Ralph pays 80% of the market price cash.

14k table

Sample: gold price: $1,200.00 x 80% =960.00 x 0.55%=528.00/ 31.1=$16.97 gram

10k table

Sample: gold price: $1,200.00 x 80% =960.00 x 0.39%=374.40/ 31.1=$12.03 gram