I got this one at $1.00 over spot, lucky me because I really like this design. It is toned and gives it some great appeal to it. I discovered a small gold & silver exchange close to where I lived. This was one of two that I bought. You know that I never pay high premiums for anything. The highest I will go is $3.00 over spot for old silver, otherwise, I will get it a new-minted silver from an online dealer. Love that moji, sis @kerrisravenhill! Have a fantastic day. Take care!🤗❤️💋