Mermaid coins or sea biscuits: Here's the scoop on sand dollars

There's much folklore surrounding the small, fragile creatures known as sand dollars, but what is their life like before they wash up on the shore? 
There's much folklore surrounding the small, fragile creatures known as sand dollars, but what is their life like before they wash up on the shore? 

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Sand Dollars - Sea Biscuits - Sea Cookies - California Seashell Company

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Mermaid coins or sea biscuits: Here's the scoop on sand dollars

Sand dollar - Wikipedia