Finlay "Fine" Jewelry is not going to last you through the years. If you like it and can afford it, great...but it will likely break over and over again within the first to second year you own the piece. I, like most consumers believed when I purchased something from Macy's or Carson Pirie Scott or Bloomingdales...that it was of that quality. WRONG!!! It has a sales tag to match, but the quality is Value City all the way. I almost hate to admit it, but at stores like Target and Walmart, they at least know stone grading methods and carats. Finlay knows nothing. All they know is high pressure "sales" tactics. Also, a word to the wise...do not return broken jewelry to them, you will lose the item for several months to replace or repair the item. Take it to a real jeweler; it will cost more...but TRUST ME...it will be more than worth it. Overall, I'd stay away from Department Store "Fine" Jewelry. In my honest to goodness opinion, their "costume" jewelry will last longer. They also have no way of contacting corporate. The entire company is a scam. STAY AWAY!!!