20 Dollars - Elizabeth II Ladybug

The RCM's ongoing "Insects of Canada" and nature-themed fine silver programs have leaned heavily into novelty finishing since the mid-2010s, with selective rhodium plating and applied gemstones becoming a house specialty. Garnet and black sapphire serve here as functional color elements rather than ornamental luxury — rhodium plating on the ladybug itself prevents tarnish on a surface that would otherwise oxidize unevenly against the matte silver field. Mintages on these themed issues are typically capped low by design, making secondary market availability thin within a year or two of release.