A beautiful coin for the set and I really liked the reverse. I don't know why, but I always preferred being able to see "Pass and Stow," and, "Philad" on the bell for a nice strike compared to bell lines and yours shows it nicely. A agree with general opinion, undergraded.
Actually, no...to me they all appear quite clear, if just the bottoms are needed to satisfy the PCGS standard. Indeed on the grade, have seen lesser graded better...it's such a crap-shoot with any of the TPGs from day-to-day and coin-to-coin. Will stop there less I open a can of worms. A very nice Franklin to be sure...at least 65 to me.