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Understood but the best offer I have so far (from a jewelry store) is only 1/16 of the appraisal. Is the fair market value only 40k-50k?

Hi, I'm selling an expensive necklace of South Sea Pearls that was appraised for $162,500 but have not been able to get offers over $10,000. Is the wholesale/retail price variance this great? Also tried listing on eBay, no luck so far.. "18" South Sea Pearl Necklace AA & A 15-18.8mm 18k 96...