Have you noticed this in your area ? with seller buy backs on GOLD and SILVER ?

Looks like things there a changing, my LCS use to pay 97% of spot on both GOLD and SILVER , now he tells me its only 93% and this is because the refiners are now charging an additional 2% for processing and this is on the good stuff Buffalos, Eagles, Maples
and Krugers and another 1% on bars so is this a temporary thing or is it something we will need to live with..LOL