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Message:: [QUOTE="GDJMSP, post: 1771301, member: 112"]The point here that matters is that Kentucky is saying what everybody else is saying - toning and tarnish are exactly the same thing. Toning is the term used primarily by coin collectors when talking about their coins, and tarnish is the term used primarily by the rest of the world. The use of neither word is wrong, and the use of both words is correct. Toning, or tarnish if you prefer, is not only caused by one specific thing. Toning/tarnish can be caused by many things. Nor can toning and tarnish be delineated from each other by what caused the toning/tarnish because they are both the same thing - just different words for that thing. Nor does color enter into the picture. Silver oxide and silver sulfide both commonly vary from grey to black in color. Any of the various shades of grey are far and away the most common shade of color seen on toned, silver coins. But toning can also be in just about any color of the spectrum, and or several colors of the spectrum - on the same coin. The color of toning is merely a matter of reflection and refraction determined by the thickness of the film on the coin. As for Coin Armour, I have no idea if it works or not. I'd never even heard of it until this thread. But as they say, the proof (or the lack of it) is in the pudding. I can say this, based on personal experience from using Intercept Shield products for well over a decade, Intercept Shield did work.[/QUOTE]