现货黄金价格大跌，多品牌设置退货手续费，“不能因金价降了就退货，退单一律扣500元”

Group 1 - Significant fluctuations in gold and silver prices were observed starting January 30, with silver prices dropping by 35.89% and gold prices falling by 12.92%, reaching a low of $4682 per ounce [1] - As of the close, gold was reported at $4880.034 per ounce, down 9.25%, marking the largest single-day decline since April 1, 1980, while silver fell 26.42%, the largest drop since February 28, 1983 [1] - Analysts attribute the severe impact on gold and silver prices to the nomination of Waller, viewed as a candidate who could "re-anchor the credibility of the Federal Reserve" rather than a belief in aggressive rate hikes [1] Group 2 - Domestic gold jewelry prices have adjusted downward in response to the falling gold prices, with brands like Chow Tai Fook and Lao Feng Xiang reporting significant price drops [3] - Retail policies regarding returns of gold products are strict, with many physical stores not accepting returns after purchase, while online platforms have varying rules, often not allowing returns for investment gold products [4] - Some brands have implemented specific return policies, such as deducting a fee of 1-5% for returns, and certain brands allow refunds only within a limited time frame after purchase [4][6]