Rich - apparently you seem to think that a cloth will not mark a coin. If this so, how is it then that a coin becomes polished by a cloth ? That is after all how most coins become polished - somebody rubs them with a cloth. If you disagree, try this. Take any cheap Proof coin, rub it against your shirt, or with any soft cloth. Then look at the coin. I guarantee you will see hairlines on the coin. And my point about moisture is that cloth tends to soak up moisture from the air. And if a coin is wrapped in cloth that moisture is trapped in close proximity to the coin thus enabling and even encouraging toning and/or verdigris to form. Modern plastic coin holders do not do this since the pastic cannot absorb moisture. True, if you immerse a plastic holder in water you can bet that water will get inside and once it does it will be virtually trapped there until it is removed. But say you spill some water over coins wrapped in cloth. The coins are guaranteed to get wet. But spill some water over coins in slabs or an Air-Tite holder - no water will touch the coin. You dry off the outside of the holder and all is as it was before. Regarding your comments/questions about the plastic used in coin holders, I have no idea what it's composed of. Or even if plastic is the correct term. When I call something plastic I use it as a generic term. I only know, for certain, that it is made of inert materials. And inert materials, in and of themselves, can in no way harm any coin.