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Message:: [QUOTE="Shortgapbob, post: 376593, member: 6088"]The coin looks absolutely fine to me as an MS-66. One thing people need to learn is that different types of coins have different looks when they tone. That has the right look of toning for an Hawaiian Quarter. The coin appears to be mark free, with absolutely original toning and luster evident beneath the toning. I think its a great coin compared to much of the dipped out material out there. I think many people are way too hard on NGC as well. I will feel confident in saying that NGC has a better group of graders working for them now than PCGS does. NGC is grading very tightly at present, but very consistently. PCGS is blatantly undgergrading coins, as well as being all over the place. Anyone can put MS-65 coins in MS-63 holders all day long and be considered "conservative." But that doesn't make it accurate. At present, I would trust NGC much more with authentication than PCGS, especially for rare and esoteric pieces.[/QUOTE]