$27 for $20? What am I not seeing?

https://www.ebay.com/itm/Vintage-Se...=item2ce5809073:g:Kn0AAOSwUYhcaTiS:rk:30:pf:0

I came across this eBay auction just now. Series 1985 $20 note that is not a star, not a interesting serial number, and not close to good condition. Why is it worth $27+ $4 shipping?

 

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Inflation?

 

"Small Portrait" being sold by "small-minded" seller?

Chris