HA has some of the sharpest eyes in the business and look at coins from the upgrade perspective when possible. And if HA is the seller, not a consignor likely the coins are at the low end of the grade. Try running a cert. label through the NGC or PCGS system sometime and then run invoice numbers backward or forward and you may find that it was a Heritage submission with 50 coins, etc.. Certification numbers are sequential on invoices at both companies. They save the best coins for their high roller customers on their call lists. Also no returns on most of their auctions and I know dealers who have not done business with them for years because they wouldn't take a reasonable return when the dealer was misled by a listing they could not see in person. An advantage with them is if you have a working relationship with them they will make outright reasonable buy offers for rare items they need.
Doug: I believe that he means his budgeted amount to bid, say he can afford $100, and there is a 17% BP, then budget $100, less the BP of 17% so, bid up to $83 (actually a bit higher because this was the total is $97.11) He is just trying not to blow his budget.. @HappyHighway
100 / 1.17 = 85.47 85.47 * 1.17 = 99.9999 or $100 Technically you should subtract the shipping/handling FIRST. Those who fail to learn math are doomed to repeat it.