Sometimes good enough is good enough.


Many people on this board have extraordinarily high standards for cut. But this stone doesn''t sound like it''s badly cut; you liked it when you saw it; the deal sounds legit; and it sounds as if you aren''t looking for cut perfection. From what you''ve said, I think you would rather get a great deal on a D color, eye-clean, over-a-carat diamond than spend more money for something smaller, lower color, and possibly not eye clean.


I''m saying that as someone who wears a super-ideal J I1 diamond. My exquisitely cut, lower color/clarity diamond fit my priorities. But that''s me, not you. It sounds as if this un-super-ideal but still nicely cut, high color, inexpensive diamond will fit yours.


What about your lady? Do you think she shares your general priorities regarding the diamond?


She shares the same priorities, I''ve done more research, as she is not a "jewelry girl". We have been dating for 5 years now, and I''ve never seen her in any jewelry besides plain solitare earings and a necklace i got her. she has picked out a scott kay pave ring from the contemporary collection, it''s on page 11 top center of the scott kay website. M1251R510MM is the code for it.

Hopefully i can make contact with Martin Mease tomorrow and set up an appraisal appointment and we''ll see how it goes. couple of questions, will he be able to provide the crown and pavillion angles? do most appraisers who are ASA/GSA registered work with or use the gemadviser or diamondcalc programs?
 
Just to clarify, my reason for posting the stone I did was to point out that when you buy a stone from a private party on Craigslist you should be getting a heck of a deal, not the same price you can get from a reliable vendor with an upgrade policy, tons of verifying information and a selection to choose from. I have found a lot of people selling stones and jewelry on Craigslist really overpaid and now want to recoup their money. It is rare to find an AGS on Craigslist and most of the time people think their inflated appraisal is what the item is actually worth. Unfortunately, I think the seller paid way too much in 2001.

By posting a stone close to your budget I wanted to show that you could get a beautifully cut stone of the same size if you dropped in color and clarity, not that this was the perfect stone, just that there are options out there. Of course, if you want to go through the steps of having the Craigslist stone appraised and are happy with it, that’s great. I am guessing that the D is a very important factor for you and Ds are harder to find.

I hope it works out and that you get something you are very happy with.
 
Well I just got off the phone with Mr. Marty Mease and I learned ONE THING... I AM IN THE WRONG BUSINESS!!!

He asked me about the stone, I told him what was on the GIA report, to which he said he was not fully listening, and if I wanted to continue our conversation it would be $50 because it''s what he does for a living, and if I wanted him to look at the stone and print off an insurance appraisal it would be $125.

GIA School here I come!
22.gif
 
Date: 12/21/2008 6:08:59 PM
Author: 2.5rs
I think the reason that swingirl posted that stone was because of the cut quality. Yes, D is more expensive than G, and SI is more expensive than I. But her point was that the stone she posted has a really great ideal cut, which is actually more important to the beauty of a stone than clarity or color, assuming it's eye clean to your standards. The stone you posted about could be really nice of course, but if cut quality is important to you, you should find out the crown and pavilion agles, because those are really important if you're looking for great light performance. Also, a lot of people want higher than just 'good' polish and symmetry. When I was choosing, I only wanted excellent, but many people say that very good is just as good for all practical purposes. Also, strong fluorescence in a D color should be looked at in all different kinds if lighting. I happen to like fluor., but not everyone does, particularly strong flour. in a D color. Keep in mind that most stones will look good in a jewelry store. You want to check it out in all different kinds of lighting anyway.

Most people on pricescope want THE best cut possible and swear by their beautifully cut diamonds. I happen to be one of those people. If I were in your situation, I'd be looking for a little more info before buying. I'd get the crown and pavilion angles, maybe an idealscope or ASET image, and make sure the fluorescence wasn't an issue. If I was satisfied after all that, I'd consider it a great deal. HOWEVER, most people (in the real world but not on pricescope) are not into cut quality as much as I am and would be perfectly satisfied with something other than ideal. Only you can make that call though. You said you were a long time lurker, so it sounds like you really want to get something great, but only you (or the reciever of this ring) can decide if the savings are worth it.

you hit the nail on the head with the 'for all practical purposes' line. I do want a great stone/ring, it MUST BE eye clean, which this one was, I WOULD NOT be satisfied with a NON EYE CLEAN stone, no matter how good the cut/polish was. i don't want to look at a stone, especially one that is > 1.0ct and see anything in it at all with my naked eyes. the jeweler yesterday said that a strong blue fluoresence was rare in a stone like this with the D color. any truth to this? I do understand most on here are all about their Ideal Cuts and measurements, the truth of the matter though for me/us is that we don't hang out with 'diamond people' and we as best i can tell won't find ourselves getting into some 'my cut/polish is better than your cut polish' pissing match with any of our co-workers, friends, or family members. we're not going to pull out our idealscope images, our ASET images or the like. Everyone we would encounter would be blown away by the fact that it is over a carat, colorless and that they wouldn't see inclusions in it. :)

I now realize i'm trying more and more to convince/justify to myself that this is a great deal, and I'm sure some of it has to do with the fact that i'm honestly kind of sick of looking, comparing and thinking about spending this kind of money on a rock.
25.gif
hopefully mr mease calls tomorrow and we can meet with him and he can provide crown and pavillion angles and an idealscope and or ASET images. I will of course keep ya'll updated! I really do appreciate everyones input very much!
20.gif
NO....

Also, realize that cut is what will make the stone actually sparkle. You can even have an eyeclean piece of glass, but if it isn't cut with the right angles (think of a regular window being a piece of 'not the right angles' glass, versus a piece of glass cut with angles to get a beautiful prism effect), then it is just a nonsparkly (albeit eyeclean!) unremarkable piece of glass.
1.gif
 
Date: 12/22/2008 11:26:56 AM
Author: 2.5rs
Well I just got off the phone with Mr. Marty Mease and I learned ONE THING... I AM IN THE WRONG BUSINESS!!!

He asked me about the stone, I told him what was on the GIA report, to which he said he was not fully listening, and if I wanted to continue our conversation it would be $50 because it's what he does for a living, and if I wanted him to look at the stone and print off an insurance appraisal it would be $125.

GIA School here I come!
22.gif
I'm not sure what an appraiser could tell you over the phone without seeing the stone. Were you hoping he could tell you what a stone with those GIA specs was worth? Or whether or not the stone was a well-cut stone?
I understand him not wanting to work for free over the phone unless you already had a relationship with him. But there is lots to read about and compare on PS.
 
I actually wanted to schedule a time to have him look at the stone, and provide a professional in depth appraisal of the stone. I would have no problem paying $$$ for that had he not been so off putting and short after he ASKED me to tell him about the stone. He told me he didn''t need my business, so he doesn''t get it. I am very envious actually, it must be nice during these times with this economy to be able to turn business away and not care.

One comment that he did make that I can''t get out of my head is that the proportions are listed at near perfect, and we both should know that with a finish of good and symmetry of good that that is not really the case or something to that effect.

anyways enough effort there.

:)
 
How could the proportions be near perfect when he didn''t have the angles? I am guessing he meant "near perfect" for the average person---but definitely not for the PS cut nuts!

It is probably a good thing that he didn''t need your business!
 
That was my thought too. Oh well, onto bigger and better(cut) stones!
 
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