if you were to see it in person you could see alot of the hair lines. Exept the high points of the design are weak. The back still has nice detail though. My dads friend from New York(one of the biggest coin dealers in the world) saw the coin and he said it was Ef-45 i thought it was Ef-40 other people at coin shows thought that it was around the same grade too.
This coin also has a slanted "s" to the right i know that that is one of the vams for this date, was woundering if that brought in a couple extra bucks.
No offense, but if you want us to grade your coin, you need to learn how to take proper pictures of it.
For that Morgan, I'd use a dark background, lots of natural light (Windowsill or go outside?), and shoot a picture of it straight on with no magnification or anything. Oh, and I'd host the images on either Photobucket.com or imageshack.us, don't resize them.
likely 35 at pcgs, maybe an outside shot at 40... I don't think it has a shot at 45 from pcgs. If you sent it in and it: 1 - graded and 2 - made 40.. then as has been said, your looking at around 1k give or take a couple hundred.
I'm not quite sure why you are asking this question. You say one of the largest dealers in the world called it an XF, everyone at the show thought it was an XF, you think it's an XF. Someone says they think it's a VF and you argue with them. Do you want grade opinions or do you just want us to tell you that it's a XF? Your second set of photos are MUCH better thanks, and I do think it's an XF.
IMHO XF40 but PCGS may get you on a cleaned coin, old cleaning but cleaned. Hard to tell with a 2D flat photo.
Vam 3 s/s They are upside-down I was looking through the vams for the 1895-s and I think that this is Vam 3 s/s Will this add anything onto the coins value?