I really do not know much about diamonds but I know the more you pay, the buyer should recieve a better quality diamond. I have two questions. My 1st question is do you know if Wal-Mart diamonds are real? Here is a description of what I have in layway, a .75 ctw for $375. I want to say roughly between 7 to 10 nice well rounded diamonds are placed in the center of the 14kt ring. I still have a couple of months to get it out. Before I pay it off, I would like to know, is that a good price? Just by the ct. and price alone, what type of quality do you think I will be getting? When comparing prices thoughout the internet and trying to educate myself in the subject of diamonds I can already tell just by the price alone, what I am paying is a fluke compared to others. I can tell I have a high chance of it being a poor grade. My 2nd question is, what is the difference between ct. and ctw.? I would greatly appreciate your expertise and feedback. Your answers will greatly influence me to either keep it or loose it before I pay it all off. Thanks.