Finally sent an order to PCGS after using only NGC for a couple months. Only sent 2 coins. Here they are. NGC called the Franklin Artificially Toned. I found it in an old PCI holder, where it obtained the toning. The Morgan was in an OGH MS64PL - no variety on the holder. I lost the PL, but it's still worth more than the $151 I paid for it.
I think NGC is trying to muscle up to a higher level in the TPG market. Trying crossovers from PCGS isn't working; NGC is just returning them "as is". Plus soon NGC won't accept ANY other TPG into their Register Sets. The hobby is becoming less fun.
I wonder what those old PCI holders have to cause that toning. I guess an argument could be made for both AT and NT.