I respectfully disagree with the grade and would consider returning. This coin in my mind is a 65 but I guess disagrees with mostly ALL respondents. BUY the coin not the holder.
I'm a little late to the party, but I thought Dima's coin is ms-65 and didn't give it a second thought. I was thinking 66 for Dima's coin based on the obverse. The large hit in the focal point on the reverse brings it down to 65. The coin you posted may have superior surface preservation, but the strike of Dima's coin is much better by far.
When I got this 1904, I picked her up a buddy - https://www.cointalk.com/threads/gtg-another-cool-liberty-nickel-1905.365066/