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I finally have a name for this necklace.
It's the withOrwithOut.
If you wear it as one piece it measures 29 to 32" long depending on the actual necklace.
It has a removable bracelet connected to it.
If you take the bracelet off you can wear it as a matching bracelet.
The necklace becomes a shorter necklace.
If you don't want the key/cross (whatever is dangling off the bottom) on it, it also has a clip to remove it.
So you see? you can wear it 'withOrwithOut'.