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<p>[QUOTE=&quot;cladking, post: 3271154, member: 68&quot;]I tend to agree with you.&nbsp; I have nothing against someone paying up for the finest or one of the finest but I would tend to prefer a much less expensive coin just a couple grades down.&nbsp; In many cases these are much more common and very easily found. </p><p><br /></p><p>What many people don&#039;t realize is that many moderns were very horribly made.&nbsp; The mints had no &quot;customers&quot; to please other than businesses and so long as they were recognizable and worked in machines no one cared about quality.&nbsp; Many moderns are tough above chBU and in some cases even what&#039;s called &quot;chBU&quot; is a poorly struck coin from worn out dies.&nbsp; Truly attractive specimens of circulation issues can be very elusive for many dates.&nbsp; Gem and near-gem sets of most US moderns are very challenging and can be assembled very cheaply because the demand is poor. </p><p><br /></p><p>A coin to be &quot;near-gem&quot; merely needs to be well struck from good dies and not too chewed up or have other distracting characteristics like misaligned dies or off-center.&nbsp; Most MS-64&#039;s will be near-gem for most dates.[/QUOTE]</p><p><br /></p>

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