ewelry are those that you wear with your latest dresses, go out in town wearing them, and team them with the latest designer thing in your wardrobe. Fine jewelries are those that you reserve for fine dining occasions. Exclusive club parties, wine tasting affairs, black tie affairs, weddings, etc. You know, where you really have to watch yourself and follow every etiquette rule that you know of, including using the cutlery for their right purposes.