Every day it seems we hear about another jewelry store closing or in bankruptcy. Jules R. Schubot in Troy, Michigan; Standt’s in Muncie, Indiana; Carrol’s Jewelers in Coral Gables, Florida; and Mednikow’s branch in Atlanta are just a few of the big-name independents recently announcing they are closing. Leo Robbins & Sons in Philadelphia is being forced into bankruptcy. And the Finlay going out of business sale is going on across the country.