You guys guessed it. NGC gave it a 64+ Having said that, it looks like a solid 65 to me. I'm not sure why it didn't make the full grade; I've seen much worse looking Morgans in 65 slabs.
It looked better than my 65 and to be honest I am always 1 grade to high on my thoughts when I send my stuff off but I am a newbie on actual grading potential.