Tulcy offers this 3.61 Carat Natural 7mm Round Gemstone with White Topaz Necklace & Earrings Set in Sterling Silver in several center stone colors (Red Garnet pictured) for $399.99. Coupon code "dealnews154" cuts the price to $59.99. With free shipping, that's $640 off list and is the lowest price we could find. It features an 18" necklace chain, spring ring clasp, and stud post back earrings.