Sam, it means your odds against it being silver go up. I suppose you don't have a digital scale to get a precise weight on it. Try that Kleenex test.
Bare in mind...this is not a guaranteed test. If you see copper...then you know for 100% certainty that it's clad. If you don't see copper...it still very well may be clad. In this case, the color of the coin certainly looks clad to me. If you see copper on the rim, you know it's clad. If not, weigh it. But like I said, looking at the color alone in the photo...it's clad.
Does that mean you see copper (to me a "regular" quarter is just like the coins minted for the last 50 years)? If you see copper...it is not silver. If you don't...it's still probably not silver.
I tried the napkin thing I can't tell..idk.. It's just there is something different about this quarter that is keeping wonder...
Weight will tell you for certain...but what does the rim look like? You said it looks like a "regular" quarter...does that mean you see copper or not?
The color of that coin certainly looks clad to me. Look on the rim...do you see any copper color like this:
Yes...there is clearly copper visible on the rim. That proves with 100% certainty that this coin is not silver. Silver coins are a 90% silver/10% copper alloy...it's all 1 metal. The clad coinage is a not a pure alloy like this. It has a pure copper core which is sandwiched between two layers of 75% copper/25% nickel alloy. This is why you frequently see this layering with copper visible on the rim. You don't always see it, but you frequently do. When you see this copper layer on the rim...you know it's not silver. So, this is just a regular quarter.