First published by Money Metals here: https://www.moneymetals.com/news/2018/08/20/spot-prices-falling-premiums-rising-001598

Gold and silver premiums – the price dealers add to the melt value of an item to cover manufacturing and overhead – began climbing in the past two weeks. Many clients see falling gold and silver spot prices as an opportunity to buy, but some are disappointed to find the premium for the item they want is suddenly higher, negating some of the price drop.