Link to 1923-D $20 MS64 NGC @ Heritage Are those scratches on the *coin* or the holder? obverse: through the letters of "LIBERTY" reverse: through the "earth" on the bottom of the coin?
Pictures aren't coming up well on the Heritage site but the line through LIBERTY looks like it could be either a die crack or a die scratch. I don't think it is a scratch on the coin. I can't see the mar on the reverse well enought to tell what it is.
Were it not for the contact marks on the obverse, it would have been a gem grade coin. It is really pretty.
Its hard finding a $20 gold coin without any contact marks. I've seen 66's with more than that one shows.