Okay so what you are reporting to us is that silver, which closed at 26.97 can be bought in the form of American Eagles (the most popular coin in the world) for a premium of $3.19. That gives us a true price of $30.16. Then of course you have to pay for insurance and shipping so add on another dollar at least. An Eagle then can be bought for about $31.00. Now see if your local coin shop will sell them for that. Likely not. I won't. THAT is the reality of these shiny pictures printed on silver.