It has the luster, so I am torn. Either 67 and forget a few dings, or 64 and ignore the luster. Ill go with 65...
The "spots" on Abe's collar are actually shine rather than dark spots. Great strike and great luster. With only a nick on Abe's cheek, the obverse might will have made 67. The reverse has a couple more nicks, some light spotting (looks to be old) and the AM is as weak as it looks. The coin has got to be a 66 with that reverse and that is what NGC said.
ldhair maintains his lead. In fact the only change in standing this round is that Shoewrecky and jcakcoin switched positions Top 10. Columns are rank, name, average, and number of guesses. ldhair 0.320 27 ddoomm1 0.385 28 BadThad 0.415 43 Leadfoot 0.465 45 Shoewrecky 0.524 44 jcakcoin 0.543 48 mark_h 0.565 48 rzage 0.588 36 Cazkaboom 0.596 49 swhuck 0.643 44