This poll and http://www.cointalk.com/threads/guess-the-grade-586.238546/ will be closing tonight. Time for a break for the holidays (plural).
Very nice strike and not booming luster, but pretty good. There are a couple small nicks noticeable. The horizontal line on the obverse are die scratches and the mark coming out of the O in ONE is a die crack. All of that adds up to a 65 in my book, but then there are those spots most noticeably the ones after ONE and on the right wheat. PCGS wound up giving it a 64. Looks right to me.
Ouch, harsh grade...it's the luster and the spots in the right obv field IMO. There's barely a nick on that coin!