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Message:: [QUOTE="jaceravone, post: 1521533, member: 9474"]Here is my take on things when anyone says their coins are MS65's or higher....take this from someone who has sent in their share of "high" grade Franklins to NGC.  All the coins that I thought would grade 65 or higher, mostly all came back 64 with the exception three.  Less so much with the FBL designation, but I had a few come back that I thought were FBL and were not and I had some that I thought were not FBL, but came back with the FBL designation.  Im not saying that I am the best grader around, but I am definitely not the worse either and the Franklin half is one of my focus collection areas.  So if you are thinking MS65 or higher, they are probably around MS64 and may or may not be FBL.  THe 48's are going to be one of the higher priced Franklins.  Make sure you look on the reverse for the DDR on the 48 and 48D.  Many dealers don't look for these varieties and you could end up picking up a nice DDR Franklin for regular UNC prices.  This is how I bought mine.  Also, unless you plan on sending these in to get slabbed, most people can't tell the difference between a nice MS64 set and MS66.  Something to think about.[/QUOTE]