I have a recent laboratory certificate stating the stone is natural with no heat treatment. Diamonds weigh approximately 0.30cts. Current size K 1/2 (U.S. 5 3/8).  I offer layaway on all items purchased for full retail price. In general my layaway terms are 1/4 down and 1/4 in 30 days and  1/4 in 60 days and the final 1/4 in 90 days. I am flexible so if you are interested please ask me and we can work out a payment plan that suits you. Items ship when payment is complete and cleared. Items purchased on layaway are not eligible for return.