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This is a silver cross with black inlay pendant by Montana Silversmiths®. Surrounding the black is a rope edge; at each point are three small black beads with a clear crystal in the center. The necklace is a thick silver twisted chain that is adjustable in size and has a lobster clasp hook. The earrings are an ear post dangle. 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.