Simply, it is the price that is the tell tale sign that it was purchased from Garrard stock. Seeing as it only cost a fraction of the cost to create large substantial pieces for Queen Mary using her stones (eg. Queen Mary's Fringe Tiara and Queen Mary's Lovers Knot Tiara; both only cost around £200 each and they are substantially larger pieces). This to me, indicates this small tiara was purchased from stock, with the augmented prices indicating that no stones were provided.
Furthermore, the simple fact that Roberts often states when Queen Mary had pieces remodelled into new pieces, as do the Garrard bills, whereas the notes on this piece indicate that it was not remodelled, it was in fact purchased.
Another example, other than Queen Mary's Lover's Knot Brooch, of Queen Mary purchasing items from Garrard stock, is the first of the chain bracelets was also purchased from stock. And the second chain bracelet was commissioned, but all stones were provided by Garrard (other than the detachable brooch).
--Previous Message-- : Summary of the Cambridge Emeralds: : (stated in QD) : : -QM acquried the emeralds in 1910 from Lady : Kilmore : -Emeralds were placed on Delhi Durbar Tiara : in 1911/1912 : -Removed permanently from D.D. tiara in 1922 : -The bandeau in question was purchased in : 1925/1926, but was upgraded in 1932 to adapt : to the emeralds : -The bandeau was bequeathed to the Duchess : of Kent in 1953 without the emeralds. : -1924 QM had the Vladmir tiara adapted to : take the emeralds : : I guess QM really liked to play with her : jewelry. I guess she didn't know what to do : with the emeralds so she adapted a lot her : tiaras to fit with the emeralds. : : In my post above, I was saying the emeralds : were definately supplied by QM. I was : suggesting that maybe the bottom of the : bandeau came from Queen Victoria's Wedding : Necklace. And the rest of the diamonds were : purchased from the jeweller. I just : guessing because, most of Queen Mary's : jewelry was gifts from other people. Most of : the time she just re-worked old jewelry. In : the book, only the Lover's Knot Bow brooch : is a new complete commission. In the : book(related to the tiara in question) it : doesn't stipulate what specifically QM gave : to the jeweller to make this tiara. How do : you know it was a "stock tiara?" : I think I am missing something. :