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<p>[QUOTE=&quot;RickieB, post: 566237, member: 2486&quot;]Several other factors come into play here as well. A note that is graded VF as you mentioned without obvious folds may have embossing problems, handling marks from tellers, some foxing and slight ink smears, centering, margin and lack of margin differences. </p><p>While grading is a matter of opinion, and I must say that I buy some high graded notes, is just that. I have had some notes come back with lowerthan expected grades and I have cutt them out and resubmitted to another&nbsp; TPG for a second opinion. </p><p>If indeed it comes back the same as the first attempt I will follow up on the note and find out exactly why. Sometimes the smallest thing may be a big distraction or reduction to a notes grade....so goes the world of TPG and opinions!!</p><p>In the example you posted the top and bottom margins are shy on each end (top and bottom) as well as&nbsp; some light foxing on the top reverse. It appears to have a slight amount of &quot;wave&quot; in the top margin as well that is not a natural paper wave...look close at the&nbsp; note and remember a scan will hide most small problems!!</p><p><br /></p><p><br /></p><p>RickieB[/QUOTE]</p><p><br /></p>

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