how do u define

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I pretty much do base it on the metal used and the quality of the stones if any. If it's gold and they use junk stones I don't qualify it as fine. But if it's gold or plat and has nice quality stones, I consider it fine. I don't consider silver fine regardless of stone quality.
 
^^I'd define costume jewelry as jewelry that is often plated, large and statement. Usually not made of quality metals.

Gold, Platinum & silver (I think) would be fine jewelry if it solid.
 
I consider fine jewelry to be made from silver, gold, platinum with or without real gemstones.
Costume to me would be plated metals and rhinestones/cz.
 
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