Junctional melanocytic nevi - usually round, flat and brown. Dermal melanocytic nevi - usually raised, sometimes has hair, skin colored or light brown. Halo nevi - the skin around it has lost its color, so it has a white ring around it, hence the name. When the mole eventually fades away, the skin regains its color.
Not too long ago, I was talking with a salesman who worked for a gutter guard company on the Eastern seaboard. He was astonished that people actually paid the prices he quoted them. When he told me he was routinely getting $20 per linear foot for installed gutter guards, I almost fell out of my chair.
The gutter protection market is the biggest consumer rip-off in the home improvement market. Folks (mostly older folks and women) are paying thousands of dollars to get a piece of metal put over their gutters. New gutters cost about $2.50 - $3.00 per foot. But gutter protection costs from $8.00 - $25.00 per foot.