As I have been working on my Roosevelt dime album, I have had to sell 9 coins (too much hassle doing a return). I also incur a loss when I do so. There are things on a coin that cannot be seen due to the poor photos many sellers have. These are not something that you need a microscope to see, but stuff you can see a foot away. I have bought several coins that looked blast white in the photo, only to have toning, coins that had small nicks in them, yellow splotches etc. For this reason I think any more coins I collect are going to be circulated examples, instead of BU. There is just too much hiding in a photo on a BU coin. Either that or it's going to be slabbed, where sellers usually have much better photos.