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The process of how a pearl comes to be is pretty cool, if I do say so myself. Pearls are created when an object such as a small rock enters an oyster or mussel. The oyster/mussel than covers the object with something called nacre and a pearl is eventually created. The amount of the nacre coating is dependent on the mollusk, the water composition, and the length of time that the irritant is left inside to develop. As nacre thickness increases, so does the quality and durability of the pearl.