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Message:: [QUOTE="dimeguy, post: 8182248, member: 19855"]Yes and yes. I know I may be ostracized by typing this, but I do feel as if we are over grading. I do believe in the series I have collected, I can tell a difference between lower grades, XF 40 and XF 45  in your example, among others. I do not believe you can definitively tell a difference between MS 65 and MS 65+ and MS 66. I think the pluses are outlandish, especially given the subjectivity of the grade. Personally, if I can come within 1 MS grade of the grade on the slab when blindly looking at the coin, I feel that is almost as good as anyone else can do who are in the general community of numismatics. Yes, I know top tier graders, and even dealers, see coins all day long, have much more extensive practice than I, but ultimately it is going to sit in my collection and I need to be the one satisfied with how it grades, not the representing number on the slab. And yes, I do believe people pay ridiculous money for those pluses and every fine mark between. Just part of the market I suppose.[/QUOTE]