I received a ring from Zales as a gift. After less than 18 months, the setting fell out. Zales will not repair my ring unless I pay for the labor and the replacement stone. I checked their extended warranties and lifetime protection plans. None of them cover the cost of replacement stones and only the lifetime protection plan will cover the replacement cost of diamonds. So now I have an ugly frame for a ring and I will have to fork over even more money, on top of my giftor's purchase price, to have something that I would wear. Make no mistake, Zales---and Kay's by extension as a sister company---*will* not stand behind the products they sell, unless you are willing to fork over even more money for an extended warrantee that covers nothing more than the bench fee of their repair service. And don't forget, any piece of jewelry that you might wish to sell, will bring only a fraction of the original purchase price... maybe 25% at best.