STERLING SILVER: Also known as "Standard Silver," sterling silver is silver alloyed with other metals to increase the hardness and durability. Generally, sterling is 92.5% silver and 7.5% other metals. Some sterling silver jewelry is plated with 14kt-18kt gold and referred to as "vermeil," or "gold over sterling."

18KT: Karat (abbreviated kt or K) is a unit that indicates the purity of gold in the metal. 18kt is 75% gold. In Europe, 18K yellow gold is most favored and used in jewelry.

SAPPHIRE: A favorite gemstone of ancient priests and royalty, the sapphire radiates sophistication and grace. This prized gem comes in every hue of blue, plus the more unexpected shades of pink, yellow, green and orange, and is September's birthstone.