I didn't want this thread to be taken too lightly, so I thought I'd throw in some pix that might be useful. In the past I used a lot of turquoise. As rocks go its fairly soft, but its still a bear to sand flush with the wood. Sand is mostly quartz, and much harder. I don't anticipate trying to use it. These days I use Inlace, and the colors and special effects are pretty much endless. There's a nice book about using it, though it mostly has to do with decorating gourds.
The first dulcimer has MOP flower petals, piano key ivory, and crushed turquoise for foliage. The second dulcimer is my wife's. All the hearts are MOP. The brown part of the fingerboard is walnut dust mixed with epoxy. The roses are crushed marble and course rosewood dust mixed with epoxy, and the stems are green tempera powder mixed with epoxy. The mandolin has a white pine top with a crushed turquoise rosette and purfling. They were all done in the early '80s, and you might be able to see that the epoxy on my wife's dulcimer got a bit weird with time.
The shedua guitar has a rosette of wood dots in the middle surrounded by rings of epoxy mixed with black tempera powder. Its from the early '90s.
The last rosette is from a contemporary OM guitar, and is Inlace.
More to come.