I rather like the color! I'm seeing a few little contact marks (could be on the plastic), so I'm thinking MS64. I could see it going 64+ and/or 64*. Pretty nonetheless.
I'm leaning 65, to my eye a lot of these are not super attractive. The obverse colors do add some pizzazz to this one.
To me, I thought it slightly under graded. I agree with the 66 crowd on this one, but it doesn’t really matter. The toning looks much nicer in hand—the crusty old toning, plus nice rainbows.
It's hard to grade these crusty old toners, even for the so-called "pros." I agree with your lament, here, entirely. Any rate, nice state of preservation, pretty coin.
As I've said in the past, most commemoratives that have never been in circulation, which is most of them, are flat graded MS65. Why? Who knows but the major TPG seem to all give them the same grade unless there is something extraordinary about them.
