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Message:: [QUOTE="johnmilton, post: 3554700, member: 101855"]I am not sure that I would grade that 1897 Liberty Nickel as an MS-67. I see small "carbon spots" which are one of factors that hold these coins back. Sometimes colorful toning seems to add a point to the grade. I suppose that reflects the market, but from the technical viewpoint, it should not be a factor. As for how you submit a coin, rightly and wrongly, I have always thought that submitting a coin to PCGS in somebody else's holder starts you off with two strikes. I think that this is especially true if you send it to them in an NGC holder. The two companies don't like each other, and you can detect that if you have even been to one of their FUN luncheons. It takes guts to crack out a coin, but I found that's what you had to do if you were looking for an upgrade. I've never done a crossover so I can't speak to that, but I think the concept is similar.[/QUOTE]