Echoing sort of what Caitlin said...the image you referenced is actually a bad PhotoShop job. When you zoom in, you can actually see where the 'cut and pasted' the pearl to the pendant. You can also see where they missed erasing a few image edges.
Also keep in mind, that a "0.06 carat diamond" is only 0.012 grams...which is a really really really small stone. Given the incredibly small size of the diamond and the fact that the chain is silver...is it really worth almost $400?
David - Toronto, Ontario, Canada