I'm still trying to learn the basics of grading. Opinions on this? (I was guessing that the details are around VF-20? Thoughts?) (That shiny spot at around 4 o'clock on the reverse is mostly a glare from the scanner I used)
Your picture doesn't show contrast well, but I would guess it is better than VF20. The 28-S it not exactly noted for being well struck and, if it were VF20, there would be minimal separation of the jaw and cheek. I am going to guess (and it is pretty much a guess) the you have a high VF to XF40 coin.
In real life, the color looks fine (chocolate) -- but my cheap scanner lightened up considerably (and, in fact, I had to darken it just to get the above!)