Wow, some of you guys are tough. I think the coin was graded accurately. Looks like the piece has blazing luster beneath that toning. I will buy any coins you grade 63 at 64 money sight unseen....lol.
from the ANA Grading Standards: i perceive contact wear on Washington's receding hair line - there are nicks galore on the obverse and reverse. look at the area around the eye, i can see those marks clearly in the small picture with my 1280x1024 resolution screen. here's a PCGS MS-64 that looks about par with this coin less the toning http://coins.ha.com/common/view_item.php?Sale_No=68032&Lot_No=62161#Photo thus the reasoning for my grade. -steve