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This is a silver and clear crystal jewelry set by Montana Silversmiths®. The pendant is a horseshoe with clear crystals. This jewelry set is coated by ?Montana Armor". This is a technological breakthrough that gives all Montana Silversmiths® products a tarnish free protection. This patented process is guaranteed for life not to yellow or tarnish. ?Montana Armor" is 10 times stronger than lacquer; created in Columbus, Montana.