We have bought plenty of gold and diamonds in the Caribbean over the years most of it from our jeweler in St. Thomas. The appraisal that we receive is always higher than what we bought it for. I, like you don't put that much stock in the higher appraisal. I usually go by the exact price paid. We will be in the Caribbean in December and DW wants to trade one of her rings for something larger. I will see if my jeweler goes by the appraised price or the actual price. We'll see.