It's a dainty little cross with enough ruby sparkle to make it shine for the right person. I have reservations about the $99.99 retail value representation, but since I bought it specifically to donate to a charity auction, I can,  in good faith,  describe it as "a 1/2 Carat Ruby Cross in sterling silver--Retail Value $100." As a true reflection of my satisfaction level, I am giving serious thought to purchasing the sapphire one also for the same auction.