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<p>[QUOTE=&quot;cladking, post: 2654087, member: 68&quot;]The percentage of coins that are held out of circulation for over three years is very tiny.&nbsp; The percentage over ten years is far smaller. </p><p><br /></p><p>You can tell this just by plotting the average grade for any date of modern quarter.&nbsp; You&#039;ll see a bell curve with a narrow spread.&nbsp; If coins were being held back then there would be a wide spread.[/QUOTE]</p><p><br /></p>

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