Arrogant Sage and the Case of the Missing Diamond

Yes, you heard me right...my diamond is missing. Let me describe my beautiful engagement ring. It was platinum solitare with a little over a 1/2 carat diamond held by 4 prongs. It's those prongs that were my undoing. They have always given me trouble. Pretty much to the point where I didn't really where the ring at all.

I went swimming in a river with friends (a lovely time was had by all), apparently I hit a rock and my diamond is now somewhere in the riverbed.

No worries, ladies and gents. I have INSURANCE...not just renters, but personal policy on just the ring. Here's how it works. My ring was insured for $2500. They don't have to give me that full amount automatically. They have to find me an exact replacement. After finding a replacement, I have 2 options. I can either take the replacement, or I can take what it would cost to get the replacement. Of course, their replacement cost is much lower than if I had tried to replace it on my own. 

The ring they were going to replace it with is already in the blog....Picasa works weirdly. I want  the cash settlement so I can buy a smaller ring and spend lots of dough at Ikea!