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Message:: [QUOTE="imrich, post: 1268402, member: 22331"]A Matter Of Opinion!! The long and short answer for what constitutes a "problem coin" is simply stated: "an opinion". There are many "problem coins" in TPG holders, and I've spent appreciable time finding the "diamonds in the rough" that one TPG has "opinioned" as having a problem, while another will certify at a relatively high grade. There seemingly are few "standards" for certification/grade agreement between TPG, and "conservation" (e.g. cleaning, etc.) is performed/accepted by the various TPG or "affiliates". Often a coin certified to have a problem by a particular TPG who has more stringent standards is quite acceptable for grading by another. The "top tier" TPG can generally be trusted to provide a certification of authentic, so any coin purchased in their cases can generally be accepted as not being counterfeit. Other grading parameters may be questionable at any given time, will often vary significantly between TPG, and can easily result in a "cull" becoming a Gem. You will probably hear the stellar advice "buy the coin, not the label". Heed this warning, and you will likely be rewarded. Becoming educated about any coin of interest is probably a better defense than reading labels. :thumb:[/QUOTE]