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In a world where personal touches mean so much, designer Monica Rich Kosann is known for her lovely lockets, delightful charms, tennis bracelets, rings, and other fine jewelry pieces. The inherent mystery and charm of secret images in lockets gave Kosann her inspiration. "Lockets are the sexiest piece of jewelry a woman can wear. They hold her secrets,” Kosann says. Whether a slim, sleek look, a traditional shape, heart-shaped or with gemstones, a locket holds precious memori