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<p>[QUOTE=&quot;GDJMSP, post: 1796192, member: 112&quot;]Yes, the high points of a toned AU or XF are usually lighter in color than the rest of the coin. But that is not because when the toning is worn off it reveals the luster underneath the toning. There can be no luster on the points with wear. Even light wear destroys the luster. The only reason the high points are lighter in color is because the toning is worn away revealing the lighter colored metal under it.</p><p>&nbsp;</p><p><br /></p><p>&nbsp;</p><p>&nbsp;</p><p>They not only could have some luster left, they <u>should</u> have some luster left. If they do not, then there is a good chance the coin is not really XF. Both the ANA and PCGS grading standards use this criteria. The luster requirement really splits between XF45 and XF40 - 45 requires it, 40 does not. There are exceptions however for with some heavily toned coins luster may no longer be visible because of the toning and the difference is decided by remaining detail.</p><p>&nbsp;</p><p>It is on VF coins where things change regarding luster. Most VF coins will at least have some luster present in the protected areas like around the legends or inside the loops of letters and numbers, or inside the protected areas of the devices. And sometimes there will even be a little bit left on the fields. VF35 is after all just 1 step away from XF40. But as you go lower in the VF grades luster begins to fade away completely.</p><p>&nbsp;</p><p>That said, it is not unheard of to find traces of luster still present on some lower graded coins, but it is not really common either.[/QUOTE]</p><p><br /></p>

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