Speaking of melt, I occasionally get below melt, $3.00 offers for silver quarters I have up on eBay which I have listed at $4.99... it's happened twice to me now... the first time, I put in a counter-offer of $4.79 - we didn't reach a compromise... the next time it happened, I countered at $4.98. He then bought the coin for the original $4.99 price. LOL.