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My wife is a realist, and didn't want to carry that much money on her left hand. A colored stone (ruby, sapphire) can certainly bring the cost down, as long as she would be ok with it. I seriously lucked out; we used her mom's old setting (platinum), and a 1.33 caret rich blue sapphire was about $500. She is very happy with it. I, however, don't know your woman.
Has she ever commented on other people's rings to you? This would be your best guidance.
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I can't read your signature. Sorry.
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