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<p>[QUOTE=&quot;GDJMSP, post: 432068, member: 112&quot;]There&#039;s a bit more to it than that. The &#039;21-S (coin in your link) is known to be weakly struck. The &#039;38-D is not. There&#039;s a whole list of these coins that are known to be weakly struck and allowances are made for that when grading them.</p><p><br /></p><p>That said, there is also a great difference in the standards used by PCGS and those used by the ANA for grading these coins. The standards used by PCGS are much more lenient.</p><p><br /></p><p>ANA XF40</p><p>obv- Wear shows on head, breast, arms, and legs. Nearly all gown lines are visible. Sandal details are complete. Breast and knee are nearly flat. Surface: Traces of mint luster may still show.</p><p><br /></p><p>rev - High points of eagle are lightly worn. Half the breast and leg feathers are visible. Central parts of feathers below neck are well worn.</p><p>Surface: Traces of mint luster may still show.</p><p><br /></p><p>PCGS - XF40/45 coins have flatness in the head, breast, left hand, and skirt lines of the left leg, with blending of the breast, hand and skirt lines. The breast, upper wing, and leg feathers will be worn mostly flat, and some wear is evident on the central wing feathers.</p><p><br /></p><p>But even judging by the PCGS standards, the coin you have pictured here is over-graded. I would say that they have bumped the grade because of the&nbsp; value aspect.[/QUOTE]</p><p><br /></p>

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