Or is it that as a whole, some series were under graded because the industry couldn't keep up with the demand.
I will guess it's undergraded at 65, but I think it's every bit a 66. I don't see FS from the picture, but they could be there, too. Final answer: 65, no FS.
I am a Jefferson Nickel aficionado. As for the assigned grade, only you can tell us that but I stand by my statement that this coin (based on the photos provided) is better than most NGC MS67's that I have seen.
And this is why I always look at the old small ANACS holders........ there's gold in them there things!